Save on 2016 Bentley Continental GT Insurance Rates

Finding lower-cost auto insurance is somewhat intimidating for vehicle owners new to quoting and comparing and buying auto insurance over the internet. With such a big selection of agents and insurers available, how can anyone be able to compare all the different companies and get the cheapest price possible?

If you are paying for car insurance now, you stand a good chance to be able to save some money using these tips. This information will introduce you to the best way to quote coverages and some money-saving tips. But drivers need to have an understanding of how the larger insurance companies compete online and apply this information to your search.

Do you qualify for discounts?

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that can drop the cost substantially. Certain reductions will be credited when you get a quote, but once in a while a discount must be specially asked for before they will apply.

  • First Accident Forgiveness – Not a discount per se, but a handful of insurance companies allow you one accident before raising your premiums so long as you are claim-free before the accident.
  • Paperwork-free – Some of the larger companies will give a small break for buying your policy digitally online.
  • Defensive Driver Discounts – Participating in a defensive driving course can save you 5% or more if your company offers it.
  • Low Mileage – Low mileage vehicles could be rewarded with lower prices due to less chance of an accident.
  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings of 25 to 30%.
  • Save with a New Car – Buying a new car instead of a used car can be considerably cheaper since new vehicles have better safety ratings.
  • Good Students Pay Less – Being a good student may save you up to 25%. Most companies allow this discount up to age 25.
  • More Vehicles More Savings – Having primary and secondary vehicles on one policy qualifies for this discount.
  • Discounts for Government Workers – Active or retired federal employment may reduce rates when you quote insurance on Continental GT coverage depending on your car insurance provider.
  • Professional Memberships – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for car insurance.

While discounts sound great, it’s important to understand that most credits do not apply the the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

Large car insurance companies and a selection of discounts are detailed below.

  • Farm Bureau offers discounts including safe driver, driver training, renewal discount, multi-vehicle, 55 and retired, and youthful driver.
  • State Farm has discounts for Steer Clear safe driver discount, multiple autos, passive restraint, Drive Safe & Save, and anti-theft.
  • Progressive may include discounts for multi-vehicle, multi-policy, good student, continuous coverage, and online quote discount.
  • Allstate has savings for early signing, resident student, multi-policy, utility vehicle, premier plus, anti-theft, and safe driver.
  • Nationwide policyholders can earn discounts including accident-free, business or organization, easy pay, family plan, good student, and Farm Bureau membership.
  • MetLife may have discounts that include multi-policy, accident-free, good driver, claim-free, and good student.

It’s a good idea to ask every insurance company how many discounts you can get. Some of the discounts discussed earlier may not be offered in every state.

Components of your Bentley Continental GT insurance rates

When buying insurance it’s important to understand some of the elements that aid in calculating the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find big savings.

  • Insurance policy lapses increase insurance rates – Allowing your coverage to lapse is a sure-fire way to increase your renewal premiums. Not only will you pay higher rates, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Bad driving leads to higher rates – Being a careful driver impacts your car insurance rates tremendously. Good drivers pay lower auto insurance prices compared to bad drivers. Having a single speeding ticket can increase rates forty percent or more. Drivers unfortunate enough to have serious citations like DUI, reckless driving or excessive speeding are required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to keep their license.
  • Prices and your address – Choosing to live in less populated areas is a good thing when trying to find low car insurance rates. Less people translates into fewer accident claims as well as less vandalism and auto theft. Drivers in populated areas regularly have more traffic problems and more time behind the wheel. More time behind the wheel means a statistically higher chance of an accident.
  • Minor frequent insurance claims are not good – If you are the type of insured that files lots of claims you can expect either a policy non-renewal or much higher rates. Insurance companies give the lowest premiums to drivers that do not abuse their auto insurance. Auto insurance is intended for more catestrophic claims.
  • Driver age impacts prices – Teenage drivers are known to be more careless behind the wheel so they pay higher insurance rates. Adding a first-time driver to your insurance policy can really hurt. Older drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
  • What’s your car’s NHTSA crash test rating? – Safe vehicles can get you lower premiums. Vehicles built for safety reduce injuries and fewer injuries means your insurance company pays less which can mean better rates for you. If your Bentley is rated at a minimum four stars on Safercar.gov you are probably receiving a discount.

Don’t assume everyone needs the same insurance coverage coverage

When buying coverage, there is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions may help highlight whether you may require specific advice.

  • How can I get my company to pay me more for my totalled car?
  • Is motorclub coverage worth it?
  • Am I covered when pulling a rental trailer?
  • Is a fancy paint job covered?
  • Where can I get insurance after a DUI in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when using my vehicle for business?
  • What is high-risk coverage and where do I buy it?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need replacement cost coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

Advertising and auto insurance

Well-known auto insurance companies like State Farm and Allstate constantly bombard you with television, radio, and online ads. They all seem to say the same thing about savings if you change your coverage. How is it possible that every company can charge less that you’re paying now? It’s all in the words they use.

All companies have specific characteristics for the type of customer they prefer to insure. A good example of a profitable customer might be over the age of 45, is a homeowner, and drives less than 5,000 miles a year. Any customer who meets those qualifications will get a cheap rate quote and most likely will save some money.

Drivers who may not quite match those standards may receive more expensive rates with the end result being the customer buying from someone else. The trick is to say “drivers that switch” but not “everyone who gets a quote” save money. This is how companies can make the claims of big savings.

This emphasizes why you really should do a rate comparison at every renewal. It is impossible to predict which auto insurance company will have the lowest rate quotes.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance – This coverage provides protection from injuries or damage you cause to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like bail bonds, legal defense fees and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverages – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, hitting a bird and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Bentley Continental GT.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Collision – Collision insurance pays for damage to your Continental GT resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses such as ambulance fees, chiropractic care, pain medications and hospital visits. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Final considerations

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. In many instances, someone dropped uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to purchase plenty of coverage at the best possible price and still be able to protect your assets.

Drivers change insurance companies for any number of reasons including denial of a claim, high prices, delays in paying claims and policy cancellation. Regardless of your reason for switching companies, finding a new insurance company can be less work than you think.

The cheapest 2016 Bentley Continental GT insurance is attainable on the web as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not provide online quoting and most of the time these smaller companies provide coverage only through independent insurance agencies.

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