2008 Bentley Continental GT Insurance Quotes

Drivers have a choice when trying to find low-cost Bentley Continental GT insurance. You can either waste hours contacting agents getting price quotes or use the internet to make rate comparisons.

There is a right way and a wrong way to shop for auto insurance and you need to know the quickest way to quote coverages for a new or used Bentley and find the cheapest rates.

It’s smart to price shop coverage on a regular basis because auto insurance prices go up and down regularly. If you had the lowest rates on Continental GT insurance last year a different company probably has better premium rates today. Block out anything you think you know about auto insurance because you’re about to find out the tricks you need to know to buy cheaper auto insurance.

These discounts can cut car insurance rates

Some companies do not list all possible discounts in a way that’s easy to find, so we researched a few of the more well known and the more hidden credits that may apply to you.

  • Good Student – A discount for being a good student can save 20 to 25%. Most companies allow this discount until age 25.
  • Own a Home and Save – Just owning your own home can help you save on car insurance since owning and maintaining a home is proof of financial responsibility.
  • Data Collection Discounts – People who choose to allow their car insurance company to scrutinize where and when they drive remotely such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they are good drivers.
  • Responsible Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% on Continental GT insurance as compared to drivers with claims.
  • E-sign Discounts – Certain companies will give a small break just for signing your application on the web.
  • Safety Course Discount – Participating in a course that instructs on driving safety could cut 5% off your bill and make you a better driver.
  • Drivers Education – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Accident Free – Drivers with accident-free driving histories have much lower rates compared to bad drivers.
  • Payment Method – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. So even though you would think having all the discounts means you get insurance for free, companies don’t profit that way.

Popular car insurance companies and their possible discounts are:

  • 21st Century has savings for 55 and older, good student, anti-lock brakes, teen driver, and early bird.
  • State Farm offers discounts including student away at school, Steer Clear safe driver discount, good student, accident-free, and anti-theft.
  • AAA has discounts for AAA membership discount, multi-car, good student, education and occupation, and multi-policy.
  • Liberty Mutual may have discounts that include preferred payment discount, newly married, new graduate, exclusive group savings, new move discount, and multi-policy.
  • Progressive offers premium reductions for online signing, good student, multi-vehicle, homeowner, continuous coverage, multi-policy, and online quote discount.

Before you buy a policy, ask each company what discounts are available to you. A few discounts might not be available to policyholders in your area. If you would like to choose from a list of companies with the best discounts, click here to view.

When do I need an agent’s advice?

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that can help discover whether you could use an agent’s help.

  • What is the rate difference between pleasure use and commuting?
  • Am I missing any policy discounts?
  • Should I bundle my homeowners policy with my auto?
  • What is an SR-22 filing?
  • Why do I only qualify for high-risk insurance?
  • When should I drop full coverage on my 2008 Bentley Continental GT?
  • Is a blown tire covered by insurance?
  • Does insurance cover tools stolen from my truck?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Don’t be fooled by advertising claims

Consumers can’t get away from all the ads for cheaper insurance from companies such as GEICO, State Farm and Progressive. All the ads make an identical promise of big savings if you change your policy.

But how can every company give you a better price? It’s all in the words they use.

Many companies provide the lowest rates for the type of insured that earns them the most money. For example, a profitable customer might be between 30 and 50, has other policies, and has excellent credit. Any customer who matches that profile gets the lowest premium rates and is almost guaranteed to save a lot of money.

Consumers who do not fit those criteria will have to pay more expensive rates and the customer buying from someone else. If you listen closely, the ads state “customers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s why insurance companies can confidently advertise the way they do.

Each company has different criteria, so drivers must compare rate quotes every year. Because you cannot predict with any certainty which company will provide the lowest car insurance rates.

Coverage specifics

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for collisions

Collision coverage pays for damage to your Continental GT resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a building, damaging your car on a curb, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Liability car insurance

Liability insurance can cover damage that occurs to other’s property or people. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like court costs, funeral expenses and medical expenses. How much coverage you buy is up to you, but you should buy as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for things like pain medications, prosthetic devices, nursing services, chiropractic care and funeral costs. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, hitting a deer and fire damage. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Quote often and quote early

We covered a lot of techniques to get a better price on 2008 Bentley Continental GT insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your premium rates. Consumers may even find the lowest car insurance rates come from a lesser-known regional company.

When getting auto insurance quotes online, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where someone dropped uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Budget-friendly insurance coverage can be sourced from both online companies and from local insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. There are still a few companies who do not offer internet price quotes and these regional carriers only sell through independent agents.

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