View 2008 Bentley Continental GTC Insurance Quotes

Trying to find lower insurance rates for your Bentley Continental GTC? Have you fallen victim to high-priced insurance? Don’t feel bad because many drivers have buyer’s remorse. Insurance companies such as Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with ads and it is challenging if not impossible to ignore the promise of big savings and find the best price available.

If you are insured now or are looking for a new policy, you will benefit by learning to cut your premiums and still get good coverage. Finding affordable coverage is quite easy. Vehicle owners just need to know the most effective way to compare rates on the web.

These discounts can lower your car insurance rates

Car insurance is not cheap, but there are discounts available that you may not even know about. Certain discounts will be applied at quote time, but some must be requested specifically before being credited.

  • Military Rewards – Being on active duty in the military may lower your car insurance rates slightly.
  • Responsible Driver Discount – Drivers without accidents can save as much as half off their rates for Continental GTC coverage compared to accident prone drivers.
  • No Accidents – Insureds who avoid accidents and claims get the best car insurance rates when compared with insureds who have frequent claims or accidents.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts as much as 30%.
  • Driver Training Discounts – Successfully completing a class that teaches defensive driving techniques is a good idea and can lower rates and make you a better driver.
  • Low Mileage Discounts – Low annual miles could earn lower car insurancerates due to less chance of an accident.
  • Accident Forgiveness Coverage – Not really a discount, but some insurance companies may permit one accident without raising rates so long as you haven’t had any claims before the accident.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.

Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A list of companies and a summarized list of policyholder discounts are shown below.

  • Farm Bureau may include discounts for safe driver, multi-policy, good student, renewal discount, and driver training.
  • MetLife may have discounts that include claim-free, multi-policy, good driver, good student, defensive driver, accident-free
  • Progressive has savings for online quote discount, multi-vehicle, homeowner, multi-policy, and continuous coverage.
  • AAA policyholders can earn discounts including good student, pay-in-full, multi-policy, anti-theft, and good driver.
  • American Family offers discounts for good student, TimeAway discount, air bags, accident-free, bundled insurance, Steer into Savings, and multi-vehicle.
  • GEICO includes discounts for defensive driver, anti-lock brakes, emergency military deployment, membership and employees, and good student.
  • State Farm may offer discounts for Steer Clear safe driver discount, multiple policy, safe vehicle, good student, defensive driving training, Drive Safe & Save, and student away at school.

When getting a coverage quote, ask each company which discounts you qualify for. Some credits may not be available everywhere.

Different people need different insurance coverage coverages

When buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different and your policy should reflect that. For example, these questions could help you determine if your situation would benefit from professional advice.

  • Exactly who is provided coverage by my policy?
  • How can I get my company to pay me more for my totalled car?
  • Should I have a commercial auto policy?
  • Should I have combined single limit or split liability limits?
  • Does insurance cover tools stolen from my truck?
  • Am I insured when driving a different vehicle?
  • Can I afford low physical damage deductibles?
  • Is my nanny covered when driving my vehicle?
  • Where can I find high-risk insurance?
  • When should I not file a claim?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Save $411 a year? Really?

Drivers can’t escape the ads that claim the lowest car insurance rates by State Farm, Allstate and GEICO. All the companies seem to make the promise of big savings just by moving your coverage to them.

How is it possible that every company can lower your car insurance rates? Here is how they do it.

Insurance companies quote the lowest rates for a prospective insured that earns them a profit. For example, this type of driver might be described as over the age of 50, is a homeowner, and has a short commute. Someone who matches those parameters may get the lowest prices and will most likely save when they switch companies.

People who don’t qualify for the ideal profile may be required to pay higher premium rates and this can result in the customer not purchasing. The ads state “people who switch” but not “all drivers who get quotes” save that much money. This is how companies can truthfully make those claims. Because every company is different, you should compare as many free auto insurance quotes as you can. You cannot predict which insurance company will have the lowest rate quotes.

Car insurance coverage information

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Bentley Continental GTC.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, damage from flooding, theft, hitting a deer and rock chips in glass. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance – Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as medical expenses, loss of income and emergency aid. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Med pay and PIP coverage pay for immediate expenses for prosthetic devices, dental work, funeral costs and nursing services. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Buy online or local, you save

As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where consumers will sacrifice collision coverage only to discover later that it was a big mistake. Your goal should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

In this article, we covered quite a bit of information on how to lower your 2008 Bentley Continental GTC insurance rates. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the biggest savings come from the smaller companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

To learn more, take a look at the resources below: