2009 Bentley Continental GT Car Insurance Cost – 8 Discounts for Cheapest Prices

Comparing and finding cheaper prices for Driverscar insurance can seem to be challenging for drivers not familiar with comparing rates online. With so many agents and online companies, it can be a real hassle to find more affordable car insurance rates.

How to get free car insurance quotes online

To get affordable auto insurance quotes, there a variety of ways of comparing rate quotes from local car insurance companies. One of the best ways to compare Bentley Continental GT insurance prices involves getting comparison quotes online. This is quite simple and can be completed using a couple different methods.

  1. If you are pressed for time, the simplest way to find low rates would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating multiple quote forms for every car insurance company. One form submission gets insurance cost estimates instantly. Just one form and you’re done.
  2. A more time consuming way to compare prices requires a trip to the website of each company and fill out their own quote form. For example, let’s assume you need rates from USAA, Farmers and State Farm. You would need to spend time going to each site individually and repeatedly type in your coverage information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just be sure you’re using apples-to-apples coverage limits and deductibles for each comparison quote. If you are comparing different liability limits it will be nearly impossible to determine which rate is truly the best. Quoting even small variations in insurance coverages could mean much higher rates. And when comparing car insurance rates, know that quoting more gives you a better chance of getting a better price. Some regional insurers cannot provide price estimates online, so it’s necessary to compare price estimates from them, too.

Get cheaper rates with these eight insurance discounts

Buying insurance is not cheap, but you may find discounts that can dramatically reduce your bill. Certain discounts will be applied when you complete an application, but a few need to be manually applied in order for you to get them.

  • Paperless Signup – Some of the larger companies provide a small discount simply for signing on their website.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts could see savings of up to 25% or more.
  • Theft Prevention System – Cars and trucks that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Cars with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
  • Onboard Data Collection – Policyholders that allow their insurance company to track driving manner by using a telematics device such as State Farm’s In-Drive might see lower rates as long as they are good drivers.
  • Defensive Driver – Taking time to complete a safe driver class may get you a small discount if your company offers it.
  • Good Student – Getting good grades may save you up to 25%. The good student discount can last up until you turn 25.
  • Renewal Discounts – Some larger companies give discounts for buying a new policy before your current coverage expires. It could save around 10% when you buy auto insurance online.

Discounts save money, but please remember that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you could get a free insurance policy, insurance companies aren’t that generous.

Popular insurance companies and some of the discounts are included below.

  • American Family has savings for air bags, defensive driver, mySafetyValet, Steer into Savings, TimeAway discount, and accident-free.
  • Farm Bureau offers discounts including youthful driver, renewal discount, safe driver, driver training, and multi-policy.
  • State Farm has discounts for Drive Safe & Save, student away at school, accident-free, passive restraint, and good driver.
  • Travelers discounts include IntelliDrive, hybrid/electric vehicle, home ownership, new car, driver training, and student away at school.
  • The Hartford includes discounts for good student, air bag, vehicle fuel type, driver training, defensive driver, and anti-theft.
  • GEICO may have discounts that include defensive driver, membership and employees, anti-lock brakes, seat belt use, and multi-policy.
  • Progressive may offer discounts for multi-vehicle, online quote discount, homeowner, online signing, continuous coverage, multi-policy, and good student.

When quoting, ask every prospective company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered in every state.

Auto insurance can get complicated

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions can aid in determining whether you could use an agent’s help.

  • How many claims can I have before being cancelled?
  • Do I benefit by insuring my home with the same company?
  • Can I rent a car in Mexico?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need special endorsements for business use of my vehicle?
  • Does liability extend to a camper or trailer?
  • Why am I required to buy high-risk coverage?
  • What is PIP insurance?
  • Will my insurance pay for OEM parts?

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. If you want to speak to an agent in your area, complete this form.

Well known brands might not be cheapest

Auto insurance companies such as State Farm, Allstate and GEICO continually stream ads in print and on television. All the companies advertise the message that you’ll save big just by moving your coverage to them. That’s great but how can every company claim to save you money? It’s all in the wording.

Insurance companies offer their best rates for the type of customer that will be a good risk. A good example of a profitable risk profile should be a mature driver, carries high limits, and drives less than 7,500 miles a year. Any person who fits those characteristics will probably get cheap rates and as a result will probably save a lot of money.

People who do not fit those criteria may receive higher rates with the end result being business going elsewhere. If you pay attention, the ads say “people who switch” not “everyone who quotes” save money. This is how companies can truthfully make those statements.

That is why it’s extremely important to do a price quote comparison at every renewal. It’s just not possible to know which auto insurance company will give you the biggest savings.

Auto insurance coverages

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability – Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as legal defense fees, medical services, structural damage and bail bonds. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Collision coverages – This pays for damage to your Continental GT from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, sideswiping another vehicle, scraping a guard rail, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical expense coverage – Med pay and PIP coverage pay for expenses such as EMT expenses, doctor visits, nursing services and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Bentley Continental GT.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive protection – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, hail damage and hitting a deer. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Money doesn’t grow on trees

As you restructure your insurance plan, never reduce coverage to reduce premium. In too many instances, an accident victim reduced full coverage only to regret they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

You just learned quite a bit of information on how to compare 2009 Bentley Continental GT insurance car insurance rates online. The most important thing to understand is the more quotes you get, the better likelihood of getting cheaper auto insurance. Consumers could even find that the lowest priced auto insurance comes from a small mutual company.

Some companies may not have rates over the internet and most of the time these regional insurance providers work with independent agents. Cheaper auto insurance is definitely available from both online companies and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money.

Much more information about auto insurance can be found below: