Cheaper 2009 Bentley Continental GTC Car Insurance Rates

Want lower auto insurance rates for your Bentley Continental GTC? Do you think you bought high-priced auto insurance? Say no more because there are lots of residents who feel the same. Many insurance companies vie for your business, and because of this it can be hard to compare car insurance companies to find the lowest rate

Consumers should take time to compare premium rates before your policy renews due to the fact that insurance prices fluctuate regularly. Even if you think you had the best rates for Continental GTC insurance a year ago you will most likely find a better rate quote today. There is a lot of bad advice regarding auto insurance on the internet, but I’m going to show you the easiest ways to slash your auto insurance rates.

Ways to get insurance rate quotes

Getting a cheaper price on 2009 Bentley Continental GTC insurance is surprisingly easy. All that’s required is to spend a few minutes comparing free insurance coverage quotes to see which company has cheaper insurance coverage quotes. This can be accomplished by following the guidelines below.

  1. The first (and easiest) way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This form prevents you from having to do separate quote forms for each price estimate. One form gets you coverage quotes from multiple companies.
  2. A less efficient way to find lower rates requires a visit to each company website to request a price quote. For instance, we’ll assume you want to get rates from Allstate, Safeco and GEICO. In order to get each rate, you would have to spend time on each company’s site to enter the same coverage data repeatedly, which explains why we recommend starting with the first method.

    For a list of links to insurance companies in your area, click here.

  3. The least efficient way of comparing rate quotes is driving around to each insurance agency near you. Shopping for insurance online has reduced the need for local agents unless you have a need for the professional advice that only a licensed agent can provide. Although, it is possible price shop online but buy the policy through an agent.

Take whichever approach you prefer, but do your best to enter identical coverage limits and deductibles on every price quote you get. If the quotes have unequal deductibles or liability limits you will not be able to get a fair rate comparison.

What determines Bentley Continental GTC insurance costs?

An important part of buying insurance is that you know some of the factors that play a part in calculating the price you pay for car insurance. If you understand what determines base rates, this allows you to make good choices that could result in cheaper rates.

The items below are a partial list of the pieces companies use to determine your rates.

  • Your location is a factor – Having an address in less populated areas may provide you with better prices when buying car insurance. City drivers have more auto accidents and more severe claims. Fewer drivers on the road translates into fewer accident claims in addition to lower liability claims
  • Gender and insurance premiums – Statistics have proven that females tend to be a little less risky than males. It does not mean men are worse drivers. Both genders are in auto accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like reckless driving and DUI. Young males are most likely to cause an accident so it costs more to insure them.
  • See if your company offers a multi-policy discount – Most major insurance companies afford better rates to customers who carry more than one policy such as combining an auto and homeowners policy. This can amount to ten or even fifteen percent. If you currently are using one company, it’s in your best interest to compare other company rates to guarantee you are still saving the most. You may still be able to save even more than the discount even if you insure with multiple companies
  • Keep car insurance claims to a minimum – Insurance companies give better rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Your car insurance is meant to be used in the event of more catestrophic claims.
  • Discounts for alarms and GPS tracking – Choosing a vehicle with advanced anti-theft systems can help lower your premiums. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.
  • Get better costs if you’re married – Getting married can actually save you money on your car insurance bill. Marriage means you’re more mature and responsible and it’s proven that married drivers tend to have fewer serious accidents.

Reduce your auto insurance rates with discounts

The price of auto insurance can be rather high, but you may find discounts that many consumers don’t even know exist. A few discounts will be applied when you complete an application, but a few need to be manually applied before you get the savings.

  • E-sign Discounts – Some auto insurance companies may give you up to $50 for buying your policy on the web.
  • Homeowners Discount – Owning a house can help you save on auto insurance because owning a home requires a higher level of personal finance.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can receive discounts of 20 to 30 percent.
  • Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company you could get a discount of 10% to 20% off each policy.
  • Organization Discounts – Having an affiliation with specific professional or occupational memberships or organizations could trigger savings on your policy.
  • Discount for Low Mileage – Low annual miles could earn better premium rates on cars that stay parked.

As a sidenote, some credits don’t apply the the whole policy. Some only reduce specific coverage prices like comprehensive or collision. Just because you may think adding up those discounts means a free policy, that’s just not realistic.

A list of companies and some of their more popular discounts can be found below.

  • State Farm may include discounts for passive restraint, good driver, multiple policy, driver’s education, Drive Safe & Save, multiple autos, and defensive driving training.
  • GEICO offers premium reductions for federal employee, anti-theft, multi-policy, seat belt use, and good student.
  • Progressive offers discounts for multi-policy, good student, online signing, online quote discount, multi-vehicle, continuous coverage, and homeowner.
  • 21st Century discounts include teen driver, homeowners, early bird, automatic seat belts, 55 and older, driver training, and theft prevention.
  • American Family includes discounts for good student, TimeAway discount, multi-vehicle, air bags, and good driver.
  • The Hartford may have discounts that include driver training, good student, anti-theft, bundle, vehicle fuel type, and air bag.
  • AAA has discounts for pay-in-full, good student, good driver, anti-theft, and education and occupation.

If you need lower rates, check with every company which discounts you may be entitled to. All car insurance discounts may not apply in your area. To find auto insurance companies who offer auto insurance discounts, click here.

You are unique and your insurance should be too

When it comes to buying coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions may help you determine whether or not you might need professional guidance.

  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are my friends covered when driving my car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When should I remove comp and collision on my 2009 Bentley Continental GTC?
  • When should I buy a commercial auto policy?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Detailed coverages of your car insurance policy

Knowing the specifics of your car insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most car insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a bird, damage from getting keyed, hitting a deer and vandalism. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for dental work, ambulance fees, prosthetic devices and chiropractic care. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Coverage for collisions

This will pay to fix damage to your Continental GTC caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, colliding with a tree, sustaining damage from a pot hole, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your 2009 Bentley Continental GTC.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages

This coverage will cover damage or injury you incur to other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like emergency aid, structural damage, court costs and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

In Summary

Budget-conscious 2009 Bentley Continental GTC insurance can be bought both online as well as from independent agents, so you need to quote insurance coverage with both so you have a total pricing picture. A few companies may not offer the ability to get a quote online and these smaller providers only sell through independent insurance agents.

We’ve covered a lot of information how to save on 2009 Bentley Continental GTC insurance. The key concept to understand is the more you quote insurance coverage, the better your chances of lowering your prices. You may even find the best price on auto insurance is with a small mutual company. Some small companies may have significantly lower prices on certain market segments as compared to the big name companies such as Progressive or GEICO.

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