Cheap 2010 Bentley Continental GTC Insurance Quotes

Want lower auto insurance rates for your Bentley Continental GTC? Do you think you bought an underperforming, overpriced auto insurance policy? Trust us when we tell you many drivers feel the same as you.

Since you have so many auto insurance companies to choose from, it’s nearly impossible to find the lowest cost auto insurance provider.

Do you qualify for discounts?

Car insurance companies don’t list every discount very clearly, so we researched a few of the more well known as well as some of the hidden discounts you could be receiving when you buy insurance online.

  • Anti-lock Brakes – Cars and trucks with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Early Signing – Select larger companies give a discount for switching companies prior to your current policy expiration. You may see this discount when you get insurance quotes online.
  • Government Employees – Active or former government employment could provide a small rate reduction on Continental GTC coverage with certain companies.
  • Clubs and Organizations – Being in certain professional organizations can get you a small discount on your bill.
  • Save over 55 – If you’re over the age of 55, you are able to get a small discount on rates on Continental GTC coverage.
  • Auto/Life Discount – Larger companies have better prices if you take out a life policy as well.
  • Driver Safety – Passing a course that instructs on driving safety is a good idea and can lower rates if you qualify.
  • Buy New and Save – Insuring a new car can be considerably cheaper due to better safety requirements for new vehicles.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can avoid the installment charge.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some insurance companies will let one accident slide before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.

Just know that many deductions do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will lower the amount you pay for coverage.

To locate insurers with discount rates, click here to view.

Why you might pay lower rates

Many different elements are considered when you quote your car insurance policy. Some are obvious such as traffic violations, but some are more obscure like where you live or your financial responsibility.

Shown below are a partial list of the pieces used by your company to calculate your rates.

  • Car plus home equals more savings – Many companies afford better rates to clients who have multiple policies with them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, you still need to shop around to ensure the best deal. Drivers may still save money by buying insurance from more than one company.
  • Get hitched and pay less – Having a significant other can actually save you money when buying insurance coverage. Marriage translates into being more financially stable it has been statistically shown that married drivers get in fewer accidents.
  • Too many claims and you’ll pay more – If you frequently file small claims, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance companies provide most affordable rates to drivers who do not file claims often. Your car insurance is intended for larger claims.
  • Liability insurance is important – Liability coverage will protect you in the event that you are responsible for physical damage or personal injury to other. It will provide you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to physical damage coverage, so insureds should have plenty of protection for their assets.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your situation might need professional guidance.

  • Will my rates increase for filing one claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is business property covered if stolen from my car?
  • Is pleasure use cheaper than using my 2010 Bentley Continental GTC to commute?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How do I buy GAP insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my policy pay for OEM or aftermarket parts?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

The coverage is in the details

Having a good grasp of insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like nursing services, hospital visits, surgery and dental work. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Bentley Continental GTC.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, damage from a tornado or hurricane and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on a person or their property. This coverage protects you against claims from 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. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as funeral expenses, emergency aid, pain and suffering and medical services. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Buy online or local, you save

In this article, we presented a lot of tips how to lower your 2010 Bentley Continental GTC insurance rates. The most important thing to understand is the more providers you compare, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with a small mutual company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.

The cheapest 2010 Bentley Continental GTC insurance can be found from both online companies as well as from independent agents, so you need to shop insurance with both to have the best selection. Some auto insurance companies may not provide online rate quotes and many times these regional insurance providers sell through independent agents.

When searching for the cheapest insurance quotes, do not buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest price, but do not skimp to save money.

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