Save on 2011 Bentley Continental GTC Insurance Cost

Searching for the cheapest insurance rates for your Bentley Continental GTC? Tired of wondering where the money will come from to pay your insurance bill each month? You are no different than many other drivers.

Popular companies such as Progressive, GEICO and Farmers Insurance continually hit you with catchy ads and it is challenging if not impossible to see past the corporate glitz and find the best price available.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. Finding affordable coverage is quite easy. But car owners can benefit from knowing the way insurance companies market insurance on the web.

Insurance Coverage Discounts

Car insurance can cost a lot, but you may be missing some discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but a few need to be manually applied before you get the savings.

  • Renewal Discounts – A few insurance coverage companies offer discounts for switching to them prior to your current policy expiring. Ten percent is about the average savings.
  • E-sign Discounts – A few larger online companies will discount your bill up to fifty bucks for buying your policy on your computer.
  • Lower Rates for Military – Having a family member in the military can result in better premium rates.
  • Discount for Good Grades – Maintaining excellent grades could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
  • Telematics Data – Policyholders that allow companies to spy on where and when they drive by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if their driving habits are good.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

Auto insurance companies that may have these money-saving discounts include:

If you need low cost insurance quotes, ask every company the best way to save money. Some discounts may not apply to policyholders in your area. If you would like to see a list of providers who offer insurance coverage discounts, follow this link.

Bentley Continental GTC insurance costs can be cheaper

Many things are used in the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, but others are not as apparent like your vehicle usage and annual miles driven.

  • Drive less and get lower prices – The more miles you rack up on your Bentley annually the more it will cost to insure it. Almost all companies calculate prices based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates than cars that get driven a lot. It’s a good idea to make sure your car insurance coverage shows the proper vehicle usage. A policy that improperly rates your Continental GTC can cost quite a bit.
  • Rates may be higher where you live – Choosing to live in areas with lower population may provide you with better prices when shopping for auto insurance. Fewer drivers means less chance of accidents in addition to lower liability claims Urban drivers tend to have more road rage incidents and longer commutes to work. More time behind the wheel translates into higher accident risk.
  • Liability protection limits should be high – Liability coverage is the protection when a court rules you are at fault for damages caused by your negligence. Liability provides legal defense to defend your case. It is affordable coverage compared to other policy coverages, so do not cut corners here.
  • Insurance is expensive for youthful drivers – Beginning drivers are statistically shown to get distracted easily when driving therefore car insurance rates are much higher. Older, more experienced drivers have been proven to be more responsible, cause fewer claims and accidents and are safer drivers.
  • Having a spouse is a good thing – Getting married may earn you lower rates on car insurance. Having a significant other is viewed as being more mature and statistics show married drivers tend to file fewer claims.
  • An active insurance claims history can cost you more – If you frequently file small claims, you can look forward to increased rates or even have your policy non-renewed. Car insurance companies give better rates to policyholders who are not frequent claim filers. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
  • Multiple policies with one company – Most car insurance companies will give discounts for people that have more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to check prices from other companies to confirm you are receiving the best rates possible.
  • Poor credit rating equals high prices – An insured’s credit score is a big factor in your rate calculation. Insureds with good credit tend to be more responsible and file fewer claims than drivers who have lower ratings. If your credit score can use some improvement, you could pay less to insure your 2011 Bentley Continental GTC by taking the time to improve your credit score.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions may help highlight whether you might need an agent’s assistance.

  • Why is insurance for a teen driver so high?
  • Do I need replacement cost coverage?
  • Should I buy additional glass protection?
  • Where can I find high-risk insurance?
  • What is an SR-22 filing?
  • Are all vehicle passengers covered by medical payments coverage?
  • What vehicles should carry emergency assistance coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance advertising tricks

Big name companies like Allstate and Progressive constantly bombard you with ads in print and on television. They all seem to say the same thing that drivers will save a bundle after switching your insurance policy to them. It sounds good, but how can they all give you a lower rate? It’s all in the wording.

Insurance companies have an ideal profile for the type of customer that earns them the most money. For example, this type of risk profile may be between 25 and 40, has had continuous coverage, and drives less than 10,000 miles a year. Any person that meets those criteria is entitled to the best price and will probably save a lot of money.

Consumers who don’t meet the requirements may be forced to pay higher premiums and ends up with the customer not buying. If you pay close attention to the ads, they say “people who switch” not “everybody who quotes” will save that much if they switch. That is how insurance companies can advertise the way they do. This really illustrates why it is so important to get price quotes at each policy renewal. It’s impossible to know which insurance companies will have better car insurance rates than you’re paying now.

Specific coverage details

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your 2011 Bentley Continental GTC.

Since many 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 important protection for you and your family.

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, hitting a bird, fire damage, a broken windshield and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, rolling your car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like chiropractic care, X-ray expenses, surgery and hospital visits. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability car insurance

This can cover injuries or damage you cause to people or other property. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as emergency aid, structural damage and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Feed the piggy bank

We’ve covered many ways to shop for 2011 Bentley Continental GTC insurance online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding inexpensive insurance. Consumers may even find the most savings is with the smaller companies. These smaller insurers can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.

As you quote insurance, you should never reduce needed coverages to save money. There are too many instances where consumers will sacrifice collision coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Additional information