Lower Your 2011 Bentley Continental GTC Speed Insurance Rates

Want the cheapest insurance rates for your Bentley Continental GTC Speed? Trying to find more affordable insurance can be slightly frustrating for beginners to quoting and comparing prices online. People have so many options available that it can quickly become a challenge to compare coverage rates.

If you currently have car insurance, you should be able to lower your premiums substantially using these techniques. Pricing the lowest cost protection is simple if you know the tricks. Although car owners must know how companies market on the web and apply this information to your search.

Why your insurance rates might be higher

Lots of factors are taken into consideration when you get a price on insurance. Some are pretty understandable like your driving record, although some other factors are less apparent such as your credit history or your financial responsibility.An important part of buying insurance is that you know some of the things that come into play when calculating your insurance coverage rates. When consumers understand what influences your rates, this allows you to make good choices that will entitle you to better insurance coverage rates.

The itemized list below are just a few of the factors companies use to determine your prices.

  • Your gender affects costs – Over time, data shows females are less aggressive when driving. However, don’t assume that men are worse drivers. Both genders have auto accidents in similar numbers, but males have accidents that have higher claims. Men also receive more major tickets like driving under the influence (DUI). Young men ages 16 to 20 are the most expensive to insure and therefore are the most expensive to insure.
  • How your age affects prices – Drivers with little experience have been known to get distracted easily when behind the wheel therefore insurance coverage rates are much higher. More mature drivers are more responsible, cause fewer claims and accidents , and are generally more financially stable.
  • Small coverages can add up – Policies have extra coverages that sound like a good idea at the time if you aren’t diligent. Coverages for rental car reimbursement, towing coverage, and membership fees are probably not needed. They may seem good when deciding what coverages you need, but if you’ve never needed them in the past remove them and pocket the money.
  • Vehicle options can affect insurance coverage rates – Owning a car with anti-theft technology or alarm system can save you some money. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent vehicle theft.

Find discounts on insurance

Companies offering auto insurance don’t always publicize every policy discount in an easy-to-find place, so the following is a list of a few of the more common and the harder-to-find credits available to you.

  • Full Payment Discount – If you pay your bill all at once rather than paying in monthly installments you can avoid monthly service charges.
  • Bundled Policy Discount – When you combine your auto and home insurance with the same insurance company you could save nearly 15% which can help you find cheaper car insurance.
  • Claim-Free Discount – Insureds who avoid accidents and claims pay less in comparison to drivers who are more careless.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Drivers Ed for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class in high school.
  • Senior Citizen Discount – If you’re over the age of 55, you may be able to get lower premium rates on Continental GTC Speed coverage.
  • Discount for New Cars – Putting coverage on a new car can save you some money since newer models have better safety ratings.
  • Defensive Driving Course – Successfully completing a course teaching defensive driver skills could cut 5% off your bill depending on where you live.
  • E-sign Discounts – A handful of companies will give you a small discount for signing up digitally online.

Please keep in mind that most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, that’s just not realistic.

A partial list of companies that may offer policyholders these benefits include:

When quoting, ask each company which discounts can lower your rates. Some credits may not be offered in your state. To find insurance companies that can offer you the previously mentioned discounts, follow this link.

Insurance advertising gotchas

Insurance providers like 21st Century, Allstate and State Farm constantly bombard you with television, radio, and online ads. They all seem to make the promise of big savings just by switching your policy. It sounds good, but how can they all charge lower premium rates?

Insurance providers give the best rates for the driver that earns them the most money. A good example of this type of driver might have to be between 30 and 50, has never had a claim, and insures a new vehicle. Someone who matches that profile is entitled to the best price and will most likely save when switching.

Potential insureds who don’t measure up to these standards will be quoted higher rates with the end result being the customer buying from someone else. If you listen closely, the ads state “customers that switch” not “everyone who quotes” save money. That is how companies can truthfully make the claims of big savings. This really drives home the point why you need to compare rate quotes every year. It’s not possible to predict with any certainty which company will fit your personal profile best.

Tailor your auto insurance coverage to you

When buying proper insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions could help you determine if you might need professional guidance.

  • Should I buy additional glass protection?
  • Am I covered when delivering products for my home-based business?
  • Is a blown tire covered by insurance?
  • Am I covered if I hit a deer?
  • Do I have newly-aquired coverage?
  • Does coverage extend to Mexico or Canada?
  • Can my babysitter drive my car?
  • When should I buy a commercial auto policy?
  • Is my dog or cat covered if injured in an accident?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form.

Auto insurance coverage basics

Knowing the specifics of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, rock chips in glass and fire damage. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things like structural damage, pain and suffering and loss of income. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Bentley Continental GTC Speed.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like prosthetic devices, nursing services, EMT expenses, doctor visits and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage will pay to fix damage to your Continental GTC Speed resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Shop. Compare. Save.

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. In many cases, drivers have reduced liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy enough coverage at an affordable rate while still protecting your assets.

People leave their current company for any number of reasons including poor customer service, policy cancellation, unfair underwriting practices or even delays in paying claims. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

Cheaper 2011 Bentley Continental GTC Speed insurance is definitely available online in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies may not provide internet price quotes and usually these smaller companies only sell through independent insurance agents.

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