View 2012 Bentley Continental GT Insurance Cost

Want the cheapest auto insurance rates for your Bentley Continental GT? Comparison shopping for cheap Driversauto insurance is always kind of frustrating for people who have little experience online comparison shopping. With such a big selection of agents and companies competing online, it can quickly become a ton of work to find the lowest price.

Smart consumers take time to check auto insurance prices before your policy renews because prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates on Continental GT coverage six months ago there may be better deals available now. Forget all the misinformation about auto insurance because it’s time to teach you the fastest way to find lower rates on auto insurance.

Quote auto insurance online

Performing a rate comparison can be challenging if you don’t know the most efficient way. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could use online quotes to get rates in a matter of minutes.

Most of the best insurance companies belong to an insurance system that enables customers to complete one form, and each participating company then gives them pricing based on that data. This saves time by eliminating repetitive form submissions for every auto insurance company.

To enter your information into the quoting system, click here to open in new window.

The single downside to using this type of system is you don’t know exactly which carriers to get quotes from. So if you prefer to pick individual companies to compare prices, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

Whichever way you use, ensure you are comparing the exact same coverages on every quote you get. If you have different deductibles it will be nearly impossible to determine which company has the best rates. Slightly different insurance coverages or limits can mean a large discrepancy in price. And when quoting auto insurance, remember that comparing more company’s prices will increase your chances of finding the best price.

Discounts for lower-cost insurance coverage quotes

Auto insurance companies do not advertise the entire discount list in a way that’s easy to find, so the following is a list of both well-publicized as well as some of the hidden credits available to lower your premiums when you buy auto insurance online. If you’re not getting every credit available, you are just wasting money.

Early Renewal Discounts – Some companies reward drivers for switching companies before your current policy expires. You can save around 10% with this discount.
Defensive Driver Discounts – Participating in a safe driver course may get you a small discount if you qualify.
Full Payment Discount – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save a little on the medical payments or PIP coverage costs.
Multi-policy Discount – If you have multiple policies with one company you could save 10% to 20% off each policy.
Telematics Devices – Drivers that enable companies to track driving manner by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if their driving habits are good.
New Vehicle Savings – Insuring a new car may earn a small discount since newer vehicles have better safety ratings.

Discounts lower rates, but some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

A list of insurance coverage companies and their offered discounts are outlined below.

GEICO may include discounts for multi-vehicle, multi-policy, five-year accident-free, seat belt use, and federal employee.
MetLife offers premium reductions for defensive driver, claim-free, good driver, good student, and multi-policy.
State Farm has savings for good driver, good student, defensive driving training, Drive Safe & Save, and Steer Clear safe driver discount.
Progressive has discounts for multi-vehicle, continuous coverage, multi-policy, online quote discount, and online signing.
Mercury Insurance may offer discounts for professional/association, good student, low natural disaster claims, good driver, type of vehicle, and accident-free.
21st Century discounts include anti-lock brakes, air bags, teen driver, good student, automatic seat belts, and student driver.
Allstate offers discounts for good student, EZ pay plan discount, defensive driver, eSmart discount, auto/life discount, and economy car.

Before purchasing a policy, check with all the companies which discounts they offer. Some credits may not be available in every state. If you would like to see a list of insurers that offer many of these discounts, click here.

You may need specialized insurance coverage coverage

When choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions could help you determine whether you will benefit from professional help.

How does medical payments coverage work?
Am I covered if hit by an uninsured driver?
Do I need replacement cost coverage?
When does my teenage driver need to be added to my policy?
Does liability extend to a camper or trailer?
What should my uninsured motorist coverage limits be in my state?
Is motorclub coverage worth it?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

Specific coverage details

Understanding the coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2012 Bentley Continental GT.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are similar to your liability insurance amounts.

Auto liability

Liability insurance can cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like court costs, repair bills for other people’s vehicles, pain and suffering, legal defense fees and emergency aid. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as rehabilitation expenses, prosthetic devices, chiropractic care and doctor visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive protection

This covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as theft, a broken windshield, damage from a tornado or hurricane, fire damage and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, driving through your garage door, backing into a parked car, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.