Lower Your 2012 Bentley Continental GTC Car Insurance Rates

Looking for better car insurance rates for your Bentley Continental GTC? Locating low-cost car insurance online can seem to be challenging for people that are relatively new to price shopping online. With so many companies competing online, how are we expected to possibly compare every car insurance company to find the best available price?

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. The purpose of this article is to familiarize you with the most effective way to quote insurance and some tips to save money. But consumers must know how insurance companies market insurance on the web and apply this information to your search.

Cheap insurance rates with discounts

Insurance can cost an arm and a leg, but you may be missing some discounts to help bring down the price. Most are applied at the time of purchase, but some need to be manually applied before you get the savings.

  • Early Switch Discount – Some insurance companies provide a discount for renewing your policy prior to your current policy expiring. You may see this discount when you get auto insurance quotes online.
  • Own a Home – Owning a house can help you save on insurance because it shows financial diligence.
  • Lower Rates for Military – Being deployed in the military may lower your prices slightly.
  • Discount for Low Mileage – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Bundle and Save – When you have multiple policies and place coverage with the same company you could earn a discount of up to 20% off your total premium.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
  • One Accident Forgiven – Not really a discount, but companies like State Farm, Progressive and GEICO will forgive one accident without getting socked with a rate hike if your claims history is clear for a specific time period.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up before driving may be able to save a few bucks off PIP or medical payments premium.
  • New Vehicle Savings – Putting coverage on a new car can save up to 30% since newer vehicles have better safety ratings.

Please keep in mind that many deductions do not apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount should definitely cut your policy cost.

The best insurance companies and a summarized list of policyholder discounts are detailed below.

  • Progressive offers discounts including good student, online quote discount, homeowner, online signing, and multi-vehicle.
  • AAA discounts include education and occupation, multi-car, good student, multi-policy, pay-in-full, and AAA membership discount.
  • Farmers Insurance may offer discounts for electronic funds transfer, multi-car, good student, early shopping, and teen driver.
  • GEICO has discounts for good student, anti-theft, multi-vehicle, driver training, and military active duty.
  • Esurance may include discounts for online quote, defensive driver, paid-in-full, anti-lock brakes, emergency road assistance, safety device, and claim free.
  • SAFECO may have discounts that include accident prevention training, homeowner, anti-lock brakes, teen safety rewards, safe driver, and teen safe driver.
  • State Farm offers premium reductions for good driver, multiple autos, driver’s education, safe vehicle, defensive driving training, and anti-theft.

When quoting, ask each insurance company how many discounts you can get. Some discounts might not be available to policyholders everywhere. For a list of companies that can offer you the previously mentioned discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether your personal situation will benefit from professional help.

  • Am I covered if I crash into my own garage door?
  • How do I buy GAP insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Will my insurance pay for OEM parts?
  • When would I need rental car insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Is my teenager covered with friends in the car?
  • What are the best liability limits?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Don’t believe everything you hear

Companies like Allstate, GEICO and Progressive regularly use ads on TV and radio. They all seem to say the same thing that you’ll save big if you just switch to their company. It sounds good, but how can they all claim to save you money?

Different companies have specific criteria for the right customer they prefer to insure. For instance, a driver they prefer might have to be between the ages of 40 and 55, has few claims, and has excellent credit. Any driver that matches those criteria will get low prices and have a good chance to save a lot if they switch.

Drivers who don’t measure up to those standards may receive more expensive rates and this can result in the customer buying from someone else. If you listen to the ad wording, they say “people who switch” not “everybody who quotes” will save that much if they switch. That’s why insurance companies can confidently advertise the way they do.

Different companies use different criteria so it’s extremely important to get price quotes at each policy renewal. It is just not possible to predict the company that will provide you with the cheapest rates.

Insurance coverage options for a Bentley Continental GTC

Having a good grasp of your policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Medical costs insurance

Med pay and PIP coverage pay for bills such as hospital visits, doctor visits, ambulance fees and EMT expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

This coverage protects you from injuries or damage you cause to people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as legal defense fees, loss of income, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your 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. This is the reason having UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

Collision coverage

This coverage covers damage to your Continental GTC from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, hitting a deer, theft, falling objects and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Compare but don’t skimp

Consumers change insurance companies for many reasons like being labeled a high risk driver, lack of trust in their agent, extreme rates for teen drivers or an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.

You just learned a lot of techniques to lower your 2012 Bentley Continental GTC insurance car insurance rates. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable auto insurance. You may be surprised to find that the best price on insurance coverage is with a lesser-known regional company.

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. In too many instances, consumers will sacrifice liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible for the lowest price while still protecting your assets.

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