Cheap 2013 Bentley Continental GT Insurance Rates

Wish you could get out of an underperforming, overpriced insurance policy? Don’t sweat it because many consumers are in the same pinch. There is such a variety of insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, more choices can make it harder to compare rates.

Buying affordable protection is not that difficult. If you have a current insurance coverage policy or are shopping for new coverage, you can use this information to cut your premiums while maintaining coverages. Vehicle owners just need to know how to find the lowest price online.

Cheapest auto insurance quotes

Lowering your 2013 Bentley Continental GT auto insurance rates doesn’t have to be difficult. Consumers just need to take the time to compare rate quotes to discover which company has affordable car insurance quotes. This can be done in a couple of different ways.

The fastest and easiest way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing repetitive form submissions for each company. Filling out one form gets you price quotes from many national carriers.
A different way to analyze rates requires you to visit the website for each individual company and get a separate price quote. For example, let’s say you want to compare prices for State Farm, Progressive and GEICO. To get rate quotes you would need to go to every website and repeatedly type in your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
The most time-consuming method of getting rate comparisons is to drive around to local insurance agencies. Comparing rates online has made agencies unnecessary unless you have a complicated situation and need the peace of mind of a local agency. If you prefer, some companies allow you to get the lowest quotes online but buy the policy through an agent.

Whichever method you choose, do your best to use exactly the same quote data for each comparison quote. If your comparisons have different deductibles it will be impossible to determine the best price for your Bentley Continental GT.

How car insurance companies determine Bentley Continental GT insurance prices

When buying auto insurance it’s important to understand a few of the rating criteria that are used to determine your policy premiums. If you understand what determines base rates, this empowers consumers to make smart changes that will entitle you to lower rates. Many different elements are used when you get your auto insurance bill. A few of the factors are predictable like your driving record, but other factors are more obscure such as your credit history or your financial responsibility.

Cars with good safety ratings cost less to insure – Vehicles with high crash test scores cost less to insure. The safest vehicles result in less severe injuries and reduced instances of injuries translates directly to fewer claims and cheaper rates on your policy.
Low deductibles mean high prices – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Bentley. Some examples of claims that would be covered could be a broken side mirror, collision with an animal, and burglary. Comprehensive and collision coverage deductibles define the amount the insured will be required to pay before a claim is paid by your company. The more expense you choose to pay out-of-pocket, the less your company will charge you for insurance for Continental GT coverage.
An active policy claims history can cost you more – Insurance companies generally give better rates to drivers who file claims infrequently. If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Auto insurance is designed for larger claims.
Defend yourself with liability protection – Your policy’s liability coverage will afford coverage if you are found liable for damages from an accident. It provides legal defense coverage which can be incredibly expensive. Liability is cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
Multiple policies with one company – Some insurers give better rates for people that buy multiple policies in the form of a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even with this discount applied, it’s still a good idea to check prices from other companies to make sure you are getting the best deal. You may still save even more than the discount even if you insure with multiple companies

Take policy discounts and save

Car insurance is not cheap nor is it fun to buy but there could be available discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but a few must be inquired about before you will receive the discount.

Anti-theft System – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
Homeowners Savings – Owning a house can help you save on car insurance because maintaining a house is proof of financial responsibility.
Student in College – who live away from home at college and do not have a car could qualify for this discount.
Renewal Discounts – A few car insurance companies give discounts for switching companies before your current policy expires. This discount can save up to 10%.
New Car Discount – Buying a new car instead of a used car can get you a discount since new model year vehicles are generally safer.
Low Mileage Discounts – Low annual miles can earn substantially lower rates.
Use Seat Belts – Buckling up and requiring all passengers to buckle up can save 10% or more off PIP or medical payments premium.
Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
Good Students Pay Less – Performing well in school can save 20 to 25%. The discount lasts until age 25.
Telematics Discount – Policyholders that allow their insurance company to monitor when and where they use their vehicle by using a telematics device in their vehicle like Allstate’s Drivewise could see a rate decrease if they are good drivers.

Policy discounts save money, but many deductions do not apply to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though you would think you can get free auto insurance, it’s just not the way it works. But all discounts will help lower your overall premium however.

Larger car insurance companies and a summarized list of policyholder discounts are shown below.

State Farm offers discounts for multiple autos, good student, Drive Safe & Save, Steer Clear safe driver discount, and anti-theft.
American Family has discounts for air bags, mySafetyValet, bundled insurance, defensive driver, and early bird.
AAA offers premium reductions for good student, AAA membership discount, education and occupation, good driver, and pay-in-full.
GEICO includes discounts for multi-policy, anti-theft, daytime running lights, anti-lock brakes, and five-year accident-free.
Mercury Insurance may include discounts for age of vehicle, professional/association, multi-policy, low natural disaster claims, good driver, and good student.
Farmers Insurance offers discounts including early shopping, alternative fuel, bundle discounts, mature driver, and distant student.
Progressive discounts include online signing, multi-vehicle, continuous coverage, good student, multi-policy, and homeowner.

If you need low cost car insurance quotes, ask every insurance company what discounts are available to you. Savings may not apply to policyholders in your area. To find companies that provide some of the discounts listed above, click this link.

Which policy gives me the best coverage?

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. For instance, these questions may help you determine whether or not you might need an agent’s assistance.

When should I drop full coverage on my 2013 Bentley Continental GT?
Can I make deliveries for my home business?
Is extra glass coverage worth it?
Is my 2013 Bentley Continental GT covered for smoke damage?
Should I bundle my homeowners policy with my auto?
Does my insurance cover a custom paint job?
How do I insure my teen driver?
Do I need to file an SR-22 for a DUI in my state?
Should I get collision insurance on every vehicle?
If my 2013 Bentley Continental GT is totaled, can I afford another vehicle?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Learning about specific coverages of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, falling objects and damage from getting keyed. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like doctor visits, pain medications, rehabilitation expenses, prosthetic devices and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Bentley Continental GT.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage

Collision insurance will pay to fix damage to your Continental GT resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, sideswiping another vehicle, driving through your garage door, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Liability car insurance

This coverage provides protection from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like medical expenses, bail bonds, funeral expenses, medical services and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Make an honest buck

Affordable 2013 Bentley Continental GT insurance can be found online and with local insurance agents, so get free car insurance quotes from both of them to get a complete price analysis. There are still a few companies who may not provide internet price quotes and many times these small insurance companies only sell through independent agents.

As you quote car insurance, don’t be tempted to reduce coverage to reduce premium. There have been many situations where drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your goal is to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.