Compare 2013 Bentley Continental GTC Insurance Cost

Want the cheapest auto insurance rates for your Bentley Continental GTC? Finding cheaper coverage rates on auto insurance is always nearly impossible for drivers who are beginners to comparing prices online. With such a big selection of agents and online companies available, it can be a difficult mission to find more affordable prices.

Which insurance is cheapest?

There are several ways to compare insurance quotes, but there is one way that is less time-consuming than others. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to maximize your effort.

Many popular insurance companies enroll in a system where prospective buyers complete one form, and each participating company can give them a price determined by their information. This saves time by eliminating quotation requests for each company you want a rate for.

To compare pricing click here (opens in new window).

One minor caviat to using this type of form is buyers cannot specifically choose the insurers you want to price. If you prefer to choose specific insurance companies to compare, we have a page of companies who write insurance in your area. Click to view list.

Whichever way you use, ensure you’re using the same information on every price quote you get. If each company quotes different limits and deductibles on each one it’s impossible to find the best deal for your Bentley Continental GTC. Having just a slight variation in coverage limits can mean a large discrepancy in price. Keep in mind that obtaining a wide range of quotes increases the change that you will find lower pricing.

These discounts can reduce car insurance rates

Some providers don’t always advertise the complete list of policy discounts in a way that’s easy to find, so we took the time to find some of the more common and the more hidden credits that may apply to you.

  • Save with a New Car – Adding a new car to your policy is cheaper due to better safety requirements for newer vehicles.
  • Own a Home and Save – Just being a homeowner can help you save on car insurance because of the fact that having a home requires personal responsibility.
  • Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control have fewer accidents and will save you 10% or more.
  • Telematics Discount – People who choose to allow driving data submission to look at where and when they drive remotely like Allstate’s Drivewise might see lower rates if they show good driving skills.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class as it can save substantially.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Larger car insurance companies and a partial list of their discounts can be found below.

  • GEICO offers discounts for daytime running lights, multi-policy, multi-vehicle, five-year accident-free, membership and employees, federal employee, and defensive driver.
  • USAA includes discounts for good student, military installation, defensive driver, safe driver, vehicle storage, and loyalty savings.
  • Progressive may include discounts for homeowner, multi-vehicle, continuous coverage, online signing, multi-policy, and good student.
  • American Family offers discounts including accident-free, mySafetyValet, good student, early bird, Steer into Savings, and TimeAway discount.
  • Esurance discounts include good student, anti-theft, safety device, emergency road assistance, and online quote.
  • Farmers Insurance may have discounts that include electronic funds transfer, youthful driver, business and professional, homeowner, pay in full, teen driver, and multi-car.
  • State Farm has savings for anti-theft, multiple autos, Drive Safe & Save, safe vehicle, and Steer Clear safe driver discount.

When getting a coverage quote, ask all the companies which credits you are entitled to. Savings may not be offered in your state. For a list of providers who offer free car insurance quotes, follow this link.

When do I need an agent’s advice?

When buying proper insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.

  • What is roadside assistance coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does insurance cover damages from a DUI accident?
  • Do I need an umbrella policy?
  • Should I waive the damage coverage when renting a car?
  • Can my teen drive my company car?
  • If my pet gets injured in an accident are they covered?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

Insurance specifics

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, hitting a parking meter, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, fire damage, damage from getting keyed, rock chips in glass and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Bentley Continental GTC.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as attorney fees, legal defense fees, medical services, structural damage and funeral expenses. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as pain medications, surgery, chiropractic care and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Take this to the bank

Drivers who switch companies do it for many reasons like being labeled a high risk driver, denial of a claim, lack of trust in their agent and policy non-renewal. Whatever your reason, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

When getting auto insurance quotes online, it’s a bad idea to buy less coverage just to save a little money. Too many times, an insured cut uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at the best price and still be able to protect your assets.

We covered a lot of ways to compare 2013 Bentley Continental GTC insurance car insurance rates online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding cheap auto insurance. You may even find the biggest savings come from a small mutual company.

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