Trying to find better auto insurance rates for your Bentley Continental GT Speed Convertible? Being forced to pay for high-priced auto insurance premiums can stress out your savings and force you to make sacrifices. Price shopping at each renewal can save money and help to slash your bill and have more diposable income.
Drivers have so many insurers to purchase coverage from, and although it’s nice to have multiple companies, too many choices makes it more difficult to compare rates and find the lowest cost auto insurance.
It’s a good habit to compare rates once or twice a year because auto insurance prices are usually higher with each renewal. Just because you found the lowest price on Continental GT Speed Convertible insurance six months ago a different company probably has better rate quotes today. Block out anything you think you know about auto insurance because you’re about to find out the only way to buy cheaper auto insurance.
The cost of insuring your cars can be expensive, but you may be missing some discounts that you may not even be aware of. A few discounts will be applied at quote time, but less common discounts must be specially asked for in order for you to get them.
Drivers should understand that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works. Any qualifying discounts will bring down your overall premium however.
Companies that possibly offer these discounts may include but are not limited to:
Double check with every insurance company which discounts you qualify for. Some of the discounts discussed earlier may not apply in your area.
There are multiple methods to shop for auto insurance, but some are less time-consuming than others. You could spend the better part of a day driving to insurance companies in your area, or you could use the internet to get pricing more quickly.
The majority of car insurance companies belong to an insurance system where prospective buyers enter their policy data once, and every company then gives them pricing determined by their information. This saves time by eliminating quote forms for each company.
To enter your information into the quoting system, click here (opens in new window).
The one downside to pricing coverage this way is you don’t know exactly the providers to get quotes from. So if you prefer to pick individual companies to request quotes from, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.
It doesn’t matter which method you choose, just be sure to compare the exact same information for every quote you compare. If the quotes have different liability limits it’s not possible to find the best deal for your Bentley Continental GT Speed Convertible. Slightly different insurance coverages can mean a large discrepancy in price. And when quoting auto insurance, remember that comparing more quotes provides better odds of finding the best price. Not every company allows you to get rate quotes online, so it’s recommended that you also compare price quotes from them as well.
When buying the best insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if you would benefit from professional advice.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.
Knowing the specifics of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages offered by auto insurance companies.
This coverage protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like medical expenses, repair costs for stationary objects, funeral expenses, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like funeral costs, pain medications, chiropractic care and dental work. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Bentley Continental GT Speed Convertible.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hitting a deer, damage from getting keyed, damage from a tornado or hurricane and vandalism. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims such as backing into a parked car, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.
As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find at the best price and still be able to protect your assets.
More affordable insurance coverage can be sourced online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide online rate quotes and most of the time these small, regional companies only sell coverage through independent insurance agencies.