Want lower auto insurance rates for your Bentley Continental GTC? Did budget coverage turn out to be an expensive auto insurance policy? It’s a common feeling and there are many people just like you. There is such a variety of insurance companies to purchase coverage from, and although it’s a good thing to have a selection, more options can take longer to find a good deal.
Many different elements are considered when premium rates are determined. Some are pretty understandable like an MVR report, but other factors are less obvious like your continuous coverage or your financial responsibility.
The following are some of the items used by companies to determine your prices.
Shopping for lower insurance coverage rates can be challenging if you don’t know the easiest way. You could waste time discussing policy coverages with agents in your area, or you could save time and use the internet for quick rates.
The majority of car insurance companies belong to a marketplace where prospective buyers submit one quote, and each company then gives them pricing for coverage. This prevents consumers from doing quotation requests for every insurance coverage company. To find out what other companies charge click here (opens in new window).
The one downside to pricing coverage this way is that you can’t choose which insurance companies you want to price. If you prefer to choose from a list of companies to compare prices, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.
Whichever method you choose, make sure you use apples-to-apples coverage data with every price quote. If the quotes have differing limits it will be nearly impossible to determine the best price for your Bentley Continental GTC.
Companies do not advertise every disount available in a way that’s easy to find, so the following list contains both the well known in addition to some of the lesser obvious credits that may apply to you.
One last thing about discounts, most discount credits are not given to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.
Companies and their offered discounts are outlined below.
If you need cheap insurance coverage quotes, ask every insurance company how you can save money. Depending on the company, some discounts may not be available in your area. To choose providers that offer many of these discounts, follow this link.
When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Understanding the coverages of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most car insurance policies.
Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as doctor visits, EMT expenses and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible
Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Bentley Continental GTC.
Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.
Comprehensive protection – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like a broken windshield, falling objects and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Liability coverages – Liability coverage protects you from injuries or damage you cause to people or other property in an accident. It protects you against claims from other people. Liability 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. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things like pain and suffering, legal defense fees, loss of income, repair bills for other people’s vehicles and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.
Collision – This pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers things such as crashing into a ditch, hitting a mailbox, backing into a parked car, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Cheaper auto insurance can be found both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers do not offer online price quotes and most of the time these regional carriers only sell coverage through independent insurance agencies.
As you quote insurance coverage, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where an insured dropped comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at the best possible price.