View 2015 Bentley Continental GT Car Insurance Cost

Drivers have many options when trying to find the lowest priced Bentley Continental GT insurance. You can either waste hours contacting agents to get rate comparisons or utilize the internet to compare rates. There are more efficient ways to compare insurance rates and you need to know the quickest way to price shop coverage on a Bentley and obtain the cheapest rates from both online companies and local agents.

Are you getting every discount?

Some companies don’t necessarily list every available discount in a way that’s easy to find, so the following is a list of some of the more common and the harder-to-find discounts that may be available.

  • Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy some life insurance in addition to your auto policy.
  • Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
  • One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies will turn a blind eye to one accident without getting socked with a rate hike if you are claim-free for a certain period of time.
  • Discounts for Multiple Vehicles – Buying insurance for multiple cars with the same auto insurance company can reduce rates for all insured vehicles.
  • Data Collection Discounts – Policyholders that allow data collection to track where and when they drive by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as they are good drivers.
  • Low Miles Discount – Driving fewer miles could earn better rates on cars that stay parked.
  • Active Service Discounts – Being on active duty in the military could trigger a small discount.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, that’s just not realistic. But all discounts should help lower your overall premium however.

A list of auto insurance companies and the discounts they provide are shown below.

  • Progressive offers discounts including homeowner, multi-policy, online quote discount, good student, continuous coverage, multi-vehicle, and online signing.
  • Farmers Insurance discounts include good student, alternative fuel, multi-car, teen driver, and business and professional.
  • Farm Bureau may include discounts for driver training, multi-policy, safe driver, youthful driver, and renewal discount.
  • State Farm may offer discounts for Drive Safe & Save, good driver, Steer Clear safe driver discount, good student, safe vehicle, anti-theft, and passive restraint.
  • GEICO has discounts for emergency military deployment, multi-vehicle, driver training, good student, anti-lock brakes, air bags, and federal employee.
  • SAFECO has savings for accident prevention training, teen safety rewards, multi-car, anti-theft, homeowner, and safe driver.
  • Liberty Mutual offers discounts for newly retired, multi-car, multi-policy, newly married, exclusive group savings, and hybrid vehicle.

Before buying, ask each insurance company which discounts you may be entitled to. Savings might not be offered on policies everywhere. To find auto insurance companies with discount auto insurance rates, click this link.

When in doubt talk to an agent

When buying adequate coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • Do I need motorclub coverage?
  • Should I buy full coverage?
  • Are rock chip repairs covered?
  • How high should deductibles be on a 2015 Bentley Continental GT?
  • Am I covered when using my vehicle for business?
  • What can I do if my company won’t pay a claim?
  • What if I owe more than I can insure my car for?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Insurance coverage companies are expert advertisers

Consumers can’t ignore all the ads that claim the lowest prices by Allstate, GEICO and Progressive. They all seem to advertise claims that you’ll save big if you just switch your policy.

But how can every company sell you cheaper insurance coverage? It’s all in the numbers.

Insurance companies have specific characteristics for the type of driver that will not have excessive claims. An example of a profitable insured might be described as between the ages of 30 and 45, has a clean driving record, and drives a lower-performance vehicle. A customer who fits those characteristics will get a cheap rate quote and is almost guaranteed to cut their rates substantially.

Potential customers who don’t measure up to those standards may be forced to pay a higher premium and business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can confidently state the savings. This really drives home the point why it is so important to get auto insurance quotes from several different companies. Because you cannot predict which insurance companies will have the lowest rates for your situation.

Auto insurance specifics

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, hitting a bird, falling objects, fire damage and rock chips in glass. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses for funeral costs, hospital visits and chiropractic care. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

Liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as pain and suffering, repair bills for other people’s vehicles, emergency aid and bail bonds. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Collision protection

Collision coverage pays for damage to your Continental GT resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, colliding with a tree, hitting a mailbox and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Bentley Continental GT.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Have money to burn

Throughout this article, we presented some good ideas how you can compare 2015 Bentley Continental GT insurance rates online. It’s most important to understand that the more providers you compare, the higher your chance of finding cheaper auto insurance. You may be surprised to find that the biggest savings come from an unexpected company.

As you prepare to switch companies, you should never buy less coverage just to save a little money. In many cases, an insured dropped uninsured motorist or liability limits and learned later they didn’t have enough coverage. The goal is to buy enough coverage for the lowest cost while still protecting your assets.

Some auto insurance companies do not offer rate quotes online and many times these small, regional companies provide coverage only through independent agents. Low-cost 2015 Bentley Continental GT insurance is attainable online and from local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

Additional information is available at the links below