Lower Your 2015 Bentley Continental GT3-R Insurance Rates

Searching for better auto insurance rates for your Bentley Continental GT3-R? Having to pay for expensive Bentley Continental GT3-R insurance can dry up your bank account and require stricter spending habits. Performing a price comparison is a great way to reduce premiums and put more money in your pocket.

Numerous car insurance companies battle to insure your vehicles, and it can be difficult to compare rates to get the lowest rate

How to lower your auto insurance cost

Getting a more affordable price on 2015 Bentley Continental GT3-R insurance doesn’t have to be difficult. You just need to take the time to compare free insurance coverage quotes from some recommended companies. Insurance prices can be quoted using a couple different methods.

  • The single most time-saving way to get the best comparison quotes is a comparison rater form click here to open form in new window. This style of form saves time by eliminating a different quote for every prospective company. Just one form gets prices estimates from many national carriers.
  • A different way to analyze rates requires you to visit each company’s website and get a separate price quote. For sake of this example, let’s assume you want to compare rates from Farmers, Safeco and GMAC. You would need to navigate to each company’s site and enter your information, which is why first method is reommended. For a list of companies in your area, click here.

Whichever method you choose, make sure you are using exactly the same quote data for every company. If each company quotes different deductibles it’s impossible to determine the best price for your Bentley Continental GT3-R.

Are you getting every discount?

Not many people think insurance is cheap, but there could be significant discounts that you may not even know about. Certain reductions will be credited when you quote, but some discounts are required to be requested specifically before you get the savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • New Car Discount – Buying a new car instead of a used car can get you a discount because new vehicles keep occupants safer.
  • Homeowners Savings – Owning your own home or condo can save a few bucks since home ownership demonstrates responsibility.
  • Claim-Free Discount – Claim-free drivers have much lower rates in comparison to insureds who have frequent claims or accidents.
  • Government Employee Discount – Active or retired federal employment could provide a small rate reduction for Continental GT3-R coverage but check with your company.
  • Telematics Devices – Drivers who agree to allow their insurance company to study their driving habits remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as the data is positive.
  • Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts could save 15% off the personal injury premium cost.
  • Discount for Passive Restraints – Factory air bags may get savings as much as 30%.
  • Defensive Driver Discount – Passing a class that teaches driver safety techniques could earn you a small percentage discount depending on where you live.
  • Multiple Vehicles – Buying a policy with more than one vehicle with one company qualifies for this discount.
  • Distant Student – who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, you’re out of luck.

A few popular companies and a partial list of their discounts include:

  • State Farm may have discounts that include student away at school, multiple policy, anti-theft, safe vehicle, and passive restraint.
  • Esurance policyholders can earn discounts including emergency road assistance, multi-car, good student, Pac-12 alumni, paid-in-full, good driver, and renters.
  • Progressive offers discounts including good student, online quote discount, online signing, homeowner, multi-vehicle, and multi-policy.
  • Liberty Mutual includes discounts for teen driver discount, good student, newly retired, safety features, new move discount, multi-policy, and preferred payment discount.
  • Auto-Owners Insurance offers premium reductions for mature driver, good student, student away at school, paid in full, safe vehicle, multiple vehicles, and safe driver.
  • GEICO discounts include multi-policy, anti-theft, emergency military deployment, membership and employees, seat belt use, daytime running lights, and multi-vehicle.

When getting a coverage quote, ask all the companies to give you their best rates. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see companies with the best car insurance discounts, click here.

When in doubt talk to an agent

When buying the right insurance coverage, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • Who is covered when they drive my 2015 Bentley Continental GT3-R?
  • How high should my medical payments coverage be?
  • Do I pay less if my vehicle is kept in my garage?
  • What is roadside assistance coverage?
  • Do I need higher collision deductibles?
  • Who is covered by my policy?
  • Can my teen drive my company car?
  • If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Informed drivers save more

Many different elements are used when premium rates are determined. A few of the factors are predictable like your driving record, although some other factors are more obscure like your vehicle usage or how safe your car is.Part of the insurance buying process is learning a few of the rating criteria that come into play when calculating the rates you pay for insurance. If you have a feel for what determines premiums, this enables you to make decisions that may result in big savings.

The factors shown below are just a few of the factors insurance companies consider when setting rates.

  • Do you really need the add-on coverages? – Insurance policies have a lot of extra coverages that you can get tricked into buying on your 2015 Continental GT3-R policy. Things like roadside assistance, high-cost glass coverage, and additional equipment coverage may not be needed and are just wasting money. The coverages may be enticing when deciding what coverages you need, but if you’ve never needed them in the past remove them from your policy.
  • More than one policy can earn a discount – The majority of companies allow better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. The discount can add up to ten percent or more. Even with this discount, drivers will still want to get quotes from other companies to help guarantee you have the best rates. You may still be able to find lower rates by buying insurance from a different company.
  • Better prices for no policy lapses – Driving without insurance coverage in place can get your license suspended and companies may charge more for letting your insurance expire. In addition to paying higher rates, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Women pay lower premiums – Statistics show women are more cautious behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Both genders cause at-fault accidents at about the same rate, but the men tend to have more serious accidents. Not only are claims higher, but men get ticketed for serious violations like driving under the influence (DUI). Males from age 16 to 21 are several times more likely to be in an accident and therefore have the most expensive insurance rates.
  • How many miles do you drive? – Driving more miles every year the higher the price you pay to insure it. Most insurance companies apply a rate based upon how the vehicle is primarily used. Cars that have low annual miles get more affordable rates than cars that get driven a lot. An incorrectly rated Continental GT3-R may be costing you higher rates. Ask your agent if your insurance declarations sheet correctly shows the right rating data.
  • Do you work long hours in a stressful occupation? – Did you know your career choice can influence rates? Jobs such as judges, executives and dentists tend to have higher rates than average in part from intense work situations and long work days. Other jobs like scientists, students and performers pay lower than average rates for Continental GT3-R coverage.
  • Careless driving means higher prices – Having just one citation may increase your cost twenty percent or more. Good drivers get better prices than their less careful counterparts. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may be required to prove financial responsibility with their state DMV in order to legally drive.

Insurance coverage basics

Understanding the coverages of a insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Coverage for collisions

Collision insurance will pay to fix damage to your Continental GT3-R caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, scraping a guard rail, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for X-ray expenses, dental work, surgery and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, a tree branch falling on your vehicle, theft, damage from a tornado or hurricane and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage protects you from injuries or damage you cause to other people or property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like funeral expenses, loss of income, pain and suffering, medical services and legal defense fees. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your 2015 Bentley Continental GT3-R.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Spend less. Save more.

As you quote insurance coverage, you should never reduce needed coverages to save money. In too many instances, someone sacrificed collision coverage only to discover later that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

We just presented many ideas to compare 2015 Bentley Continental GT3-R insurance premium rates online. The most important thing to understand is the more price quotes you have, the higher your chance of finding inexpensive insurance coverage. You may even find the best price on car insurance is with a lesser-known regional company. These smaller insurers may have significantly lower prices on certain market segments compared to the large companies like Progressive or GEICO.

Additional detailed information can be found at these sites: