Lower Your 2016 Bentley Continental GT Insurance Rates

Want the cheapest insurance rates for your Bentley Continental GT? Price shopping your insurance might be frustrating for drivers new to online insurance quotes. You have so many agents and companies to choose from that it can easily turn into a difficult situation to compare prices.

If you have car insurance now, you will be able to lower your premiums substantially using these methods. Shopping for affordable coverage is easy if you know what you’re doing. Although consumers must know the methods companies use to market on the web and take advantage of how the system works.

Insurance rate influencing factors

Lots of factors are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but some are not quite as obvious like your continuous coverage or your financial responsibility.When buying insurance it’s important to understand the rating factors that aid in calculating the rates you pay for insurance. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to big savings.

Never let your insurance expire – Not having insurance is a misdemeanor and any future policy may cost more because you let your coverage have a gap. And not only will your rates increase, being ticketed for driving with no insurance may earn you fines or a revoked license. You may then have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
Rate your vehicle for proper use – Driving more miles in a year the higher your rates will be. Many insurance companies calculate rates based upon how much you drive. Cars that are left in the garage can be on a lower rate level than cars that get driven a lot. An incorrectly rated Continental GT may be costing you higher rates. Make sure your insurance policy properly reflects the proper vehicle usage, because improper ratings can cost you money.
Tickets drive up prices – Getting just one chargable violation could increase your next policy renewal by as much as twenty percent. Attentive drivers pay lower auto insurance prices than their less careful counterparts. Drivers unfortunate enough to have multiple violations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state’s department of motor vehicles in order to legally drive a vehicle.
Cheaper to insure females? – Over the last 30 years, statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that females are better drivers. They both have at-fault accidents at a similar rate, but guys get into accidents with more damage. Not only are claims higher, but men get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers tend to get in the most accidents and are penalized with high insurance rates.
Discounts for married couples – Walking down the aisle actually saves money when shopping for insurance. Marriage generally demonstrates drivers are more responsible and insurance companies reward insureds because drivers who are married are more cautious.
Small claims can cost you – Insurance companies provide the lowest premiums to drivers that do not abuse their auto insurance. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
High physical damage deductibles save money – Coverage for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. A few examples of covered claims are a windshield shattered by a rock, vandalism, and rolling your vehicle. Comp and collision deductibles are how much you are required to pay before your insurance pays a claim. The larger the amount you pay before a claim is paid (deductible), the less your insurance will be on Continental GT insurance.
Lower insurance rates with theft deterrents – Owning a car with a theft deterrent system can get you a discount on your insurance. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft.

These discounts can lower insurance coverage rates

Insurance coverage can be pricey, but you might be missing out on some discounts that can help lower your rates. Many discounts should be triggered at the time you complete a quote, but a few need to be requested specifically before you get the savings.

Pay Upfront and Save – By making one initial payment rather than paying in monthly installments you may have a lower total premium amount.
Active Military Service – Being deployed with a military unit could trigger a small discount.
Use Seat Belts – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
Buy New and Save – Putting insurance coverage coverage on a new car may earn a small discount since new model year vehicles have better safety ratings.
Clubs and Organizations – Being a member of qualifying employment or professional organizations could trigger savings on your next renewal.
Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings as much as 30%.
Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive and qualify for as much as a 10% discount.
Auto/Life Discount – If the company offers life insurance, you could get lower prices if you buy life insurance from them.
Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.

One last thing about discounts, many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, that’s just not realistic.

If you would like to view companies that offer many of these discounts, click here to view.

When do I need an agent’s advice?

When it comes to buying adequate coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your situation would benefit from professional advice.

What can I do if my company denied a claim?
Are rock chip repairs covered?
Do I have newly-aquired coverage?
Am I covered if I wreck a rental car?
Should I file a claim if it’s only slightly more than my deductible?
What is no-fault insurance?
Does my personal policy cover me when driving out-of-state?
Do I need to file an SR-22 for a DUI in my state?
Which is better, split liability limits or combined limits?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverages 101

Having a good grasp of insurance helps when choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Med pay and PIP coverage pay for immediate expenses for things like ambulance fees, X-ray expenses, chiropractic care and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance – This coverage protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things like repair bills for other people’s vehicles, emergency aid and medical services. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Bentley Continental GT.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Cheaper insurance is a realistic goal

As you quote insurance, make sure you don’t skimp on coverage in order to save money. In many cases, consumers will sacrifice liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

We’ve covered many ideas to compare 2016 Bentley Continental GT insurance premium rates online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance comes from a smaller regional carrier.

People leave their current company for any number of reasons including high rates after DUI convictions, delays in paying claims, an unsatisfactory settlement offer or even lack of trust in their agent. Whatever your reason, finding a great new company can be easy and end up saving you some money.