Compare 2005 Bentley Continental GT Insurance Quotes

Searching for cheaper insurance rates for your Bentley Continental GT? No sane person is fond of buying insurance, especially when they know their premiums are too high.

Because there are so many insurance companies to choose from, it’s nearly impossible to locate the cheapest insurer.

Consumers need to price shop coverage every six months because insurance prices tend to go up over time. Despite the fact that you may have had the best deal on Continental GT coverage a couple years back other companies may now be cheaper. There is a lot of wrong information about insurance on the internet, but in this article, you’re going to get some tested techniques to lower your insurance bill.

Finding affordable coverage is quite easy. Just about every driver who buys auto insurance will most likely be able to reduce their rates. But car owners need to learn the way companies sell insurance online and apply this information to your search.

Shop insurance coverage online

To find affordable car insurance quotes, there are several ways to compare quotes from insurance coverage companies in your area. The best way to find affordable 2005 Bentley Continental GT insurance rates consists of shopping online. This can be accomplished in a couple minutes as outlined below.

One of the simplest ways to get quotes is a comparison rater form (click to open form in new window). This type of form eliminates the need for separate forms for every company. In just a few minutes this one form will return price quotes from multiple low-cost companies.

A more time consuming way to find better pricing is going to each company’s website to complete a price quote. For instance, we’ll assume you want to see prices from Geico, Progressive and American Family. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

To view a list of companies in your area, click here.

The approach you take is up to you, just make sure you compare the same coverage limits with each company. If you enter different liability limits it’s not possible to get a fair rate comparison. Slightly different insurance coverages could mean much higher rates. And when quoting insurance coverage, remember that quoting more increases your odds of finding a lower rate than you’re paying now.

Special considerations

When buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs might need an agent’s assistance.

• Am I covered if I break a side mirror?
• Should I sign the liability waiver when renting a car?
• How do I file an SR-22 for a DUI in my state?
• What if I owe more than I can insure my car for?
• Does coverage extend to Mexico or Canada?
• How many claims can I have before being cancelled?
• When does my teenage driver need to be added to my policy?
• Is my 2005 Bentley Continental GT covered for flood damage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Insurance coverage breakdown

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Bentley Continental GT.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

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

Collision can pay for things such as crashing into a ditch, sideswiping another vehicle, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Med pay and PIP coverage pay for expenses like doctor visits, EMT expenses, pain medications, X-ray expenses and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto liability insurance – This coverage will cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as medical services, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, hail damage, damage from flooding, rock chips in glass and hitting a bird. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.