2007 Bentley Continental GTC Insurance Quotes

Feeling guilty for buying high-priced car insurance? You’re preaching to the choir because many consumers feel financially strained by their car insurance policy.

Drivers have multiple insurers to choose from, and though it is a good thing to have a choice, more options can take longer to find the lowest cost provider.

You should make it a habit to check car insurance prices at least once a year since prices trend upward over time. Even if you think you had the best deal on Continental GTC coverage on your last policy the chances are good that you can find a lower rate quote today. Ignore everything you know about car insurance because you’re about to learn one of the quickest ways to find the best coverage while lowering your premiums.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. Although consumers do need to know how insurance companies compete online because it can help you find the best coverage.

Get affordable insurance coverage with discounts

Companies that sell car insurance do not list all their discounts very well, so the following is a list of a few of the more well known and also the more inconspicuous credits available to you.

• Driver Education Discount – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
• Service Members Pay Less – Being on active duty in the military could be rewarded with lower insurance coverage rates.
• Multi-Vehicle Discounts – Drivers who insure multiple cars with the same company qualifies for this discount.
• No Claims – Drivers who don’t have accidents can save substantially in comparison to insureds who have frequent claims or accidents.
• Seat Belt Usage – Drivers who require all occupants to buckle up can save 10% or more on the medical payments or PIP coverage costs.
• Defensive Driver – Participating in a course teaching defensive driving skills could save 5% or more and make you a better driver.
• Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and will save you 10% or more.
• Senior Discount – Drivers that qualify as senior citizens can possibly qualify for reduced rates on Continental GTC coverage.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, you’re out of luck.

Some of the larger companies that may include these discounts are:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

When getting free car insurance quotes, it’s a good idea to each insurance company to apply every possible discount. Savings may not apply to policyholders in your area. To locate companies that can offer you the previously mentioned discounts, click here to view.

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How to buy insurance online

There are several ways to compare rate quotes from insurance companies in your area. The simplest method to compare rates involves getting comparison quotes online. It is quite easy and can be accomplished by using one of the methods below.

• The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This quick form prevents you from having to do repetitive form entry to each individual insurance company. One simple form gets you price quotes from insurance companies with the best prices.
• A different way to analyze rates requires you to visit each individual company website and complete a new quote form. For examples sake, let’s say you want to compare State Farm, Geico and Allstate. To get each rate you have to visit each site and enter your information, which is why the first method is more popular.

  For a list of links to insurance companies in your area, click here.

• The hardest way to comparison shop is making phone calls or going to different agent offices. Buying insurance online eliminates this option unless you require the professional abilities of a local agent. However, consumers can obtain prices from the web but buy the policy through an agent.

Take whichever approach you prefer, but do your best to enter the same quote information for every company. If your comparisons have different deductibles it will be very difficult to make a fair comparison for your Bentley Continental GTC. Even a minor difference in insurance coverages or limits could throw off the whole comparison. And when comparison shopping, making a lot of price comparisons gives you a better chance of getting lower pricing.

Cut insurance costs with these tips

The best way to find cheaper insurance coverage is to take a look at the different types of things that play a part in calculating insurance coverage rates. If you understand what determines premiums, this helps enable you to make changes that may reward you with lower premium levels. Lots of factors are used in the calculation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are more obscure like your continuous coverage or your financial responsibility.

Listed below are just a few of the factors used by insurance companies to determine prices.

• When should you file a claims? – If you frequently file small claims, don’t be surprised to see either higher rates or even cancellation. Insurance companies give discounts to drivers who only file infrequent claims. Your car insurance is intended for larger claims.
• Incidental coverages push up prices – Policies have optional add-on coverages that sound like a good idea at the time on your insurance coverage policy. Coverages for replacement cost coverage, better glass coverage, and additional equipment coverage are examples of these. They may seem like a good idea at first, but if they’re wasting money get rid of them and save.
• Mileage impacts premiums – The higher the mileage driven every year the more you’ll pay to insure it. Many insurance companies charge rates based on how the vehicle is used. Cars that sit idle most of the time qualify for better rates than those used for commuting. It’s a good idea to make sure your insurance coverage policy shows annual mileage, because it can save money. Improper usage on your Continental GTC may be costing you higher rates.
• Insurance coverage rates and your job – Did you know your occupation can influence how much you pay for insurance coverage? Jobs like judges, executives and medical professionals have the highest average rates due to intense work-related stress and lots of time spent away from family. On the other hand, occupations like scientists, engineers and performers have lower than average premiums on Continental GTC coverage.
• Expect high rates for teens – Beginning drivers are proven to be easily distracted when driving with friends and because of this, their insurance coverage rates are much higher. Having to add a first-time driver onto a policy can really hurt. Older, more experienced drivers are more cautious drivers, tend to file fewer claims and get fewer tickets.
• Get a ticket, pay higher prices – Being a careful driver impacts your car insurance rates tremendously. Good drivers have lower premiums compared to bad drivers. Only having one speeding ticket can increase rates by as much as twenty percent. Drivers who have received careless citations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
• Gender and insurance – Statistics have proven that females tend to be a little less risky than males. The data does not necessarily mean that males are worse at driving than females. Males and females cause accidents in similar numbers, but the men tend to have higher claims. Not only that, but men also receive more costly citations such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.

Tailor your insurance coverage coverage to you

When buying coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your situation would benefit from an agent’s advice.

• Is my Bentley Continental GTC covered if I use it for business?
• Does my personal policy cover me when driving out-of-state?
• Am I covered if I drive in a foreign country?
• Will I lose any money if I cancel my policy before it expires?
• Can I make deliveries for my home business?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Why do I need rental car insurance?
• Does car insurance cover theft of personal property?
• Does my policy cover my teen driver if they drive my company car?

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. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

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Buyer beware of insurance coverage advertising tricks

21st Century, Allstate and State Farm constantly bombard you with television, radio, and online ads. They all try to convey promises that people will save just by switching to them. How does each company give you a lower rate? Just pay attention to how they say it.

Insurance providers have underwriting criteria for a prospective insured that will generate a profit. A good example of a profitable risk profile should be between 25 and 40, has never had a policy lapse, and insures a new vehicle. Any person who fits that profile will get very good car insurance rates and will also save quite a bit of money when switching.

People who don’t meet these standards will probably be forced to pay a higher premium which leads to business going elsewhere. The ad wording is “customers who switch” but not “everyone who gets a quote” can save as much as they claim. That is how insurance companies can confidently make claims like that. Different companies use different criteria so drivers must do a quote comparison often. It’s impossible to know which insurance coverage company will be your best fit.

Car insurance coverages and their meanings

Having a good grasp of car insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by car insurance companies.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

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 policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, repair bills for other people’s vehicles, repair costs for stationary objects, loss of income and medical services. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, rock chips in glass and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto collision coverage

Collision coverage covers damage to your Continental GTC resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, driving through your garage door, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2007 Bentley Continental GTC.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses for EMT expenses, chiropractic care and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Saving money makes a lot of cents

A few companies may not have online quoting and usually these regional insurance providers work with independent insurance agencies. Low-cost 2007 Bentley Continental GTC insurance can be bought on the web and from local agencies, and you should compare price quotes from both so you have a total pricing picture.

While you’re price shopping online, do not buy less coverage just to save a little money. There have been many situations where an accident victim reduced liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

Additional information can be read at the links below

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Credit and Insurance Scores (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• What if I Can’t Find Coverage? (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

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