2008 Bentley Continental GT Insurance Rates

Want better auto insurance rates for your Bentley Continental GT? Pricey Bentley Continental GT insurance can sap your family’s budget and force you to cut corners elsewhere. Shopping your coverage around is free and is an excellent way to tighten up your finances.

Insurance companies such as Geico, Progressive and Allstate persitently shower you with catchy ads and it can be hard to separate fact from fiction and take the time to shop coverage around.

Components of your Bentley Continental GT insurance prices

Lots of factors are part of the equation when pricing auto insurance. Some are pretty understandable such as your driving history, although others are more obscure like where you live or your financial responsibility.

• Increase physical damage deductibles to save – Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some examples of covered claims are running into the backend of another car, flood damage, and rolling your vehicle. Comp and collision deductibles define the amount you are required to spend out-of-pocket if a covered claim is submitted. The larger the amount you’re willing to pay, the less your company will charge you for insurance for Continental GT insurance.
• Big city or small town – Having an address in smaller towns and rural areas of the country can save you money when it comes to insurance coverage. Fewer drivers translates into fewer accidents in addition to fewer liability claims. City drivers tend to have more aggressive driving styles and a longer drive to work. Higher commute times means more chances of being involved in an auto accident.
• Safer the car lower the rate – Cars with high safety ratings tend to have lower insurance rates. These vehicles reduce the chance of injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims which can result in lower premiums. If the Bentley Continental GT is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• Poor credit can mean higher prices – Your credit score factor in your rate calculation. People that have excellent credit tend to be less risk to insure than drivers who have poor credit scores. Therefore, if your credit leaves room for improvement, you may save money insuring your 2008 Bentley Continental GT by improving your rating.
• Don’t skimp on liability insurance – Your policy’s liability coverage is the coverage that protects you when you are responsible for physical damage or personal injury to other. Your liability coverage provides you with a defense in court to attempt to prove you were not liable. Liability is cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
• Continuous insurance coverage coverage lowers prices – Driving without insurance is a big no-no and you will pay a penalty because you let your insurance lapse for non-payment. And not only will insurance be more expensive, being ticketed for driving with no insurance might get you fines and jail time. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

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Buy insurance online

There are multiple methods you can shop for insurance but there is one way that is easier and takes less work. You could waste a few hours talking about coverages with local insurance agents in your area, or you could save time and use online quotes to maximize your effort.

Most car insurance companies are enrolled in a marketplace that enables customers to send in one quote, and at least one company then gives them pricing based on that data. This eliminates the need for quote requests to every company.

To use this form to compare rates click here to open in new window.

One minor caviat to getting quotes like this is that you can’t choose the companies you want to price. If you prefer to choose specific insurance companies to compare, we have a listing of insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you compare nearly identical coverage information with each company. If you enter different data you will not be able to make a fair rate comparison. Even a minor difference in insurance coverages or limits can mean a large discrepancy in price. It’s important to know that obtaining a wide range of quotes helps improve the odds of finding more affordable rates. Some smaller insurers to not give online quotes, so you need to compare quotes from them, too.

Auto insurance advertising gotchas

Progressive, Geico, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to have a common claim that drivers will save a bundle if you change your policy. That’s great but how can every company offer you a better deal? It’s all in how they say it.

Insurance providers have specific characteristics for the type of customer that will add to their bottom line. An example of this type of risk profile could possibly be between the ages of 40 and 55, has no prior claims, and drives a car with an anti-theft system. A customer who fits that profile will get the preferred prices and will also pay quite a bit less when switching companies.

Potential insureds who fall short of the “perfect” profile may be required to pay higher premium rates with the end result being the customer not buying. The trick companies use is to say “customers who switch” but not “all drivers who get quotes” save the amount stated. That’s why companies can make claims that they all have the best rates.

Because of these techniques, you absolutely need to compare many company’s rates. Because you cannot predict which company will provide you with the cheapest prices.

These discounts can slash insurance coverage rates

Some insurers do not advertise all their discounts very well, so we researched a few of the more well known as well as the least known credits available to you.

• Payment Discounts – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
• Life Insurance – If the company offers life insurance, you could get a lower price if you buy a life policy as well.
• College Student Discount – Any of your kids who attend college more than 100 miles from home and don’t have a car may be able to be covered for less.
• Low Mileage Discounts – Maintaining low annual mileage could be rewarded with cheaper premium rates.
• Safety Course Discount – Participating in a safe driver course can save you 5% or more and easily recoup the cost of the course.
• Homeowners Discount – Owning a home can save a few bucks because maintaining a house requires a higher level of personal finance.

You should keep in mind that most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it appears adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and some of their more popular discounts can be read below.

• State Farm offers discounts including student away at school, accident-free, passive restraint, driver’s education, anti-theft, and Drive Safe & Save.
• Geico discounts include defensive driver, anti-lock brakes, good student, air bags, and seat belt use.
• Progressive offers discounts for multi-policy, online quote discount, multi-vehicle, good student, and continuous coverage.
• 21st Century has discounts for 55 and older, good student, anti-lock brakes, early bird, teen driver, and homeowners.
• American Family may have discounts that include mySafetyValet, TimeAway discount, good driver, multi-vehicle, and defensive driver.
• The Hartford has savings for vehicle fuel type, good student, anti-theft, driver training, and defensive driver.
• AAA offers premium reductions for multi-car, education and occupation, multi-policy, AAA membership discount, and good student.

When comparing rates, check with every insurance company to apply every possible discount. Some of the discounts discussed earlier may not be offered in your state. To choose providers who offer free insurance coverage quotes, follow this link.

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When do I need an agent’s advice?

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether or not you will benefit from professional help.

• How do I buy GAP insurance?
• Will filing a claim cost me more?
• Who is covered when they drive my 2008 Bentley Continental GT?
• Where can I find high-risk insurance?
• Is rental equipment covered for theft or damage?
• Do I need special endorsements for business use of my vehicle?
• What are the best liability limits?
• Do I need PIP coverage since I have good health insurance?
• What companies insure drivers after a DUI or DWI?
• Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Understanding the coverages of your insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2008 Bentley Continental GT.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills such as rehabilitation expenses, X-ray expenses, prosthetic devices and surgery. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as medical services, legal defense fees, loss of income, funeral expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This pays for 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 can pay for claims such as a broken windshield, damage from flooding and hitting a deer. 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 removing comprehensive coverage.

Collision insurance

Collision coverage will pay to fix damage to your Continental GT from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, hitting a parking meter, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Be a money saver!

Cost effective 2008 Bentley Continental GT insurance is definitely available on the web as well as from insurance agents, so get free auto insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who don’t offer online price quotes and most of the time these small, regional companies provide coverage only through local independent agents.

As you quote auto insurance, never sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

For more information, feel free to visit the following helpful articles:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• What is Covered by GAP Insurance? (Allstate)
• Steps to Take After an Auto Accident (Insurance Information Insitute)

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