2008 Bentley Continental GTC Insurance Rates

Sick and tired of trying to scrape together enough money to pay high car insurance rates every month? Your situation is no different than many other drivers. Big companies like Allstate and Progressive continually hit you with TV and radio ads and it is difficult to see past the corporate glitz and effectively compare rates to find the best deal.

How to lower your insurance prices

A large part of saving on car insurance is knowing a few of the rating criteria that are used to determine the rates you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with big savings. Lots of things are used when premium rates are determined. Most are fairly basic like your driving record, although some other factors are not as apparent like where you live or how safe your car is.

Listed below are some of the major factors that factor into your premiums.

• Use one insurance company and save – Some insurance companies provide better rates to insureds who consolidate policies with them. It’s known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to check prices from other companies to guarantee you are still saving the most.
• Cars with good safety ratings are cheaper to insure – Safer cars are cheaper to insure. Vehicles built for safety protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you.
• Pay more out-of-pocket – The deductibles you choose define the amount you are willing to pay if a claim is determined to be covered. Coverage for physical damage, also called comprehensive and collision insurance, insures against damage to your car. A few examples of covered claims would be rearending another vehicle, animal collisions, and damage caused by road hazards. The higher the amount the insured is willing to pay, the lower your rates will be for Continental GTC coverage.
• Good drivers pay less – A bad driving record has a lot to do with how much you pay for insurance. Only having one driving citation may increase your cost by twenty percent. Drivers with clean records get better prices than bad drivers. Drivers who have gotten dangerous citations such as DUI, reckless driving or excessive speeding may find that they have to to complete a SR-22 with their state’s licensing department in order to prevent a license revocation.
• Liability protection is peace of mind – Your policy’s liability coverage provides coverage when a jury decides you are liable for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
• Your career may increase prices – Do you have a high-stress occupation? Careers like fire fighters, social workers and accountants have higher premium rates attributed to high stress levels and long work hours. Conversely, jobs like scientists, historians and performers get better rates for Continental GTC coverage.
• Get better rates if married – Your spouse actually saves money on your policy. Having a spouse demonstrates that you tend to be more mature and responsible it has been statistically shown that married drivers get in fewer accidents.

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Buy insurance online

There are multiple methods to shop for insurance, but some are easier and takes less work. You could waste a few hours talking to insurance agencies in your area, or you could save time and use the internet to get prices fast.

Most car insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and at least one company returns a rated price based on that information. This eliminates the need for form submissions to every company. To access this free quoting program, click here to start a free quote.

The one downside to pricing coverage this way is you cannot specify which insurance companies to get quotes from. So if you want to choose from a list of companies to receive pricing from, we put together a list of companies who write insurance in your area. Click here for list of insurance companies.

However you get your quotes, compare equivalent coverages and limits on every quote. If you enter different data you will not be able to determine the best price for your Bentley Continental GTC.

Take advantage of every insurance discount

Insurance is not an enjoyable expense, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be asked about prior to getting the savings. If you are not receiving all the discounts available, you are throwing money away.

• Professional Memberships – Participating in qualifying employment or professional organizations could earn you a nice discount on your bill.
• Discounts for Multiple Vehicles – Having multiple cars with the same insurance company can reduce the rates for all insured vehicles.
• Paperwork-free – A few larger online companies will give a small break shop insurance coverage online.
• Distant Student – College-age children who live away from home at college and do not take a car to college may be able to be covered for less.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save a little off the medical payments premium.
• Senior Citizen Discount – Drivers over the age of 55 may qualify for lower premium rates for Continental GTC coverage.
• Homeowners Savings – Simply owning a home can earn you a little savings since home ownership requires personal responsibility.
• Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
• Drivers Ed for Students – Teen drivers should participate in a local driver’s education class in school or through a local driver safety program.
• Air Bag Discount – Cars that have air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.

It’s important to understand that many deductions do not apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

Large insurance companies and the discounts they provide can be found below.

• American Family has savings for good student, defensive driver, early bird, accident-free, and Steer into Savings.
• Farm Bureau includes discounts for safe driver, 55 and retired, multi-vehicle, renewal discount, driver training, and multi-policy.
• State Farm has discounts for Steer Clear safe driver discount, Drive Safe & Save, safe vehicle, accident-free, driver’s education, and multiple autos.
• Travelers policyholders can earn discounts including good student, new car, hybrid/electric vehicle, multi-policy, continuous insurance, and home ownership.
• The Hartford may include discounts for vehicle fuel type, defensive driver, air bag, bundle, and driver training.
• Geico offers discounts for emergency military deployment, driver training, five-year accident-free, multi-vehicle, and seat belt use.
• Progressive offers premium reductions for homeowner, good student, multi-policy, continuous coverage, online signing, and multi-vehicle.

Before buying, ask each company or agent how you can save money. Savings may not apply to policyholders in every state. To find insurance companies with significant discounts, click here.

How to know if you need help

When choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might help in determining if your situation will benefit from professional help.

• How much can I save by bundling my policies?
• Does my policy cover me when driving someone else’s vehicle?
• Is my teenager covered with friends in the car?
• Does my insurance cover a custom paint job?
• Do I have coverage when making deliveries for my home business?
• Does my medical payments coverage pay my health insurance deductible?
• How do I buy GAP insurance?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

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What insurance coverages do you need?

Knowing the specifics of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, rock chips in glass, a broken windshield and hitting a bird. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses for funeral costs, prosthetic devices and dental work. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Auto liability

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects you from claims by other people, and does not provide coverage for 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. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims such as medical expenses, pain and suffering and loss of income. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Bentley Continental GTC.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Auto collision coverage

Collision insurance pays for damage to your Continental GTC caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as hitting a mailbox, backing into a parked car and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

At the end of the day…

In this article, we covered a lot of tips how to reduce 2008 Bentley Continental GTC insurance car insurance rates online. It’s most important to understand that the more quotes you get, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the best price on insurance is with a company that doesn’t do a lot of advertising. They may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

Some companies do not provide online price quotes and usually these regional carriers only sell coverage through independent insurance agents. Budget-friendly insurance is attainable on the web and with local insurance agents, so you need to compare both to have the best selection.

As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. There are too many instances where someone sacrificed collision coverage only to find out that it was a big mistake. Your goal is to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

Even more information can be found in the articles below:

• Neck Injury FAQ (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Distracted Driving Extends Beyond Texting (State Farm)

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