Lower Your 2013 Bentley Continental GT Car Insurance Quotes

Want cheaper auto insurance rates for your Bentley Continental GT? No one in their right mind likes having to buy auto insurance, in particular when they could lower their rates if they shopped around.

Popular companies such as State Farm and Geico promote their brand names with catchy ads and consumers find it hard to ignore the promise of big savings and effectively compare rates to find the best deal.

You should take the time to price shop coverage periodically because insurance prices change frequently. Just because you found the best deal on Continental GT coverage a year ago other companies may now be cheaper. There are lots of tips to save on auto insurance out there, but you can learn a bunch of ideas how to lower your auto insurance rates.

The quickest way to compare insurance rates from multiple companies utilizes the fact car insurance companies participate in a system to give free rates quotes. All you need to do is provide details such as what your job is, coverage limits, whether your vehicle is owned or leased, and if a SR-22 is required. Your information is instantly provided to insurance carriers in your area and you should receive rate quotes within a short period of time.

Smart buyers can reduce their insurance premiums

When buying insurance coverage it’s important to understand some of the things that go into determining the level of your policy premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that may reward you with cheaper rates.

• Policy add-ons add up – Insurance policies have a lot of extra bells and whistles that may not really be needed on your 2013 Continental GT policy. Coverages for roadside assistance, better glass coverage, and motor club memberships are examples of these. These coverages may sound good when deciding what coverages you need, but your needs may have changed so eliminate them to save money.
• Youthful drivers cost more – Teen drivers are statistically proven to be careless and easily distracted when driving with friends therefore insurance coverage rates are much higher. If you’ve ever had to add a first-time driver onto a policy will cause a huge premium hike. Older insureds have been proven to be more responsible, cost insurance companies less in claims and get fewer tickets.
• Protect yourself with liability – Liability insurance will provide protection in the event that you are responsible for an accident. Your policy’s liability insurance provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
• Higher premiums for tough employers – Did you know that where you work can have an impact on rates? Occupations like judges, executives and stock brokers tend to pay the highest rates due to high stress levels and long work hours. Other careers like professors, engineers and the unemployed get better rates on Continental GT coverage.

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More discounts mean lower-cost premiums

Insurance is not cheap nor is it fun to buy but you can get discounts to help offset the cost. Certain discounts will be applied when you get a quote, but less common discounts must be asked about before they will apply.

• Discount for Life Insurance – Some companies give better prices if you take out a life insurance policy as well.
• Safe Driver Discounts – Insureds who avoid accidents may receive a discount up to 45% on Continental GT coverage compared to rates paid by drivers with frequent claims.
• Government Employee Discount – Being employed by or retired from a federal job can save as much as 8% on Continental GT coverage depending on your company.
• Good Grades Discount – Getting good grades can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
• E-sign Discounts – A handful of larger companies give back up to $50 for buying your policy digitally online.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving may be able to save a few bucks off the PIP or medical payment premium.

Don’t be shocked that most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Companies and a summarized list of policyholder discounts include:

• Esurance offers premium reductions for defensive driver, good student, homeowner, claim free, multi-car, emergency road assistance, and online shopper.
• The Hartford policyholders can earn discounts including good student, air bag, anti-theft, driver training, defensive driver, and vehicle fuel type.
• AAA has discounts for pay-in-full, education and occupation, good driver, multi-policy, anti-theft, and multi-car.
• Geico may offer discounts for multi-vehicle, anti-theft, multi-policy, anti-lock brakes, and daytime running lights.
• State Farm may include discounts for multiple policy, safe vehicle, accident-free, good student, defensive driving training, and passive restraint.

Before buying, ask each company or agent which discounts can lower your rates. Discounts might not apply in your area. To view insurance companies who offer free insurance quotes, follow this link.

It’s not one size fits all

When choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions might help in determining whether or not you could use an agent’s help.

• What is the minimum liability in my state?
• Do I have coverage when making deliveries for my home business?
• Is my nanny covered when driving my vehicle?
• Should I buy only the required minimum liability coverage?
• How does medical payments coverage work?
• How high should my uninsured/underinsured coverage be in my state?
• Is my Bentley Continental GT covered if I use it for business?
• Does coverage extend to my business vehicle?
• Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance 101

Knowing the specifics of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average insurance policy.

Collision protection

This coverage will pay to fix damage to your Continental GT caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like doctor visits, rehabilitation expenses, surgery and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

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

Comprehensive can pay for things such as damage from getting keyed, hail damage and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection 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.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability

Liability coverage 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 your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as funeral expenses, medical services and bail bonds. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

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Final thoughts

We just covered a lot of ways to get a better price on 2013 Bentley Continental GT insurance. The most important thing to understand is the more companies you get car insurance rates for, the higher your chance of finding inexpensive insurance coverage. Consumers could even find that the lowest rates are with some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

Budget-conscious 2013 Bentley Continental GT insurance can be found online and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not offer online quoting and usually these smaller providers prefer to sell through local independent agencies.

Other information

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• State Car Insurance Guides (Geico)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)

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