2014 Bentley Continental GTC Insurance Rates

Are you burned out from sacrificing to pay your insurance coverage bill each month? You’re in the same situation as most other consumers.

Online insurance companies like Progressive, State Farm and Geico all promote huge savings with advertising and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s a good idea to check insurance coverage prices at least once a year because insurance rates change frequently. Despite the fact that you may have had the lowest rate for Continental GTC insurance a few years ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the proper way to save on insurance coverage.

Compare free auto insurance quotes

There are several ways to compare auto insurance quotes, but some are easier and takes less work. You could waste a few hours talking to insurance companies in your area, or you can utilize the internet to quickly compare rates.

The majority of car insurance companies take part in a program that allows shoppers to complete one form, and each company can provide price quotes. This eliminates the need for quotation requests for every auto insurance company.

To access this free quoting program, click to open in new window.

The single downside to using this type of form is you don’t know exactly the providers you want pricing from. So if you prefer to choose from a list of companies to request quotes from, we have a page of auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just compare identical quote information on every quote. If the quotes have different deductibles you will not be able to make an equal comparison. Having just a slight variation in coverages could throw off the whole comparison. Just remember that comparing more rates from different companies provides better odds of finding the best price. Some insurance companies are not set up to provide prices over the internet, so it’s important to also get rates from them as well.

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How your Continental GTC insurance costs are determined

Smart consumers have a good feel for a few of the rating criteria that aid in calculating your policy premiums. When you understand what influences your rates, this helps enable you to make changes that may result in big savings.

• Avoid car insurance lapses – Having an insurance coverage lapse is a guaranteed way to increase your rates. And not only will your rates increase, not being able to provide proof of insurance will get you fines or a revoked license.
• Marriage equates to better rates – Being married can get you a discount on your policy. It is viewed as being less irresponsible it has been statistically shown that married drivers tend to file fewer claims.
• Increase comp and collision deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Bentley. Some coverage claims are running into the backend of another car, damage from fire, and damage caused by flying debris. The deductibles tell how much you are required to pay if you file a covered claim. The more you are required to pay out-of-pocket, the bigger discount you will receive for Continental GTC insurance.
• Better premiums with anti-theft devices – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.

More discounts mean affordable premiums

Car insurance can cost a lot, but there are discounts available that you may not even know about. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be manually applied before you will receive the discount.

• Discount for Low Mileage – Low annual miles may enable drivers to earn substantially lower insurance coveragerates.
• Military Deployment Discount – Being on active duty in the military could qualify you for better premium rates.
• Anti-lock Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
• No Claims – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote as compared to insureds who have frequent claims or accidents.
• Safety Course Discount – Taking time to complete a defensive driving class could cut 5% off your bill if you qualify.
• Federal Government Employee – Having worked for a branch of the government could qualify for a slight premium decrease for Continental GTC insurance depending on your insurance coverage provider.
• Pay Early and Save – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
• Own a Home – Owning a home can help you save on insurance coverage since owning and maintaining a home requires personal responsibility.
• Bundled Policy Discount – When you combine your home and auto insurance with the same company you will save approximately 10% to 15%.

It’s important to note that most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

Some of the larger companies that possibly offer these discounts are:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

If you need affordable insurance coverage quotes, ask all companies you are considering the best way to save money. Savings might not be offered in your area.

It’s not one size fits all

When choosing the best car insurance coverage, there really is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine if you would benefit from professional advice.

• Do I have coverage when pulling a U-Haul trailer?
• What is roadside assistance coverage?
• Does liability extend to a camper or trailer?
• Should I get collision insurance on every vehicle?
• Where can I find DUI or SR-22 insurance?
• What is no-fault insurance?
• Should I buy full coverage?
• Does car insurance cover theft of personal property?
• When should I not file a claim?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

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Auto insurance coverage considerations

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most auto insurance policies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2014 Bentley Continental GTC.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical expenses, repair costs for stationary objects, medical services, structural damage and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, hitting a bird, falling objects, a broken windshield and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses like X-ray expenses, dental work, prosthetic devices and chiropractic care. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This pays for damage to your Continental GTC caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Compare but don’t skimp

Throughout this article, we presented many tips how you can shop for 2014 Bentley Continental GTC insurance online. The key concept to understand is the more providers you compare, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the biggest savings come from a small mutual company. Some small companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive or Geico.

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. There have been many situations where an insured cut liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.

To learn more, link through to the resources below:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Auto Insurance 101 (About.com)
• Credit and Insurance Scores (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)

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