Lower Your 2015 Bentley Continental GT Insurance Quotes

Want cheaper insurance rates for your Bentley Continental GT? I can’t think of anyone who is fond of buying insurance, in particular when they could get a better deal. Vehicle owners have so many insurers to buy insurance from, and although it’s nice to have multiple companies, it can be more difficult to adequately compare rates.

Finding the best rates is not rocket science. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Vehicle owners just need to know the proper methods to find the lowest price over the internet.

Cheapest auto insurance quotes

Getting a cheaper price on 2015 Bentley Continental GT insurance isn’t really that difficult. Drivers just need to invest a little time comparing rate quotes to find out which insurance company has the cheapest insurance quotes. This can be done using one of these methods.

• If you are pressed for time, the simplest way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This method saves time by eliminating separate quotation requests for each company. A single, simple form will return price quotes from several companies.
• Another way to analyze rates consists of going to each company website and repeat the quote process. For example, let’s assume you want rates from Geico, Farmers and Allstate. You would be required to spend time on each company’s site and punch in your information repeatedly, which explains why we recommend starting with the first method.

  To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make absolute certain that you use equivalent deductibles and coverage limits for each quote you get. If you compare different limits and deductibles on each one it will be next to impossible to determine the lowest rate for your Bentley Continental GT.

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What determines Bentley Continental GT insurance prices?

A large part of saving on insurance is knowing the rating factors that help calculate the price you pay for insurance. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find cheaper rates. Lots of things are taken into consideration when you get a price on insurance. Some are pretty understandable like an MVR report, but other criteria are not quite as obvious like where you live or your financial responsibility.

• Safer occupants lowers rates – Vehicles with high crash test scores are cheaper to insure. Safer cars result in less severe injuries and lower rates of occupant injuries translates into savings for insurance companies and cheaper rates on your policy.
• Urban residents pay more – Choosing to live in a small town is a positive aspect when buying insurance. Fewer drivers on the road corresponds to lower accident rates and lower theft and vandalism rates. Drivers who live in large cities regularly have more auto accidents and higher rates of accident claims. Longer commute distances means a statistically higher chance of an accident.
• Liability is important – A critical coverage on your policy, liability insurance kicks in if ever you are determined to be liable for causing damage or personal injury in an accident. It provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
• No insurance gaps is important – Driving without insurance is not a good idea and companies may charge more for letting your coverage have a gap. Not only will you pay higher rates, not being able to provide proof of insurance might get you a revoked license or a big fine. You may then have to file a SR-22 with your state DMV.

Get cheap auto insurance with discounts

Some companies don’t always publicize all possible discounts in a way that’s easy to find, so here is a list both the well known and the more hidden auto insurance savings.

• Active Service Discounts – Being on active deployment in the military could trigger a small discount.
• Bundled Policy Discount – If you have multiple policies with the same company you may save 10% to 20% off each policy.
• Distant Student – Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
• Professional Organizations – Belonging to certain professional organizations could qualify you for a break on your next renewal.
• Paperless Signup – Some larger companies give back up to $50 just for signing your application on their website.

While discounts sound great, it’s important to understand that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. If you do the math and it seems like you can get free auto insurance, companies wouldn’t make money that way.

A few popular companies and their offered discounts can be read below.

• Progressive has discounts for multi-vehicle, online quote discount, multi-policy, continuous coverage, homeowner, and good student.
• Geico offers discounts for military active duty, federal employee, multi-policy, air bags, good student, and anti-lock brakes.
• State Farm discounts include student away at school, passive restraint, good driver, anti-theft, and Drive Safe & Save.
• Esurance offers discounts including Switch & Save, anti-lock brakes, good driver, multi-policy, online quote, anti-theft, and paid-in-full.
• The Hartford has savings for bundle, good student, air bag, defensive driver, and driver training.

Before buying, ask each company or agent how many discounts you can get. Some of the earlier mentioned discounts may not be offered in your area. To find providers that offer some of these discounts, follow this link.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that These are some specific questions could help you determine if you will benefit from professional help.

• Is extra glass coverage worth it?
• Do I need PIP (personal injury protection) coverage in my state?
• Can my babysitter drive my car?
• When can I cancel my policy?
• Why do I only qualify for high-risk insurance?
• Am I covered if I hit a deer?
• If I drive on a suspended license am I covered?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

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Coverage specifics

Learning about specific coverages of car insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Liability insurance

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

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 limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as funeral expenses, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your Continental GT from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, sustaining damage from a pot hole, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses for things like chiropractic care, surgery, pain medications and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, damage from a tornado or hurricane, hitting a deer and fire damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Saving money is sweet as honey

There are still a few companies who may not provide rates over the internet and usually these regional carriers prefer to sell through independent agencies. Lower-priced car insurance is definitely available from both online companies as well as from independent agents, and you should compare rates from both to get a complete price analysis.

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where someone dropped liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at an affordable rate, but do not skimp to save money.

You just learned many ways to get a better price on 2015 Bentley Continental GT insurance. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may discover the best price on car insurance is with a lesser-known regional company. Some small companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive and Geico.

More tips and info about car insurance is available in these articles:

• Auto Theft Statistics (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Choosing a Car for Your Teen (State Farm)
• Auto Insurance Basics (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)

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