Lower Your 2010 Bentley Continental GT Insurance Quotes

Want lower insurance rates? Drivers have options when trying to find low-cost Bentley Continental GT insurance. You can either waste hours struggling with agents to get rate comparisons or leverage the internet to get rate quotes.

There is a better way to find insurance online and you need to know the best way to compare rates for a Bentley and get the cheapest rates from local insurance agents and online providers.

The quickest way to compare insurance rates in your area is to know the trick most of the bigger providers allow for online access to give free rates quotes. The only thing you need to do is give the companies some data such as if you’re married, driver details, which vehicles you own, and deductibles desired. Your information is then sent to many of the top insurers and you should receive rate quotes quickly.

To start a quote now, click here and enter your coverage details.

Take advantage of every insurance discount

Insurance can cost an arm and a leg, but you may find discounts that you may not even know about. Some discounts apply automatically at quote time, but some must be asked about before you will receive the discount.

• ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
• Paperwork-free – Many companies will discount your bill up to fifty bucks just for signing your application on your computer.
• Waiver for an Accident – This one isn’t a discount, but a few companies such as State Farm, Progressive and Geico will let one accident slide before they charge you more for coverage if your claims history is clear for a specific time period.
• Driver Safety – Completing a defensive driving class could cut 5% off your bill and also improve your driving technique.
• Use Seat Belts – Drivers who require all vehicle occupants to buckle up could save 15% on the medical payments or PIP coverage costs.
• Full Payment Discount – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
• Senior Citizens – Drivers over the age of 55 can possibly qualify for a slight reduction on a insurance coverage quote for Continental GT coverage.
• Air Bag Discount – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 20% or more.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. So when the math indicates all the discounts add up to a free policy, that’s just not realistic.

A few companies that have these money-saving discounts include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

Before you buy a policy, ask each insurance company to give you their best rates. All car insurance discounts might not be offered in your state. If you would like to view companies with discount rates, click here.

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How to know if you need help

When choosing adequate coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.

• Do I pay less if my vehicle is kept in my garage?
• Does coverage extend to Mexico or Canada?
• Is my ex-spouse still covered by my policy?
• Are rock chip repairs covered?
• When can my company non-renew my policy?
• Are split liability limits better than a combined single limit?
• Where can I get insurance after a DUI in my state?
• What is UM/UIM insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Get more affordable insurance costs by understanding these factors

When buying insurance it’s important to understand the rating factors that go into determining the price you pay for insurance. If you understand what influences your rates, this empowers consumers to make smart changes that could result in lower premium levels. Many different elements are part of the equation when quoting car insurance. A few of the factors are predictable like an MVR report, but other criteria are less apparent such as your marital status or how safe your car is.

• Demanding occupation may mean higher premiums – Jobs like doctors, executives and financial analysts have higher average rates in part from intense work situations and incredibly demanding work hours. On the flip side, occupations such as farmers, engineers and the unemployed get better rates for Continental GT coverage.
• More people means more accidents – Being located in less populated areas of the country has definite advantages if you are looking for the lowest rates. People in densly populated areas regularly have more auto accidents and more severe claims. Fewer drivers corresponds to lower accident rates in addition to fewer liability claims.
• Maintain insurance coverage – Driving any period of time without insurance is not a good idea and your next policy will cost more because you let your insurance coverage expire. And not only will insurance be more expensive, getting caught without coverage could result in fines or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• Safer vehicles cost less to insure – Cars with high safety ratings tend to have better insurance rates. Safer cars reduce injuries and fewer serious injuries translates into savings for insurance companies which can mean better rates for you.

Brand name doesn’t guarantee savings

Consumers can’t ignore all the ads that claim the lowest premium rates from companies such as Progressive, Geico, Allstate and State Farm. They all seem to have a common claim that you’ll save big if you get a free insurance coverage quote and switch your coverage to them.

How can each company charge lower premium rates? This is how they do it.

All the different companies have a preferred profile for the driver that earns them the highest profit. For example, this type of risk profile might be over the age of 40, carries full coverage, and insures a new vehicle. A driver that fits those parameters will get low rates and will save when they switch companies.

People who are not a match for those criteria will see a higher premium which leads to the customer not purchasing. The trick companies use is to say “drivers who switch” but not “all drivers who get quotes” save that much. That is how companies can claim big savings.

This really illustrates why you really should get insurance coverage quotes from several different companies. Because you cannot predict with any certainty which company will have the lowest premium rates for your situation.

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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 coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage will pay to fix damage to your Continental GT caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for liability

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others, 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 commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as emergency aid, medical services, repair bills for other people’s vehicles, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like dental work, hospital visits, ambulance fees and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Bentley Continental GT.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Cheaper insurance is a realistic goal

Some companies do not offer rates over the internet and many times these regional carriers only sell through independent insurance agencies. Cheap 2010 Bentley Continental GT insurance can be purchased online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection.

Drivers switch companies for many reasons like not issuing a premium refund, unfair underwriting practices, high prices or being labeled a high risk driver. No matter why you want to switch, finding a great new company is actually quite simple.

In this article, we covered many ideas to save on 2010 Bentley Continental GT insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your prices. You may even find the best price on auto insurance is with the least-expected company.

Additional information is located below:

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)

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