Lower Your 2015 Bentley Continental GT3-R Car Insurance Rates

Searching for the cheapest insurance coverage rates for your Bentley Continental GT3-R? Tired of scraping nickels together to keep your car insured? Your situation is no different than many other consumers.

Due to the increasing number of different company options, it can be impossible to choose the right insurance coverage company.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Although car owners must learn how the larger insurance companies price insurance differently.

Get cheaper insurance prices by understanding these factors

Many things are considered when quoting car insurance. Most are fairly basic like an MVR report, but other criteria are more obscure like your continuous coverage or your financial responsibility.

• How your age affects prices – More mature drivers are more responsible, are lower risk to insure and receive fewer citations.Inexperience drivers are statistically proven to be inattentive when driving so insurance coverage rates are higher.
• A lpolicy lapse is a bad thing – Driving any period of time without insurance is not a good idea and your next policy will cost more because you let your insurance lapse for non-payment. And not only will your rates increase, failure to provide proof of insurance can result in a steep fine or even jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
• Certain occupations pay higher rates – Careers such as military personnelair traffic controllers and miners usually pay higher average rates attributed to high stress levels and extremely grueling work hours. Conversely, jobs like actors, historians and retirees receive lower rates on Continental GT3-R insurance.
• Gender and insurance – Over time, data shows that females take fewer risks when driving. However, this does not mean women are better drivers. Females and males tend to get into at-fault accidents at about the same rate, but the male of the species get into accidents with more damage. Not only that, but men also get more serious tickets such as reckless driving.
• Eliminate incidental coverages – Policies have additional extra coverages that you can get tricked into buying on your Continental GT3-R policy. Coverage for things like roadside assistance, high-cost glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. You may think they are a good idea when discussing your needs, but your needs may have changed so remove them and pocket the money.
• Is your vehicle theft-ready? – Selecting a car model with a theft deterrent system can save you a little every year. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft and help lower rates.

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Drivers save money with these premium-slashing discounts

Car insurance companies don’t always list their entire list of discounts very well, so the list below contains both the well known as well as some of the hidden discounts that may be available.

• Telematics Data – Insureds that choose to allow their company to study vehicle usage by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they exhibit good driving behavior.
• Passenger Safety Discount – Options like air bags or automatic seat belts can get savings of up to 25% or more.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts could cut 10% or more on medical payment and PIP coverage.
• Multiple Vehicles – Drivers who insure all your vehicles with one company qualifies for this discount.
• First Accident Forgiveness – This one is not really a discount per se, but certain companies will forgive one accident before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
• Discount for Good Grades – A discount for being a good student may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students up to age 25.
• Anti-lock Brake System – Vehicles with anti-lock braking systems are much safer to drive so you can save 10 percent or more.
• Pay Now and Pay Less – By paying your policy upfront rather than spreading payments over time you may have a lower total premium amount.
• Senior Citizen Discount – Seniors can get better car insurance rates on Continental GT3-R insurance.
• Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn slightly better car insurancerates than normal.

It’s important to understand that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think all the discounts add up to a free policy, it doesn’t quite work that way.

A partial list of companies who might offer most of the discounts above include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

Before buying, ask each company or agent which discounts they offer. Some discounts might not apply in your area.

Do I need special coverages?

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. For instance, these questions might point out if your insurance needs would benefit from professional advice.

• How can I find cheaper teen driver insurance?
• How do I file an SR-22 for a DUI in my state?
• Am I covered when driving a rental car?
• Is a fancy paint job covered?
• Does medical payments coverage apply to all occupants?
• How much can I save by bundling my policies?
• Do I need replacement cost coverage on my 2015 Bentley Continental GT3-R?
• Who is covered when they drive my 2015 Bentley Continental GT3-R?
• Am I insured when driving a different vehicle?
• What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance coverages 101

Having a good grasp of insurance helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like funeral costs, rehabilitation expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance pays for damage to your Continental GT3-R caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, rolling your car, crashing into a building, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Liability

Liability insurance can cover damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as bail bonds, medical services, legal defense fees and loss of income. 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.

Uninsured and underinsured coverage

This gives you protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Bentley Continental GT3-R.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverages

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

Comprehensive coverage pays for claims such as rock chips in glass, fire damage, hail damage and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

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A penny earned…

In this article, we presented some good ideas how to compare 2015 Bentley Continental GT3-R insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest priced insurance comes from a small mutual company. Some small companies often have lower premium rates on specific markets as compared to the big name companies such as Progressive and Geico.

Lower-priced 2015 Bentley Continental GT3-R insurance is available on the web as well as from insurance agents, so you need to quote insurance coverage with both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get quotes online and most of the time these smaller companies only sell coverage through independent agents.

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an insured dropped collision coverage and learned later that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

More detailed insurance information is available by following these links:

• Smart Auto Insurance Tips (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Child Safety Seats (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)

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