2005 Bentley Continental GT Car Insurance Cost – 10 Discounts for Cheapest Prices

I can’t think of anyone who likes having to buy auto insurance, especially knowing it costs too dang much. Numerous auto insurance companies battle for your business, and it can be difficult to compare rates to find the lowest rate

If you have a policy now or are just looking to switch companies, you can use these tips to find the best rates and still get good coverage. Choosing the best insurance company for you is not rocket science. Vehicle owners only need to know the proper way to find the lowest price on the web.

How to compare car insurance quotes

Finding cheap car insurance rates can be quick and easy. All that’s required is to take time comparing price quotes to see which company has inexpensive auto insurance quotes. Shoppers can get rates in just a few minutes using one of these methods.

  1. The fastest way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do multiple quote forms for each company. Taking the time to complete one form gets you price quotes direct from many companies.
  2. A slightly less efficient method to analyze rates consists of visiting each company’s website and fill out a new quote form. For examples sake, let’s say you need rates from Farmers, State Farm and Travelers. You would have to go to every website to input your insurance information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. Even if you have time, the least recommended way to compare price quotes is driving to each insurance agency near you. The ability to quote online has made agencies unnecessary unless you prefer the personal advice of an agent trained in personal lines coverage. Drivers can get the lowest quotes online but buy the policy through an agent.

Whichever method you choose, be sure you’re using nearly identical quote data for every quote you compare. If the quotes have higher or lower deductibles it will be impossible to determine the best price for your Bentley Continental GT.

Use discounts to get cheaper insurance quotes

Auto insurance companies don’t list every discount very clearly, so the list below gives a summary of some of the more common as well as some of the hidden savings tricks you should be using when you buy auto insurance online. If you’re not getting every credit you qualify for, you are not getting the best rate possible.

  • Military Deployment Discount – Having a family member in the military could be rewarded with lower premium rates.
  • Savings for New Vehicles – Insuring a new car can save up to 30% due to better safety requirements for newer vehicles.
  • Multi-Vehicle Discounts – Buying insurance for more than one vehicle on the same insurance policy could earn a price break for each car.
  • Switch and Save Discount – Some companies provide a discount for switching to them before your current coverage expires. The savings is around 10%.
  • ABS Brakes – Cars with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Full Payment Discount – If you can afford to pay the entire bill rather than spreading payments over time you could save up to 5%.
  • Good Student – Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Paper-free Discount – A few companies provide a small discount for signing up over the internet.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for slightly better insurancerates than normal.
  • Passive Restraints and Air Bags – Options like air bags may qualify for discounts of 20 to 30 percent.

It’s important to understand that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Car insurance companies that may offer some of the discounts shown above possibly include:

If you are trying to find low cost auto insurance quotes, ask each company the best way to save money. Depending on the company, some discounts may not be offered in your state. To see insurers who offer free insurance quotes, click here to view.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. For example, these questions may help you determine if you might need an agent’s assistance.

  • How do I file an SR-22 for a DUI in my state?
  • What are the best liability limits?
  • Should I buy only the required minimum liability coverage?
  • When should my teen driver be added to my policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is a new car covered when I drive it off the dealer lot?
  • How much liability insurance is required?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage considerations

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by auto insurance companies.

Collision coverages – This pays for damage to your Continental GT caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, backing into a parked car, colliding with a tree and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Bentley Continental GT.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Liability – Liability insurance can cover injuries or damage you cause to other people or property in an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like attorney fees, medical services, funeral expenses and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for bills like dental work, prosthetic devices, EMT expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage 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 coverage pays for claims such as a broken windshield, damage from getting keyed, a tree branch falling on your vehicle, vandalism and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.