View 2007 Bentley Continental GT Car Insurance Cost

Are you burned out from robbing Peter to pay Paul to insure your Bentley every month? You have the same problem as millions of other consumers. Since you have so many choices, it can be challenging to locate the right company.

Why you might pay higher rates

Part of the car insurance buying process is learning the factors that are used to determine your policy premiums. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you lower rates.

  • Traffic violations hurt – Having a clean driving record impacts your car insurance rates tremendously. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Having just one speeding ticket or other violation can boost insurance rates twenty percent or more. Drivers who have gotten multiple citations like hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 form with their state’s licensing department in order to continue driving.
  • Better rates for no policy lapses – Not maintaining insurance is a big no-no and you will pay a penalty because you let your coverage cancel without a new policy in place. And not only will your rates increase, getting caught without coverage may result in a revoked license or a big fine. You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Premiums for males may be higher – Over the last 50 years, statistics have shown females are less aggressive when driving. That doesn’t necessarily mean that females are better drivers. Both sexes get in auto accidents in similar percentages, but men cause more damage. Men also statistically receive more costly citations like reckless driving and DUI.
  • Discounts for theft deterrents – Choosing to buy a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft and help bring rates down.
  • Do safer cars cost less to insure? – Vehicles with high crash test scores tend to be cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your Bentley Continental GT is rated at least four stars on Safercar.gov it may cost less to insure.
  • Cheaper car insurance rates for being claim-free – Companies award the lowest premiums to policyholders who do not file claims often. If you are the type of insured that files lots of claims you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for claims that pose a financial burden.

Don’t overlook these insurance discounts

Not many people think insurance is cheap, but there are discounts available that can dramatically reduce your bill. Certain discounts will be triggered automatically when you purchase, but some need to be asked about prior to getting the savings. If you do not check that you are getting every discount you qualify for, you are not getting the best rate possible.

  • Sign Early and Save – Some larger companies give discounts for renewing your policy prior to the expiration date on your current policy. You may see this discount when you get car insurance quotes online.
  • 55 and Retired – Drivers over the age of 55 may receive a small discount on rates on Continental GT coverage.
  • ABS Brakes – Vehicles with ABS and/or traction control can reduce accidents and will save you 10% or more.
  • E-sign – Some of the larger companies may give you up to $50 simply for signing online.
  • Accident Waiver – This one is not really a discount per se, but some companies like Liberty Mutual, Allstate and State Farm will forgive one accident without the usual rate increase if your claims history is clear before the accident.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

If you would like to choose from a list of insurance companies with discount insurance rates, follow this link.

When to get professional advice

When it comes to choosing the best insurance coverage coverage, there really is no one size fits all plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • Who is covered when they drive my 2007 Bentley Continental GT?
  • Am I covered when pulling a rental trailer?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered if I hit a deer?
  • Is my nanny covered when driving my vehicle?
  • When does my teenage driver need to be added to my policy?
  • Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Information about specific coverages

Understanding the coverages of insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, a tree branch falling on your vehicle and damage from flooding. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability

Liability insurance will cover injuries or damage you cause to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values 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 $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as emergency aid, repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Bentley Continental GT.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision insurance

Collision insurance will pay to fix damage to your Continental GT caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like X-ray expenses, chiropractic care, nursing services, rehabilitation expenses and hospital visits. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Spend less. Save more.

We’ve covered some good ideas how to compare 2007 Bentley Continental GT insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest car insurance rates are with some of the smallest insurance companies. Smaller companies often have lower premium rates on specific markets than the large multi-state companies such as Progressive or Geico.

More affordable insurance can be sourced on the web in addition to local insurance agencies, so you need to quote car insurance with both to have the best rate selection. There are still a few companies who do not offer online rate quotes and most of the time these smaller providers only sell coverage through local independent agencies.

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