2008 Bentley Continental GT Insurance Quotes – 7 Policy Discounts

I can’t think of anyone who is fond of buying car insurance, especially when they are aware that the cost is way too high.

Multiple insurance companies compete for your insurance dollar, so it’s not easy to compare every company and get the definite lowest cost out there.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these tips. Choosing the best insurance company for you is easy if you know what you’re doing. But vehicle owners must comprehend the way companies market on the web.

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Do you qualify for these seven discounts?

Car insurance companies do not list every discount they offer very well, so we researched a few of the more well known as well as the least known discounts you could be receiving when you buy insurance coverage online.

Discounts for Good Drivers – Insureds without accidents can save up to 40% or more on their insurance coverage quote on Continental GT insurance as compared to drivers with claims.
Discount for Low Mileage – Maintaining low annual mileage can earn discounted prices on garaged vehicles.
Multi-Vehicle Discounts – Insuring multiple cars or trucks on one policy could earn a price break for each car.
Multiple Policy Discount – If you can bundle your auto and home insurance and place coverage with the same company you will save at least 10% off all policies.
Club Memberships – Belonging to a qualifying organization could trigger savings on your bill.
Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
Accident Free – Good drivers with no accidents are rewarded with significantly better rates on insurance coverage quote compared to bad drivers.

Remember that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, nobody gets a free ride.

Some of the insurance companies that may have most of the discounts above include:

When quoting, ask every company to give you their best rates. Some credits may not apply to policyholders in your area. If you would like to view insurance companies that offer the discounts shown above, click this link.

Don’t assume everyone needs the same insurance coverage

When choosing proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might point out if you may require specific advice.

Why am I required to buy high-risk coverage?
How high should my uninsured/underinsured coverage be in my state?
Am I insured when driving a different vehicle?
Can my babysitter drive my car?
Should I sign the liability waiver when renting a car?
Am I covered when driving a rental car?
What happens if I owe more than my 2008 Bentley Continental GT is worth?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Auto insurance coverage breakdown

Learning about specific coverages of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are typical coverages found on most auto insurance policies.

Collision – Collision coverage will pay to fix damage to your Continental GT resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, damaging your car on a curb, crashing into a building, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, damage from flooding and falling objects. The most 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.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses for things like pain medications, prosthetic devices, rehabilitation expenses, funeral costs and doctor visits. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the 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

Auto liability – This provides protection from damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as bail bonds, medical services, emergency aid, loss of income and funeral expenses. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Better coverage you can count on

We covered many ideas to reduce 2008 Bentley Continental GT insurance rates online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your car insurance rates. Consumers may even find the best price on auto insurance is with some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and Geico.

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at an affordable rate, but do not skimp to save money.

Additional detailed information can be read in the articles below: