2008 Bentley Continental GTC Car Insurance Cost – 10 Ways to Save

Trying to find lower insurance coverage rates for your Bentley Continental GTC? Feel like you’re a prisoner to high-priced insurance coverage? Trust us when we tell you there are many drivers thinking the same thing. Insurance companies such as State Farm and Geico persitently shower you with ad campaigns and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.

Consumers should take time to get comparison quotes at least once a year since rates fluctuate regularly. Even if you think you had the lowest rate for Continental GTC insurance a year ago you can probably find a better price now. Block out anything you think you know about insurance coverage because you’re going to learn the easiest way to find lower rates on insurance coverage.

Free auto insurance price quotes

Cutting your auto insurance rates doesn’t have to be difficult. You just have to spend a few minutes comparing rates online from several insurance companies. Comparing prices online can be done in just a few minutes using one of these methods.

  • The most efficient way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This form eliminates the need for repetitive form entry to each individual auto insurance company. Completing one form gets rate comparisons from multiple companies.
  • A more time consuming way to find better pricing is to take the time to go to the website for each individual company and go through the quote process again. For sake of this example, we’ll assume you want to compare rates from State Farm, Esurance and Geico. You would have to spend time going to each site individually and repeatedly type in your coverage information, which can take a lot of time.

    To view a list of companies in your area, click here.

  • The hardest way to compare price quotes is to waste gas driving to insurance agencies in your area. Comparing rates online eliminates the need for an insurance agent unless you require the peace of mind of a local agency. If you prefer, some companies allow you to get prices online but have a local agent actually write the policy.

How you compare quotes is your choice, just do your best to use the same coverage data with every price quote. If each company quotes different deductibles it will be nearly impossible to find the best deal for your Bentley Continental GTC.

Save with with these ten discounts

Companies offering auto insurance do not advertise every possible discount in a way that’s easy to find, so the list below details both well-publicized as well as some of the hidden savings tricks you should be using when you buy insurance online. If you check and find you aren’t receiving every discount available, you may be paying too high a price.

  • Driver Safety – Participating in a course in safe driver is a good idea and can lower rates and easily recoup the cost of the course.
  • New Vehicle Savings – Adding a new car to your policy may earn a small discount because new vehicles are generally safer.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen less frequently and qualify for as much as a 10% discount.
  • Life Insurance – Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase a life insurance policy as well.
  • Professional Organizations – Being a member of qualifying clubs or civic groups can get you a small discount on your next renewal.
  • Data Collection Discounts – Policyholders that allow their car insurance company to track when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they have good driving habits.
  • Drive Safe and Save – Insureds who avoid accidents can save as much as half off their rates for Continental GTC insurance than drivers with accident claims.
  • Discount for Swiching Early – Some larger companies provide a discount for switching policies early. You could save around 10% when you buy insurance online.
  • Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Discount for Low Mileage – Driving fewer miles may enable drivers to earn substantially lower car insurancerates.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

If you would like to see a list of car insurance companies who offer car insurance discounts, click here to view.

Your situation helps dictate your coverage

When choosing the best auto insurance coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you might need professional guidance.

  • Am I getting all the discounts available?
  • I have health insurance so do I need medical payments coverage?
  • When should I drop full coverage on my 2008 Bentley Continental GTC?
  • Are rental cars covered under my policy?
  • If my 2008 Bentley Continental GTC is totaled, can I afford another vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • Do all my vehicles need collision coverage?
  • Can I drive in Mexico and have coverage?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Auto insurance coverages and their meanings

Knowing the specifics of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types available from auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for surgery, dental work and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This coverage will pay to fix 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 coverage protects against claims like hitting a deer, damage from flooding and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage – Liability insurance will cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as medical services, emergency aid, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Collision coverage – Collision coverage covers damage to your Continental GTC from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, backing into a parked car, colliding with a tree, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

At the end of the day…

You just read a lot of techniques to reduce 2008 Bentley Continental GTC insurance premium rates online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest premium rates are with a small mutual company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, Geico and Progressive.

When shopping online for car insurance, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced full coverage only to discover later they didn’t purchase enough coverage. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Much more information about car insurance is available below: