Cheaper 2009 Bentley Continental GTC Insurance Quotes

If you are new to online insurance, most likely you are overwhelmed due to the large selection of companies who claim to have the best insurance rates.

It’s a good idea to shop coverage around before your policy renews because insurance prices change quite often. Even if you got the best deal for Continental GTC coverage a year ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding insurance on the web, but we’re going to give you some good information on how to lower your insurance bill.

Buy car insurance online

All the larger car insurance companies such as Allstate and Progressive make it easy to get prices direct online. Doing online quotes is quite easy as you just type in your coverage information into a form. When the form is submitted, their quoting system collects your driving and credit reports and generates pricing information.

Online price estimates makes it easy to compare insurance prices but the time required to go to several different sites and type in your information can be a bit repetitive. But it’s absolutely necessary to do this if you want to find the lowest price.

There is a better way!

An easier way to lower your car insurance bill utilizes a single form to obtain quotes from several different companies. The form is fast, requires much less work on your part, and makes price shopping online much more enjoyable. After your information is entered, your coverage is rated and you can choose your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The entire process only takes a few minutes and could lower your rates considerably.

To compare rates now, click here to open in a new tab and enter your vehicle and coverage information. If you have your current policy handy, we recommend that you enter the coverage information identical to your current policy. Doing this guarantees you are getting rate comparison quotes for the exact same coverage.

Insurance rates and discounts

Not many people think insurance is cheap, but companies offer discounts that can drop the cost substantially. Many discounts should be triggered when you purchase, but a few must be asked about before being credited. If you do not double check each discount you deserve, you could be paying more than you need to.

• Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.
• Multi-policy Discount – If you can combine your auto and home policy with the same company they may give you a discount of up to 20% and get you cheap car insurance.
• Clubs and Organizations – Being a member of a qualifying organization is a simple method to lower premiums on insurance.
• Data Collection Discounts – Drivers who elect to allow their company to analyze driving manner by installing a telematics device such as State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
• Seat Belt Usage – Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

Large insurance companies and a summarized list of policyholder discounts are shown below.

• Farm Bureau policyholders can earn discounts including good student, renewal discount, driver training, multi-vehicle, youthful driver, and multi-policy.
• MetLife offers discounts including good student, claim-free, accident-free, good driver, and defensive driver.
• Progressive offers discounts for online signing, continuous coverage, good student, online quote discount, multi-policy, and multi-vehicle.
• AAA has savings for good student, anti-theft, multi-car, education and occupation, and multi-policy.
• American Family offers premium reductions for Steer into Savings, air bags, TimeAway discount, early bird, multi-vehicle, and accident-free.
• Geico may offer discounts for military active duty, multi-vehicle, good student, anti-lock brakes, and daytime running lights.
• State Farm discounts include accident-free, good student, multiple autos, anti-theft, Drive Safe & Save, and driver’s education.

If you want affordable car insurance quotes, ask each company which credits you are entitled to. All car insurance discounts may not apply to policies in your area.

Situations that may require an agent’s advice

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

These are some specific questions may help you determine whether you will benefit from professional help.

• I have health insurance so do I need medical payments coverage?
• Am I insured when driving a different vehicle?
• Is extra glass coverage worth it?
• Am I covered when driving in Canada or Mexico?
• How high should deductibles be on a 2009 Bentley Continental GTC?
• What is medical payments coverage?
• Should I bundle my homeowners policy with my auto?
• Is my custom paint covered by insurance?
• Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverage basics

Having a good grasp of a auto insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, damage from flooding, hitting a deer and fire damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability – Liability coverage protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover 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. As an example, you may have limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like court costs, loss of income, bail bonds, structural damage and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Bentley Continental GTC.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, hitting a parking meter, sustaining damage from a pot hole, sideswiping another vehicle and damaging your car on a curb. 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.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as rehabilitation expenses, ambulance fees, doctor visits, EMT expenses and nursing services. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible