2010 Bentley Continental GT Car Insurance Quotes

Searching for cheaper insurance for your Bentley Continental GT can turn out to be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to buy insurance coverage so we’re going to tell you the quickest way to quote coverages for a Bentley and find the best price possible from both online companies and local agents.

Finding the best rates is quite easy. If you have insurance now or need a new policy, you can use these techniques to find better prices while maximizing coverage. Drivers just need to understand how to find the lowest price on the web.

The best way to compare insurance rates from multiple companies utilizes the fact most of the larger companies will pay a fee to provide you with a free rate quote. The one thing you need to do is take a few minutes to give details like whether you have decent credit, whether you are single or married, deductibles desired, and the type of vehicles you drive. The data is instantly submitted to multiple auto insurance providers and they return cost estimate instantly.

Can you really save $476 a year?

Consumers can’t get away from all the ads that claim the lowest rates from the likes of 21st Century, Allstate and State Farm. All the companies seem to make the promise about savings if you change your policy.

How does every car insurance company claim to save you money? Here is the trick they use.

Many companies quote their cheapest rates for the right customer that earns them a profit. An example of a profitable customer could possibly be between 30 and 50, has never had a policy lapse, and does not commute to work. Anyone who matches those parameters will probably get the lowest auto insurance rates and as a result will probably save some money.

Drivers who don’t measure up to the requirements will be charged higher premium rates which results in the customer not buying. The trick companies use is to say “people who switch” but not “all drivers who get quotes” save that much. This is how insurance companies can make claims that they all have the best auto insurance rates. This emphasizes why you really should compare many company’s auto insurance rates. It is just not possible to predict which company will have the lowest rates.

How do insurance companies determine Bentley Continental GT insurance premiums?

When buying car insurance it’s important to understand some of the elements that aid in calculating the level of your policy premiums. If you know what impacts premium levels, this enables you to make decisions that can help you get better car insurance rates.

  • Amount of liability insurance – The liability coverage on your policy is the coverage that protects you in the event that you are determined to be liable for causing damage or personal injury in an accident. It will provide you with a defense in court which can be incredibly expensive. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Male rates may be higher – Over time, data shows that women are safer drivers than men. Now that doesn’t mean females are better drivers. They both get in auto accidents at about the same rate, but the males tend to have more serious accidents. Men also tend to get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Young males have the highest risk to insure and thus pay the highest rates.
  • Multi-policy discounts can save money – Many car insurance companies allow discounts to people that purchase more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, consumers should still comparison shop to help guarantee you have the best rates.
  • Vehicles with better crash test results mean better prices – Cars with high safety ratings get lower rates. These vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates directly to fewer claims and lower rates for you.
  • Raise comp and collision deductibles and save – Deductibles for physical damage tell how much you are required to spend if you file a covered claim. Insurance for physical damage to your car, aka comp and collision, covers damage that occurs to your car. Examples of some claims that would be covered are colliding with a stationary object, vandalism, and damage caused by road hazards. The more damage repair cost you are required to pay out-of-pocket, the less your car insurance will be for Continental GT insurance.
  • Policy add-ons add up – Insurance companies have many optional add-on coverages that can add up on your 2010 Continental GT policy. Insurance for vanishing deductibles, high-cost glass coverage, and term life insurance may be wasting your money. The coverages may be enticing when talking to your agent, but if you don’t need them remove them from your policy.
  • Teen drivers are expensive to insure – Beginning drivers are statistically shown to be inattentive and easily distracted when behind the wheel so car insurance rates are higher. Adding a young driver to your policy can be very expensive. More mature drivers are viewed as being more responsible, file fewer claims and tend to be get fewer driving tickets.
  • File a claims and pay more – Insurance companies give cheaper rates to drivers that do not abuse their auto insurance. If you’re an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for claims that pose a financial burden.

Cheap insurance coverage rates with discounts

Insurance coverage is not inexpensive, but companies offer discounts to reduce the price significantly. Many discounts should be triggered at the time of quoting, but some may not be applied and must be specifically requested before they will apply.

  • Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive so you can save 10 percent or more.
  • Early Renewal Discounts – Some larger companies give discounts for switching policies before your current coverage expires. You may see this discount when you get car insurance quotes online.
  • Accident-Free Discounts – Drivers who don’t have accidents pay less in comparison to drivers who are more careless.
  • Discounts for Federal Employees – Federal government employees may reduce rates when you quote car insurance for Continental GT insurance with some insurance coverage companies.
  • Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid the installment charge.
  • Discount for Good Grades – Getting good grades may save as much as 25% on a car insurance quote. This discount can apply up until you turn 25.
  • Service Members Pay Less – Being on active deployment in the military may lower your rates slightly.
  • Fewer Miles Equal More Savings – Driving fewer miles may allow you to get lower premium rates on the low mileage vehicles.
  • Student in College – Kids living away from home attending college and won’t have access to an insured vehicle may be able to be covered for less.
  • Auto/Life Discount – Larger insurance coverage companies have lower prices if you buy some life insurance too.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

Some of the insurance companies that may offer policyholders most of these discounts include:

Before you buy a policy, ask each company or agent which discounts can lower your rates. Savings may not be offered everywhere.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether you may require specific advice.

  • What is the difference between comprehensive and collision coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How can I find cheaper teen driver insurance?
  • How high should my medical payments coverage be?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when pulling a rental trailer?
  • Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Auto insurance coverages 101

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability – Liability coverage will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like medical services, emergency aid, funeral expenses, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive auto coverage – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision insurance will pay to fix damage to your Continental GT caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses such as hospital visits, X-ray expenses, nursing services and doctor visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Have the Midas touch

People change insurance companies for a variety of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, policy non-renewal and policy cancellation. Regardless of your reason, switching car insurance companies is actually quite simple.

There are still a few companies who may not offer internet price quotes regional carriers sell through independent agencies. Cheap 2010 Bentley Continental GT insurance is available online and with local insurance agents, so compare prices from both to have the best chance of lowering rates.

When you buy car insurance online, you should never buy poor coverage just to save money. In many instances, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.

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