Save on 2010 Bentley Continental GTC Insurance Rates

Trying to find the cheapest car insurance rates for your Bentley Continental GTC? Tired of scraping nickels together to pay car insurance each month? You have the same problem as most other people.

There are many insurance companies to choose from, and although it’s a good thing to have multiple companies, more options can take longer to compare rates and cut insurance costs.

Consumers should take time to compare premium rates at least once a year because car insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price on Continental GTC coverage two years ago other companies may now be cheaper. You can search a lot of car insurance online, but you can learn a lot of great tips on how to lower your car insurance bill.

How to compare auto insurance rate quotes

There are a variety of methods to compare auto insurance prices but one way is more efficient than others. You could spend your day driving to insurance companies in your area, or you could use online quoting to get prices fast.

Most car insurance companies participate in a marketplace where prospective buyers send in one quote, and each company returns a rated price for coverage. This eliminates the need for quote forms for each company you want a rate for.

To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to pricing coverage this way is buyers cannot specifically choose which companies you want pricing from. So if you want to choose specific insurance companies to compare, we have assembled a list of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, make sure you are using equivalent coverage limits on every price quote you get. If your comparisons have higher or lower deductibles it will be nearly impossible to make an equal comparison. Having just a slight variation in limits could skew the results. And when quoting auto insurance, remember that getting more free quotes will improve the odds of getting the best rates.

Save with with these discounts

Companies don’t necessarily list all disounts very clearly, so the list below gives a summary of some of the more common as well as some of the hidden discounts that you can inquire about if you buy insurance online.

  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn lower car insurancerates if you buy life insurance.
  • Safety Restraint Discount – Requiring all passengers to fasten their seat belts could save 15% on the medical payments or PIP coverage costs.
  • 55 and Retired – If you’re over the age of 55, you can get a discount up to 10% on Continental GTC coverage.
  • Smart Student Discounts – Excelling in school may save you up to 25%. The discount lasts well after school through age 25.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and will qualify for a discount on a insurance quote.
  • Low Mileage Discounts – Keeping the miles down on your Bentley could be rewarded with slightly better prices than normal.
  • Active Service Discounts – Being deployed with a military unit could mean lower premium rates.

Don’t be shocked that some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

To find insurers that can offer you the previously mentioned discounts, click here.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Every situation is different so this has to be addressed. Here are some questions about coverages that can help discover if you may require specific advice.

  • Does my policy cover my teen driver if they drive my company car?
  • Does my insurance cover my expensive audio equipment?
  • I have health insurance so do I need medical payments coverage?
  • Is my ex-spouse still covered by my policy?
  • Do I need to file an SR-22 for a DUI in my state?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

How do car insurance companies determine Bentley Continental GTC insurance costs?

Lots of things are part of the equation when pricing auto insurance. A few of the factors are predictable like your driving record, but other criteria are more transparent such as your marital status or your financial responsibility.The best way to find cheaper auto insurance is to take a look at the factors that aid in calculating the rates you pay for auto insurance. If you understand what determines premiums, this enables you to make decisions that will entitle you to lower auto insurance prices.

The following are some of the major factors used by insurance companies to determine rates.

  • You might pay more if you are single – Having a significant other can get you a discount when shopping for auto insurance. Marriage usually means you are more financially stable and insurance companies reward insureds because married couples file fewer claims.
  • Does insurance coverage cost more for males? – The statistics show that females take fewer risks when driving. This data doesn’t prove that females are better drivers. Males and females have at-fault accidents at about the same rate, but men tend to have higher claims. Men also tend to have more aggressive citations like driving under the influence (DUI).
  • Gaps in coverage mean higher premiums – Going without insurance will be a guaranteed way to bump up your auto insurance costs. In addition to paying higher premiums, the inability to provide proof of insurance could result in fines or a revoked license.
  • With age comes lower prices – Older drivers are shown to be more cautious, tend to file fewer claims and are safer drivers.Inexperience drivers are statistically shown to be easily distracted when behind the wheel so they pay higher auto insurance rates.
  • Extra coverages can add up – There are many add-on coverages you can purchase if you aren’t diligent. Coverage for things like personal injury protection, better glass coverage, and Farm Bureau memberships are some examples. You may think they are a good idea at first, but if you’ve never needed them in the past remove them from your policy.
  • Use one insurance company and save – The majority of insurers apply lower prices to buyers who have multiple policies with them, otherwise known as a multi-policy discount. This can amount to ten or even fifteen percent. Even with this discount, it’s still a good idea to compare rates to guarantee you are still saving the most. Drivers may still save even more even if you have your coverage with different companies

Do drivers who switch really save?

Insurance coverage providers like Allstate, Geico and Progressive seem to constantly run television and radio advertisements. They all advertise claims about how much you will save after switching your coverage to them. How can each company save you money? It’s all in the numbers.

Insurance providers quote the lowest rates for the type of insured that earns them the highest profit. For instance, this type of insured could be over the age of 40, has had continuous coverage, and drives less than 7,500 miles a year. Anybody that hits that “sweet spot” will qualify for the lowest car insurance rates and is almost guaranteed to save a lot if they switch.

Potential insureds who may not quite match those standards will be quoted more expensive rates which translates to the customer not purchasing. The ads state “people that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can lure you into getting a quote. Because of the profiling, drivers must compare as many free insurance quotes as you can. It’s impossible to know which insurance companies will have the best premium rates.

What insurance coverages do you need?

Knowing the specifics of insurance aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses like doctor visits, chiropractic care, prosthetic devices, surgery and EMT expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, rock chips in glass and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

This coverage covers damage to your Continental GTC resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, driving through your garage door, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for liability

Liability coverage will cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things such as legal defense fees, structural damage, loss of income, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 2010 Bentley Continental GTC.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Be a penny pincher

Cost effective 2010 Bentley Continental GTC insurance can be purchased both online as well as from insurance agents, so you need to quote insurance with both so you have a total pricing picture. There are still a few companies who don’t offer rate quotes online and many times these regional insurance providers prefer to sell through independent insurance agencies.

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed collision coverage only to discover later they didn’t have enough coverage. The goal is to buy enough coverage at a price you can afford while still protecting your assets.

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