Lower Your 2011 Bentley Continental GTC Speed Insurance Quotes

Searching for the cheapest car insurance rates for your Bentley Continental GTC Speed? Are you burned out from robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than many other vehicle owners. Insurance companies such as Allstate, Progressive and Geico continually bombard you with catchy ads and it is difficult to not get sucked in by the cute commercials and find the best price available.

It’s a great practice to get comparison quotes before your next renewal since prices go up and down regularly. Just because you found the best deal for Continental GTC Speed coverage six months ago you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re going to get a crash course in the right way to find lower rates on car insurance.

Insurance coverage companies offer many types of discounts

Insurance coverage is not cheap nor is it fun to buy but you may find discounts that many consumers don’t even know exist. Most are applied when you quote, but some may not be applied and must be asked about in order for you to get them. If you aren’t receiving every discount possible, you may be paying too high a price.

  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Accident Waiver – This one isn’t a discount, but a handful of insurance companies may permit one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Early Renewal Discounts – Some insurance coverage companies reward drivers for switching policies prior to your current policy expiration. You may see this discount when you get insurance quotes online.
  • Driver Training Discounts – Completing a safe driver course could earn you a small percentage discount if you qualify.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more on the medical payments or PIP coverage costs.
  • Discount for Multiple Policies – When you have multiple policies with the same company you may save at least 10% off all policies.

One thing to note about discounts is that some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So even though you would think you can get free auto insurance, you aren’t that lucky.

Auto insurance companies that may offer many of the previously listed discounts possibly include:

If you need lower rates, check with every insurance company to give you their best rates. A few discounts might not be offered on policies everywhere.

Free car insurance quotes

There are a lot of ways you can shop for car insurance and some are easier and takes less work. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you can utilize the web to get rates in a matter of minutes.

Many popular insurance companies enroll in a system where prospective buyers enter their coverage request one time, and at least one company can give them a price based on that information. This prevents consumers from doing quote requests for every car insurance company. To compare pricing click here (opens in new window).

The single downside to pricing coverage this way is you cannot specify which providers to get quotes from. If you wish to select specific insurance companies to compare prices, we have a page of companies who write car insurance in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make sure you are using equivalent coverage limits for each quote you get. If you use higher or lower deductibles it’s not possible to make an equal comparison.

Why your insurance rates might be higher

Many things are used when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but other criteria are less apparent like your continuous coverage or your vehicle rating.

Listed below are some of the things utilized by car insurance companies to help set your rate level.

  • You may save more by bundling policies – The majority of insurance companies will award a discount for people that have more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to get quotes from other companies to make sure you are getting the best deal.
  • No coverage gaps is important – Not maintaining insurance is not a good idea and you may have a hard time finding new coverage because you let your coverage have a gap. In addition to paying higher premiums, failure to provide proof of insurance could result in a revoked license or a big fine.
  • Your location is important – Being located in a small town has definite advantages when insuring your vehicles. Drivers in populated areas tend to have more traffic problems and more time behind the wheel. Less people means less chance of accidents in addition to lower liability claims
  • Low physical damage deductibles mean high rates – Comp and collision deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims could be colliding with a stationary object, damage caused by hail, and damage from wind. The more of the claim the insured has to pay upfront, the lower your rates will be for Continental GTC Speed coverage.
  • Lower premiums for cars with good safety ratings – Vehicles with high crash test scores tend to have better insurance rates. Vehicles engineered for safety reduce the chance of injuries and fewer serious injuries means your insurance company pays less and thus lower rates. If the Bentley Continental GTC Speed is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Limits of liability protection – The liability coverage on your policy kicks in if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to comp and collision, so do not skimp.
  • Is your vehicle theft-ready? – Buying a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft and help lower rates.
  • Cheap car insurance rates for being claim-free – If you tend to file frequent claims, don’t be surprised to see either higher rates or even cancellation. Insurance companies generally give most affordable rates to drivers who do not file claims often. Your insurance policy is designed for claims that pose a financial burden.

Do I just need basic coverages?

When it comes to buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might help in determining if your insurance needs might need professional guidance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Does liability extend to a camper or trailer?
  • Do I need motorclub coverage?
  • Should I buy only the required minimum liability coverage?
  • Exactly who is provided coverage by my policy?
  • Why am I required to buy liability insurance?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Auto insurance coverages 101

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are the usual coverages offered by auto insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like surgery, dental work, prosthetic devices and hospital visits. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Liability insurance

Liability coverage can cover damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like court costs, bail bonds, emergency aid and structural damage. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, hitting a deer, fire damage, a broken windshield and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Bentley Continental GTC Speed.

Because many people 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. Frequently these limits are identical to your policy’s liability coverage.

Money doesn’t grow on trees

When you buy insurance online, never buy less coverage just to save a little money. In too many instances, someone dropped physical damage coverage and learned later that they should have had better coverage. Your objective should be to buy enough coverage at the best possible price while still protecting your assets.

We’ve covered a lot of tips how to save on 2011 Bentley Continental GTC Speed insurance. The key thing to remember is the more times you quote, the better your chances of lowering your prices. Drivers may discover the best price on insurance is with a small mutual company. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Geico and State Farm.

Cheaper insurance can be sourced from both online companies as well as from insurance agents, so you need to quote insurance with both so you have a total pricing picture. Some insurance companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent agencies.

Additional information