2012 Bentley Continental GT Insurance Quotes

When searching for more affordable insurance, do you get frustrated by the crazy number of insurance coverage providers that you can choose from? Drivers have such a large number of options that it can turn into a chore to compare premium rates.

How to compare free insurance coverage quotes

To find affordable auto insurance quotes, there are several ways to obtain and compare prices from different companies. The best method to find affordable Bentley Continental GT insurance rates is to jump online and get quotes. This is very easy and can be done in several different ways.

  1. The recommended way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This type of form prevents you from having to do boring form submissions for every insurance coverage company. In just a few minutes this one form compares rates direct from many companies. Just one form and you’re done.
  2. A less efficient way to get quotes online requires a trip to each individual company website to request a price quote. For example, we’ll assume you need rates from USAA, Farmers and Allstate. You would be required to go to each individual site and punch in your information repeatedly, which is not fast way to get rate quotes.

    For a list of companies in your area, click here.

Whichever way you choose to compare rates, ensure you are comparing the same coverage information on every quote. If your comparisons have different liability limits it’s not possible to find the best deal for your Bentley Continental GT. Having just a slight variation in insurance coverages or limits can make a big difference in price. Just keep in mind that making a lot of price comparisons helps increase your odds of locating the best rates. Some insurance companies are not set up to provide online quotes, so you need to compare prices from those companies as well.

Lower-cost auto insurance quotes with discounts

Not too many consumers would say auto insurance is affordable, but there are discounts available that you may not know about. Many discounts should be triggered at the time of quoting, but once in a while a discount must be requested specifically prior to getting the savings.

  • Driver Education Discount – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Discounts for Cautious Drivers – Accident-free drivers can save up to 40% or more on their auto insurance quote for Continental GT coverage as compared to drivers with claims.
  • Waiver for an Accident – This isn’t a discount exactly, but companies like State Farm and Geico will allow you to have one accident before they charge you more for coverage so long as you haven’t had any claims for a set time period.
  • Early Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
  • Multiple Cars – Buying coverage for several vehicles on one policy could earn a price break for each car.

Discounts lower rates, but most of the big mark downs will not be given the the whole policy. Most only reduce individual premiums such as collision or personal injury protection. Even though it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

Popular auto insurance companies and some of their more popular discounts can be read below.

  • The Hartford includes discounts for vehicle fuel type, bundle, defensive driver, air bag, and good student.
  • American Family may include discounts for bundled insurance, defensive driver, good driver, air bags, and Steer into Savings.
  • Progressive offers discounts including multi-policy, online quote discount, good student, multi-vehicle, and online signing.
  • Travelers discounts include early quote, continuous insurance, driver training, multi-car, hybrid/electric vehicle, and home ownership.
  • Farmers Insurance has savings for homeowner, teen driver, distant student, early shopping, multi-car, business and professional, and alternative fuel.
  • USAA offers discounts for loyalty savings, new vehicle, good student, multi-vehicle, and multi-policy.
  • Liberty Mutual may have discounts that include teen driver discount, hybrid vehicle, good student, new move discount, new graduate, and exclusive group savings.

Before you buy a policy, ask every prospective company how many discounts you can get. Some of the discounts discussed earlier may not be available in your state. For a list of insurance companies that offer the discounts shown above, follow this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • I don’t drive much so do I pay less?
  • What exactly is covered by my policy?
  • Can I afford to buy a different vehicle if my 2012 Bentley Continental GT is totaled?
  • Should I put collision coverage on all my vehicles?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverages 101

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Bentley Continental GT.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for liability – This can cover damage that occurs to other’s property or people in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as structural damage, legal defense fees, funeral expenses and medical services. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – Collision coverage will pay to fix damage to your Continental GT resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like surgery, EMT expenses and hospital visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, vandalism, a broken windshield and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

At the end of the day…

People leave their current company for a number of reasons such as delays in responding to claim requests, policy cancellation, unfair underwriting practices or policy non-renewal. Regardless of your reason for switching companies, switching insurance coverage companies is less work than it seems.

Lower-priced insurance coverage can be bought both online and also from your neighborhood agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some companies may not provide online rate quotes and most of the time these small, regional companies work with local independent agencies.

We’ve covered many tips how you can compare 2012 Bentley Continental GT insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Consumers could even find that the best price on insurance coverage is with a lesser-known regional company.

More detailed insurance coverage information can be found in the articles below: