2012 Bentley Continental GTC Insurance Quotes – 6 Tips for Cheaper Rates

Looking for lower car insurance rates for your Bentley Continental GTC? Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you many consumers are in the same pinch. Drivers have multiple car insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it can be more difficult to find the lowest cost provider.

You should make it a habit to shop coverage around occasionally because prices go up and down regularly. Just because you had the best deal on Continental GTC insurance a few years ago you can probably find a better rate quote now. Ignore everything you know about car insurance because I’m going to teach you the only way to save on car insurance.

Buying car insurance is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Vehicle owners just need to learn the best way to compare price quotes online.

Where can I get cheap insurance?

All the larger insurance companies like Progressive, Geico, Allstate and State Farm give prices for coverage on their websites. Comparing rates online is easy for anyone as you simply enter your coverage preferences into a form. Once you submit the form, their system gets reports for credit and driving violations and returns a price based on these and other factors. Online price estimates streamlines rate comparisons, but the process of having to visit multiple sites and type in your information is a waste of time. But it’s absolutely necessary to have as many quotes as possible in order to get the best price possible.

The quickest way to find cheaper rates makes use of a single form that gets prices from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes price shopping online much more enjoyable and efficient. After sending the form, it gets priced and you can choose your choice of the price quotes you receive. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. This process takes 15 minutes at the most and you’ll know if lower rates are available.

If you want to compare rates using this form now, click here and input your coverage information. If you have a policy now, it’s recommended you complete the form with your coverages as shown on your current policy. This makes sure you are getting rate comparison quotes using the exact same coverages.

Don’t listen to company ads

Consumers can’t get away from ads for car insurance savings by Progressive, Geico, Allstate and State Farm. They all seem to make the same claim that drivers will save a bundle just by moving your car insurance policy to them.

Is it even possible that every company can offer drivers better rates? It’s all in the numbers.

All the different companies can use profiling for the right customer that will be a good risk. An example of a profitable customer may need to be between the ages of 40 and 55, has no claims, and has a high credit rating. Anybody that hits that “sweet spot” will get very good rates and will cut their rates substantially.

Consumers who fall outside these criteria will be quoted higher premiums and this can result in business going elsewhere. If you pay attention, the ads say “customers who switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can truthfully make claims that they all have the best auto insurance rates. That is why it’s extremely important to get auto insurance quotes from several different companies. It’s impossible to know which insurance companies will fit you best based on your risk profile.

Insurance coverage discounts help slash rates

Insurance coverage is not an enjoyable expense, but you may qualify for discounts to help bring down the price. Most are applied at the time of quoting, but less common discounts must be inquired about before you get the savings. If you don’t get every credit possible, you may be paying too high a price.

  • Good Student – Getting good grades could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
  • Early Renewal Discounts – Some larger companies give discounts for switching to them prior to your current policy expiring. It could save around 10% when you buy auto insurance online.
  • Student Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course if it’s offered in school.
  • New Vehicle Savings – Putting coverage on a new car can save up to 30% because new model year vehicles keep occupants safer.
  • Data Collection Discounts – Drivers that enable driving data submission to scrutinize driving patterns by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they show good driving skills.
  • Payment Discounts – By paying your entire bill at once rather than paying monthly you could save 5% or more.

One thing to note about discounts is that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Large insurance coverage companies and their offered discounts can be found below.

  • Travelers offers discounts including payment discounts, new car, good student, save driver, multi-policy, hybrid/electric vehicle, and continuous insurance.
  • 21st Century includes discounts for driver training, student driver, air bags, teen driver, early bird, theft prevention, and defensive driver.
  • State Farm may include discounts for defensive driving training, multiple autos, good driver, safe vehicle, and student away at school.
  • Geico offers premium reductions for multi-policy, daytime running lights, federal employee, multi-vehicle, and anti-lock brakes.
  • SAFECO may have discounts that include teen safe driver, safe driver, anti-theft, multi-car, accident prevention training, and drive less.
  • AAA has discounts for AAA membership discount, multi-car, education and occupation, anti-theft, good driver, and pay-in-full.

Double check with all the companies the best way to save money. Depending on the company, some discounts might not be available to policyholders in your area. To locate insurers with significant discounts, click here.

Which is the best auto insurance?

When choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • When should I remove comp and collision on my 2012 Bentley Continental GTC?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What are the financial responsibility laws in my state?
  • Do I need roadside assistance coverage?
  • Should I have a commercial auto policy?
  • Is my 2012 Bentley Continental GTC covered for smoke damage?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

What car insurance coverages do you need?

Understanding the coverages of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average car insurance policy.

Auto liability

This coverage will cover damage that occurs to other’s property or people that is your fault. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

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. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like loss of income, bail bonds, emergency aid and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like nursing services, hospital visits, surgery and ambulance fees. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive car insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, damage from a tornado or hurricane, hail damage, falling objects and rock chips in glass. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your 2012 Bentley Continental GTC.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage

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

Collision can pay for things such as colliding with another moving vehicle, sideswiping another vehicle, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Money doesn’t grow on trees

A few companies may not provide rates over the internet and many times these smaller companies sell through independent insurance agents. More affordable insurance can be sourced from both online companies as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from.

When getting auto insurance quotes online, never skimp on coverage in order to save money. There are too many instances where an insured dropped full coverage only to regret that the savings was not a smart move. Your goal is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

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