View 2014 Bentley Continental GT Speed Convertible Car Insurance Quotes

Buyers have many options when searching for the lowest priced Bentley Continental GT Speed Convertible insurance. They can either waste time driving around trying to get quotes or utilize the internet to find the lowest rates. There is a better way to find car insurance online so we’re going to tell you the absolute fastest way to get price quotes for your Bentley and obtain the best price possible from local insurance agents and online providers.

Smart consumers take time to check car insurance prices periodically due to the fact that insurance rates change quite often. Despite the fact that you may have had the best rate for Continental GT Speed Convertible coverage a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to one of the best ways to properly buy coverages while reducing your premium.

Buy Bentley Continental GT Speed Convertible insurance at a discount

Consumers need to have an understanding of the different types of things that help determine your policy premiums. When you know what positively or negatively influences your rates, this enables informed choices that may result in cheaper rates.

The items below are just a few of the factors used by your company to calculate your premiums.

  • More people means more accidents – Residing in a small town can save you money when insuring your vehicles. Less people translates into fewer accident claims. City drivers tend to have more traffic problems and more severe claims. The longer drive time means a statistically higher chance of an accident.
  • Single drivers may pay higher premiums – Being married can actually save you money when shopping for insurance. Having a spouse translates into being more financially stable and statistics prove married couples file fewer claims.
  • Responsible credit means lower premiums – Having a bad credit score is a large factor in calculating your premium rate. So if your credit score leaves room for improvement, you could save money insuring your 2014 Bentley Continental GT Speed Convertible by taking the time to improve your credit score. Drivers who have high credit ratings tend to be more responsible than drivers who have worse credit.
  • Drive less and save – The higher the miles on your Bentley in a year’s time the more you’ll pay to insure it. Almost all companies calculate prices based upon how the vehicle is primarily used. Cars that have low annual miles can get a lower rate than vehicles that are driven to work every day. Having the wrong rating on your Continental GT Speed Convertible can cost quite a bit. Ask your agent if your insurance policy properly reflects annual mileage, because improper ratings can cost you money.
  • Low comp and collision deductibles cost more – Physical damage deductibles tell how much you are required to pay before a claim is paid by your company. Coverage for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of claims that would be covered could be a windshield broken by a bird, damage from fire, or theft of your vehicle. The more money you choose to pay out-of-pocket, the less money you will pay for insurance for Continental GT Speed Convertible coverage.

Slash your insurance coverage rates with discounts

Not many people think insurance is cheap, but you might already qualify for some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be specifically requested before being credited.

  • Good Driver Discounts – Drivers without accidents may save up to 50% more for Continental GT Speed Convertible coverage than drivers with accident claims.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to the expiration date on your current policy. This can save 10% or more.
  • Life Insurance – If the company offers life insurance, you could get a discounted rate on car insurance if you buy a life policy as well.
  • Professional Organizations – Joining qualifying clubs or civic groups may earn a discount when shopping for insurance coverage.
  • Driver Safety – Passing a course teaching defensive driving skills may get you a small discount and easily pay for the cost of the class.
  • Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
  • Good Student – Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.

Policy discounts save money, but some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, it just doesn’t work that way.

To choose providers with significant discounts, click this link.

You are unique and your insurance coverage should be too

When choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions may help highlight if your insurance needs could use an agent’s help.

  • Does my personal policy cover me when driving out-of-state?
  • What is UM/UIM insurance?
  • Am I covered when driving a rental car?
  • What is roadside assistance coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my insurance cover my expensive audio equipment?
  • Is my Bentley Continental GT Speed Convertible covered if I use it for business?
  • Am I covered if I crash into my own garage door?
  • Is extra glass coverage worth it?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, sideswiping another vehicle, hitting a parking meter, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, damage from getting keyed, falling objects, damage from a tornado or hurricane and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses for things like prosthetic devices, surgery, nursing services and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability coverages

This coverage can cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: 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 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as structural damage, legal defense fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Better coverage you can count on

People leave their current company for many reasons like high rates after DUI convictions, extreme rates for teen drivers, unfair underwriting practices and even policy non-renewal. Whatever your reason, switching companies can be easy and end up saving you some money.

You just learned many ideas to get a better price on 2014 Bentley Continental GT Speed Convertible insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with an unexpected company.

When searching for affordable car insurance quotes, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an accident victim reduced liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at a price you can afford and still be able to protect your assets.

Much more information about auto insurance can be found at these links: