Compare 2015 Bentley Continental GT Car Insurance Quotes

Having to pay for high-priced Bentley Continental GT insurance can eat up your savings account and maybe even restrict other spending. Comparing price quotes is free, only takes a few minutes, and is a good way to tighten up your finances.

Companies like State Farm, Farmers Insurance, Geico and Allstate continually hit you with fancy advertisements and it is difficult to ignore the promise of big savings and do the work needed to find the best deal.

If you are paying for car insurance now, you should be able to save some money using this information. Finding affordable coverage is easy if you know what you’re doing. Although consumers need to learn the way companies price online insurance and apply this information to your search.

What impacts Bentley Continental GT insurance costs?

Smart consumers have a good feel for the rating factors that play a part in calculating the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that could result in lower insurance coverage prices. Many factors are used in the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, but others are more transparent such as whether you are married or how financially stable you are.

The factors shown below are just a few of the factors companies use to determine rates.

  • A insurance coverage policy lapse can increase premiums – Driving without insurance is against the law and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, not being able to provide proof of insurance may earn you a steep fine or even jail time.
  • Combine and save – Lots of insurance companies afford discounts to customers who carry more than one policy, otherwise known as a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even if you’re getting this discount consumers should still compare other company rates to guarantee you are still saving the most.
  • How’s your driving record? – Being a careful driver influences premium rates substantially. Drivers with clean records get better rates compared to drivers with tickets. Only having one chargable violation may increase your cost by twenty percent. Drivers who get flagrant violations like DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Pleasure use or commuting – Driving a lot of miles every year the higher the price you pay to insure it. Many insurance companies apply a rate based on their usage. Cars that have low annual miles can be on a lower rate level than vehicles that have high annual mileage. A policy that improperly rates your Continental GT may be costing you higher rates. It’s a good idea to make sure your insurance coverage coverage reflects the correct driver usage, because it can save money.
  • Which gender costs less? – The statistics show women are more cautious behind the wheel. This data doesn’t prove that women are better drivers. Both sexes have auto accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically get higher numbers of serious violations like reckless driving and DUI. Teenage male drivers have the highest risk to insure so it costs more to insure them.
  • Vocation stress can make you pay more – Careers such as fire fighters, executives and medical professionals usually pay higher premiums than the average policyholder attributed to high stress and long work hours. On the other hand, professions such as farmers, engineers and homemakers have lower than average premiums on Continental GT coverage.
  • Liability protection is cheap – Liability coverage is the protection if you are responsible for personal injury or accident damage. This coverage provides you with a defense in court to defend your case. This coverage is relatively inexpensive compared to other policy coverages, so buy as much as you can afford.
  • Vehicles with better crash test results cost less to insure – Vehicles that have high safety ratings get lower rates. Vehicles engineered for safety protect occupants better and any reduction in injury severity means your insurance company pays less which can result in lower premiums.

Discounts can really help lower rates

Companies do not advertise every available discount very clearly, so the following is a list of both well-publicized in addition to some of the lesser obvious savings tricks you should be using when you buy car insurance online. If you are not receiving all the discounts available, you are paying more than you should be.

  • Mature Driver Discount – Seniors could receive a small decrease in premiums on Continental GT coverage.
  • Safety Restraint Discount – Forcing all vehicle occupants to buckle up before driving could save 15% on the medical payments or PIP coverage costs.
  • Claim-Free Discount – Drivers with accident-free driving histories have much lower rates as compared to policyholders that have many claims.
  • One Accident Forgiven – This isn’t a discount exactly, but companies like State Farm and Allstate allow you one accident without the usual rate increase if you have no claims prior to the accident.
  • Early Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Policy Bundle Discount – If you can bundle your auto and home insurance with one company you may earn over 10 percent off each policy depending on the company.

Discounts lower rates, but most discount credits are not given to the entire cost. A few only apply to individual premiums such as liability and collision coverage. So when the math indicates you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

For a list of providers who offer cheap insurance coverage quotes, click this link.

Slick advertising tricks that work

State Farm and Allstate consistently run ads in print and on television. They all convey the message that people will save if you just switch to their company. How does every car insurance company charge lower premium rates? It’s all in the words they use.

Different companies give the cheapest rates for the type of insured that will generate a profit. For example, this type of insured could be over the age of 45, has a clean driving record, and has a high credit rating. A propective insured who fits that profile will get the preferred auto insurance rates and will most likely save when they switch companies.

People who may not quite match these stringent criteria may receive a higher rate and this results in business not being written. If you pay attention, the ads say “people that switch” not “everybody who quotes” save that much money. That is how insurance companies can make those claims. This really illustrates why you really should compare free car insurance quotes often. It’s impossible to know which car insurance company will provide the lowest premium rates.

Will just any policy work for me?

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help you determine if you may require specific advice.

  • Does having multiple vehicles earn me a discount?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I buy additional glass protection?
  • Do I need more liability coverage?
  • Am I covered when pulling a rental trailer?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when driving a rental car?

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

Specifics of your auto insurance policy

Having a good grasp of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by auto insurance companies.

Liability coverage – This protects you from injuries or damage you cause to a person or their property. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of 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 values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as pain and suffering, bail bonds, loss of income and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Collision coverages – This coverage covers damage to your Continental GT resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Bentley Continental GT.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, rock chips in glass and theft. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for nursing services, ambulance fees and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Be Smart and Buy Smart

We just showed you a lot of information how to save on 2015 Bentley Continental GT insurance. The key concept to understand is the more you quote car insurance, the higher the chance of saving money. You may even find the best price on car insurance is with a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm or Progressive.

Cheap 2015 Bentley Continental GT insurance is possible on the web and also from your neighborhood agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some car insurance companies may not have internet price quotes and usually these small insurance companies only sell coverage through independent insurance agents.

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