Compare 2016 Bentley Continental GT Insurance Rates

Searching for better insurance coverage rates for your Bentley Continental GT? Expensive insurance coverage can consume your funds and force you to make sacrifices. Comparing cost estimates is a smart way to slash your bill and have more diposable income.

Online insurance companies like Progressive, Geico and Farmers Insurance continually bombard you with ads and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

Take advantage of every auto insurance discount

Insuring your fleet can be pricey, but you might find some hidden discounts that could help you make your next renewal payment. Some discounts apply automatically when you complete an application, but some must be asked for prior to receiving the credit. If you aren’t receiving every discount possible, you are not getting the best rate possible.

  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and therefore earn up to a 10% discount.
  • Online Discount – A handful of companies give back up to $50 for buying a policy and signing up digitally online.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it will make them better drivers and lower rates.
  • Own a Home and Save – Being a homeowner can save a few bucks due to the fact that maintaining a home requires personal responsibility.
  • Claim Free – Drivers who don’t have accidents can save substantially in comparison with frequent claim filers.

Remember that most credits do not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride.

A few companies that may include some of the discounts shown above possibly include:

When quoting, ask every prospective company which discounts can lower your rates. Some discounts listed above might not apply in your state.

How to get free car insurance quotes online

Most major insurance companies like State Farm, Geico and Progressive provide coverage prices directly from their websites. Getting online rates is pretty easy because it’s just a matter of typing in your coverage preferences into the form. After you submit the form the system requests reports for credit and driving violations and returns a price based on many factors. This makes it easy to compare insurance prices but having to visit multiple sites and type in the same data is repetitive and time-consuming. But it’s very important to get many rate quotes in order to find the lowest car insurance rates.

A less time-consuming method to find cheaper rates uses one simple form to get prices from several companies at one time. It’s a real time-saver, reduces the work, and makes rate comparisons a lot less work. After sending the form, your coverage is rated and you can choose any or none of the resulting price quotes.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. The entire process only takes a few minutes and may result in a nice savings.

In order to find out if lower rates are available, simply click here to open in new window and enter your information. To compare your current rates, we recommend you duplicate the coverages just like they are on your policy. Doing this assures you will have comparison quotes based on identical coverages.

Components of your Bentley Continental GT insurance premiums

Many things are used when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although others are not as apparent such as your credit history or how financially stable you are.A large part of saving on insurance is knowing some of the things that play a part in calculating the rates you pay for insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that will entitle you to better insurance rates.

The factors shown below are some of the major factors used by your company to calculate your premiums.

  • Fewer miles means better prices – Driving more miles each year the higher the price you pay to insure it. A lot of companies rate vehicles partially by how you use the vehicle. Vehicles used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Incorrect rating for your Continental GT may be costing you. Verify your declarations sheet properly reflects the right rating data.
  • Do you know you’re credit score? – Credit history is a big factor in your rate calculation. Drivers with good credit tend to be better risks to insure as compared to drivers with poor credit. Therefore, if your credit history can use some improvement, you could potentially save money when insuring your 2016 Bentley Continental GT by taking the time to improve your credit score.
  • Married people drive safer – Being married may cut your premiums compared to being single. It demonstrates that you tend to be more stable financially and it’s statistically proven that married drivers tend to file fewer claims.
  • Don’t skimp on liability – The liability coverage on your policy is the protection when you are found liable for physical damage or personal injury to other. Your liability coverage provides legal defense coverage to defend your case. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Rates may be higher where you live – Choosing to live in smaller towns and rural areas of the country has definite advantages when talking about insurance. Residents of big cities have to deal with much more traffic and more time behind the wheel. Less people living in that area corresponds to lower accident rates in addition to lower liability claims

How to know if you need help

When it comes to choosing coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. For example, these questions could help you determine if you would benefit from an agent’s advice.

  • When can my company non-renew my policy?
  • Who is covered when they drive my 2016 Bentley Continental GT?
  • How much liability do I need to cover my assets?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your auto insurance policy

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from auto insurance companies.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as nursing services, prosthetic devices, pain medications, doctor visits and X-ray expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Bentley Continental GT.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, falling objects, a broken windshield, hail damage and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability – This coverage can cover damage that occurs to other people or property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like legal defense fees, attorney fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Shop. Compare. Save.

You just read many ideas to save on 2016 Bentley Continental GT insurance. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates come from the smaller companies. Smaller companies may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

Lower-priced insurance can be purchased both online in addition to local insurance agencies, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance companies may not have internet price quotes and these regional carriers only sell coverage through independent insurance agencies.

More detailed insurance information is available by following these links: