2005 Bentley Continental GT Insurance Quotes

Trying to find the cheapest car insurance rates for your Bentley Continental GT? Have you had enough of scraping nickels together to insure your Bentley every month? You are in the same boat as the majority of other consumers. Since you have so many choices, it can be diffult for drivers to pick the right car insurance provider.

The purpose of this article is to help educate you on how to get online quotes and some tricks to saving. If you currently have car insurance, you will be able to save some money using these tips. Drivers just need to know the proper way to shop on the web.

Discounts can really help save money

Car insurance can cost a lot, but companies offer discounts to cut the cost considerably. Some trigger automatically when you complete an application, but once in a while a discount must be manually applied prior to receiving the credit.

• One Accident Forgiven – Not really a discount, but companies like Progressive, Allstate, and Liberty Mutual allow you one accident before raising your premiums if you have no claims for a specific time period.
• Online Discount – A few insurance companies will discount your bill up to fifty bucks for buying your policy online.
• Early Signing – A few companies offer discounts for switching to them prior to the expiration date on your current policy. It could save around 10% when you buy car insurance online.
• Discounts for Cautious Drivers – Drivers who avoid accidents may save up to 50% more for Continental GT insurance compared to accident prone drivers.
• Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
• Auto/Home Discount – If you insure your home and vehicles with the same company you will save as much as 10 to 15 percent.
• Accident Free – Claim-free drivers are rewarded with significantly better rates on car insurance quote when compared with frequent claim filers.

A little disclaimer on discounts, most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. If you do the math and it seems like you can get free auto insurance, you aren’t that lucky. But any discount should help lower your overall bill.

A few of the larger companies and their possible discounts are outlined below.

• Geico policyholders can earn discounts including membership and employees, defensive driver, emergency military deployment, anti-theft, and five-year accident-free.
• Travelers includes discounts for save driver, early quote, continuous insurance, IntelliDrive, home ownership, and student away at school.
• Nationwide may offer discounts for Farm Bureau membership, multi-policy, family plan, defensive driving, and good student.
• Farmers Insurance has savings for mature driver, homeowner, good student, early shopping, and pay in full.
• Esurance offers premium reductions for defensive driver, DriveSense, anti-theft, multi-policy, paid-in-full, and multi-car.
• State Farm may have discounts that include student away at school, accident-free, multiple policy, passive restraint, and anti-theft.
• Progressive offers discounts including good student, online signing, multi-policy, continuous coverage, online quote discount, homeowner, and multi-vehicle.
• Mercury Insurance has discounts for anti-theft, location of vehicle, professional/association, type of vehicle, annual mileage, and age of vehicle.

If you are trying to find low cost car insurance quotes, ask each insurance company how many discounts you can get. Savings may not apply to policyholders in your area.

Five things that impact your insurance prices

Consumers need to have an understanding of the different types of things that help determine insurance coverage rates. If you know what controls the rates you pay, this empowers consumers to make smart changes that can help you get better insurance coverage rates. Multiple criteria are taken into consideration when quoting car insurance. Some are obvious such as traffic violations, but other factors are more transparent like your continuous coverage or your vehicle rating.

• Responsible credit scores equal low premiums – Having a bad credit history is a big factor in calculating your premium rate. Therefore, if your credit score is lower than you’d like, you could be paying less to insure your 2005 Bentley Continental GT by improving your rating. Insureds that have very high credit ratings tend to be more responsible and file fewer claims than drivers with lower credit scores.
• Single drivers take more risk – Having a wife or husband actually saves money when shopping for insurance coverage. Having a significant other usually means you are more stable financially and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
• Don’t cut corners with liability – Your policy’s liability coverage will provide protection if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost a lot. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
• Long commutes cost more – Driving more miles in a year the more it will cost to insure it. A lot of insurance companies rate vehicles based on how the vehicle is used. Vehicles that have low annual miles can get a lower rate compared to those used for work or business. Having an incorrect usage rating on your Continental GT is throwing money out the window. Ask your agent if your insurance coverage policy is showing the right rating data.
• Eliminate unneeded extra policy coverages – Insurance companies have many optional add-on coverages that can waste your money on your insurance coverage policy. Coverages like roadside assistance, towing coverage, and additional equipment coverage are some examples. These coverages may sound good when you first buy your policy, but if you don’t need them eliminate them to save money.

Will just any policy work for me?

When it comes to buying coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might point out whether you might need an agent’s assistance.

• When should I buy a commercial auto policy?
• What is no-fault insurance?
• Should I file a claim if it’s only slightly more than my deductible?
• Is my 2005 Bentley Continental GT covered for flood damage?
• Who is covered by my policy?
• Does my policy cover me when driving someone else’s vehicle?
• Should I rate my 2005 Bentley Continental GT as pleasure use or commute?
• Do I need PIP coverage since I have good health insurance?
• Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

Save $479 a year? Really?

Consumers can’t escape the ads that claim the cheapest prices from companies such as Allstate, Geico and Progressive. They all try to convey promises of big savings if you move to their company.

How is it possible that every company can sell you cheaper insurance coverage? This is the trick they use.

Most companies have underwriting criteria for the driver that earns them the most money. For instance, a driver they prefer might be between the ages of 40 and 55, carries high limits, and drives a car with an anti-theft system. A propective insured who matches those parameters gets the lowest auto insurance rates and have a good chance to save when they switch companies.

Potential insureds who fall outside these standards may be forced to pay a higher premium which results in the customer not purchasing. The trick is to say “customers who switch” not “all people who quote” can save as much as they claim. That’s the way companies can claim big savings.

This really illustrates why drivers must get car insurance quotes as often as possible. Because without a comparison, you cannot know with any certainty which company will have the best premium rates at this point in time.

Insurance coverage basics

Understanding the coverages of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Bentley Continental GT.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, rock chips in glass and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

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

Collision insurance covers claims like sustaining damage from a pot hole, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability auto insurance

This coverage protects you from damage or injury you incur to other people or property. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things such as pain and suffering, loss of income, funeral expenses and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like nursing services, X-ray expenses, EMT expenses and funeral costs. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Save for a rainy day

We covered a lot of ways to lower your 2005 Bentley Continental GT insurance premium rates. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with a small mutual company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

Lower-priced auto insurance can be bought from both online companies and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not provide internet price quotes and most of the time these small, regional companies provide coverage only through local independent agencies.

More tips and info about auto insurance is located at these sites:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)
• Rollover Crash FAQ (iihs.org)
• Tools for Teen Driving Safety (State Farm)