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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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:
Corporate greed I’m telling you. From south side of Montgomery, AL. I got free prices from Liberty Mutual, AAA, Sentry, and a couple others for my Continental GT and I’m now saving $25 a month. Insured with AAA before. Can still barely afford it.
Lifelong resident of Anchorage, AK. Received prices from Amica, MetLife, and a few others for my 2005 Bentley Continental GT and saved around $520 a year. I used their online quote form to compare rates.
It’s all a rip off. Checking in from Tucson, AZ. Got quotes with AIG Insurance, Safeco, and a few others for my 2005 Bentley Continental GT and I think I cut my rates about $30 each month.
Quoted with Mercury for my Continental GT and am saving around $350 a year. It’s still not cheap enough.
This is too expensive. I live just to the south of Milwaukee, WI. Quoted with AIG Insurance, Encompass, and Safeco for my Continental GT and I’m now saving $58 a month.
IT’S ALL TOO EXPENSIVE! I live just to the north of Saint Louis, MO. I compared lots of rates. Saved about $60 a month. 21st Century was the cheapest for me. Switched homeowners coverage too.
Not sure what I should be paying. I live in Cedar Rapids, IA. I quoted with American Family, Nationwide, and some smaller one I can’t remember the name of for my Continental GT and saved $349 a year.
I found pretty cheap rate quotes for a 2005 Bentley Continental GT in Mobile, Alabama. Ended up at right around $410 every six months with AIG Insurance. Left Erie to switch.
Enjoyed the article. I’m from New Orleans, LA. I quoted with AIG Insurance, MetLife, and a few others for my 2005 Bentley Continental GT and saved $311 a year. Insured with Eastwood before. It never hurts to quote around.
If you have a good history and are close to Bellevue, NE, check out Progressive. They seem to be cheaper.
I’m in the suburbs of Charleston, West Virginia. Got free quotes online for a 2005 Bentley Continental GT. Ended up at about $250 savings annually. Went with GEICO. Insured with Esurance before. Even increased my liability limits.
Good site, thanks. From east side of Gulfport, MS. Quoted quotes from 21st Century, AIG Insurance, Encompass, and GMAC for my Continental GT and saved just over $110 a year. Online quotes are the way to go.