2007 Bentley Continental GT Insurance Quotes

Trying to find lower insurance coverage rates for your Bentley Continental GT? If you’re looking for more affordable insurance on the web, are you baffled by the wide range of insurance coverage choices in your area? You have such a large number of options that it can really be a chore to find the perfect company for you.

You need to do price comparisons occasionally because rates are rarely the same from one policy term to another. Even if you got the best deal for Continental GT insurance a couple years back you will most likely find a better price today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the best way to save money, get proper deductibles and limits, all at the lowest rate.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. The purpose of this article is to familiarize you with the best way to quote coverages. But car owners need to have an understanding of how big insurance companies price insurance differently and apply this information to your search.

Smart consumers know how to buy auto insurance more affordably

Smart consumers have a good feel for some of the elements that help determine auto insurance rates. If you have a feel for what determines premiums, this enables you to make decisions that can earn you much lower annual insurance costs. Many factors are used when quoting car insurance. A few of the factors are predictable such as traffic violations, but other factors are not as apparent like where you live or your commute time.

The following are some of the factors that factor into premiums.

• Better auto insurance rates for uninterrupted coverage – Driving with no insurance is against the law and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. And not only will insurance be more expensive, failure to provide proof of insurance may earn you fines and jail time.
• Get hitched and get cheaper premiums – Walking down the aisle may earn you lower rates compared to being single. Marriage usually means you are more mature and responsible and statistics show drivers who are married are more cautious.
• Extra coverages push up rates – There are quite a few extra add-on coverages that you can buy when buying auto insurance. Insurance for roadside assistance, death and dismemberment, and term life insurance are examples of these. You may think they are a good idea when discussing your needs, but now you might not need them so get rid of them and save.
• Traffic violations mean higher costs – Having a single chargable violation can increase rates to the point where it’s not affordable. Careful drivers pay lower auto insurance prices than their less careful counterparts. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state’s department of motor vehicles in order to legally drive.
• Big city or small town – Residing in less populated areas of the country has it’s advantages when it comes to auto insurance. Fewer drivers means less chance of accidents. Urban drivers have to deal with more aggressive driving styles and longer commutes to work. Higher commute times means higher likelihood of an accident.
• Pay more out-of-pocket – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Bentley. Examples of some claims that would be covered could be colliding with a building, damage from fire, and windstorm damage. The deductibles you choose tell how much you are willing to pay in the event of a claim. The larger the amount you have to pay, the less your company will charge you for insurance for Continental GT insurance.

Insurance coverage companies offer money-saving discounts

Car insurance companies don’t always publicize all disounts in an easy-to-find place, so the following is a list of some of the best known in addition to some of the lesser obvious discounts that may be available.

• Distant Student – Kids who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
• Multi-policy Discount – If you can combine your home and auto policy with the same insurance company they may give you a discount of up to 20% off your total premium.
• Discount for Good Grades – Maintaining excellent grades may save as much as 25% on a auto insurance quote. Most companies allow this discount up to age 25.
• Driver Training Discounts – Participating in a class that teaches defensive driving techniques could possibly earn you a 5% discount and also improve your driving technique.
• Pay Now and Pay Less – If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
• Multi-Vehicle Discounts – Drivers who insure more than one vehicle with one company can get a discount for every vehicle.
• Accident-Free Discounts – Drivers who stay claim-free get the best insurance coverage rates when compared to frequent claim filers.
• ABS Brakes – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
• Waiver for an Accident – This one is not really a discount per se, but companies like Geico, Progressive, and Allstate will let one accident slide before your rates go up as long as you don’t have any claims for a specific time period.
• Cautious Driver Discounts – Insureds who avoid accidents could pay up to 40% less for Continental GT insurance than drivers with accidents.

Drivers should understand that most credits do not apply to the entire policy premium. Some only apply to individual premiums such as medical payments or collision. So even though they make it sound like you could get a free insurance coverage policy, nobody gets a free ride. Any qualifying discounts will cut your policy premiums.

If you would like to choose from a list of insurance companies with significant discounts, click here.

Does car insurance advertising bend the truth?

Respected companies like State Farm, Allstate and Geico consistently run ads on television and other media. All the companies tend to make the same promise about savings if you get a free auto insurance quote and switch your car insurance coverage to their company. How does every company cost less than your current company? This is the way they can do it.

All companies give the best rates for the type of driver that will not have excessive claims. A good example of this type of insured should be over the age of 35, carries full coverage, and drives less than 7,500 miles a year. Anyone who meets those qualifications may get the lowest rates and therefore will save a lot if they switch.

People who don’t meet those criteria may receive higher premium rates with the end result being the prospect going elsewhere. The trick companies use is to say “customers who switch” not “everyone that quotes” save that much money. This is how companies can truthfully lure you into getting a quote.

Because of these techniques, you should compare free auto insurance quotes often. It’s just too difficult to predict which insurance companies will have the lowest rate quotes.

Do I just need basic coverages?

When choosing the best insurance coverage coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether or not you might need an agent’s assistance.

• Do I really need UM/UIM coverage?
• What is UM/UIM insurance?
• Does my 2007 Bentley Continental GT qualify for pleasure use?
• Can I rent a car in Mexico?
• Who is covered by my policy?
• When do I need to add a new car to my policy?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What can I do if my company won’t pay a claim?
• Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverage specifics

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, surgery, funeral costs and pain medications. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

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. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Bentley Continental GT.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are set the same as your liablity limits.

Comprehensive (Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, theft and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like emergency aid, loss of income and legal defense fees. How much coverage you buy is up to you, but buy higher limits if possible.

Auto collision coverage

This coverage pays for damage to your Continental GT resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Make an honest buck

In this article, we presented some good ideas how to lower your 2007 Bentley Continental GT insurance premium rates. The most important thing to understand is the more price quotes you have, the better likelihood of getting the cheapest auto insurance. You may even find the biggest savings come from a company that doesn’t do a lot of advertising.

Some insurance providers may not provide price quotes online and most of the time these regional carriers only sell through independent insurance agents. Cheaper auto insurance can be found from both online companies and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

People who switch companies do it for a variety of reasons including unfair underwriting practices, extreme rates for teen drivers, delays in paying claims or lack of trust in their agent. Whatever your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

Additional auto insurance information can be found at the links below

• Auto Insurance Learning Center (State Farm)
• What is Covered by GAP Insurance? (Allstate)
• Event Data Recorders FAQ (iihs.org)
• Liability Insurance Coverage (Nationwide)
• Parking Tips to Reduce Door Dings (State Farm)