2009 Bentley Continental GT Car Insurance Quotes – 5 Discounts for Cheapest Rates

Paying cheaper coverage rates for Driverscar insurance may be difficult for beginners to online insurance quotes. People have so many different companies and agents to choose from that it can be a lot of work to find more affordable car insurance rates.

Locating the best car insurance is quite easy. Essentially every vehicle owner who shops for car insurance will be able to cut their insurance bill. But drivers can benefit from knowing how the larger insurance companies compete online and use this information to your advantage.

Insurance Discounts

Companies offering auto insurance do not advertise every disount available in a way that’s easy to find, so we took the time to find both well-publicized and also the more inconspicuous insurance savings.

• Discount for Home Ownership – Owning a home can save you money because it demonstrates responsibility.
• Smart Student Discounts – Excelling in school can earn a discount of 20% or more. You can use this discount normally up until you turn 25.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of up to 25% or more.
• Bundle and Save – If you have multiple policies and place coverage with the same company you could earn a discount of up to 20% and get you cheap auto insurance.
• Organization Discounts – Having an affiliation with a professional or civic organization can get you a small discount on your next insurance statement.

One last thing about discounts, some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.

Some of the larger companies who may offer many of the previously listed discounts possibly include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

If you need lower rates, check with each company or agent to give you their best rates. Savings may not be available in your area. To see a list of companies with discount rates, click this link.

Cheapest insurance quotes

Most major insurance companies allow you to get pricing from their websites. The process is pretty painless as you just enter your required coverages on the page. After you complete the form, the company’s rating system sends out for reports for credit and driving violations and gives you a price quote based on these factors.

Online quotes streamlines rate comparisons, but the work required to visit several different sites and type in your information is a big time waster. But it’s also necessary to get many rate quotes in order to get the lowest price.

There is a better way to compare rates

A less time-consuming method to find cheaper rates utilizes a single form that analyzes rates from more than one company. It’s a real time-saver, reduces the work, and makes quoting online a lot less work. As soon as you send your information, your coverage is rated and you are able to buy your choice of the price quotes you receive.

If a lower price is quoted, you simply finish the application and purchase coverage. The whole process can be completed in a matter of minutes and may save quite a bit of money.

In order to find out if lower rates are available, click here to open in a new tab and enter your vehicle and coverage information. If you have coverage now, it’s recommended you copy coverages and limits exactly as shown on your declarations page. This helps ensure you are getting a rate comparison using the same coverage and limits.

Tailor your insurance coverage to you

When buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different.

These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

• Do I need PIP (personal injury protection) coverage in my state?
• Do I have coverage if my license is suspended?
• Is my business laptop covered if it gets stolen from my vehicle?
• Am I covered if my car is in a flood?
• Should I drop comprehensive coverage on older vehicles?
• Do I have coverage for damage caused while driving under the influence?
• Is my camper covered by my car insurance policy?
• Why is insurance for a teen driver so high?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form.

What insurance coverages do you need?

Understanding the coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, rock chips in glass, fire damage and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages – This coverage will cover damage or injury you incur to people or other property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as attorney fees, medical services, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments – Med pay and PIP coverage pay for short-term medical expenses such as pain medications, X-ray expenses and ambulance fees. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2009 Bentley Continental GT.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Collision coverages – This pays for damage to your Continental GT resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Compare but don’t skimp

Lower-priced insurance can be found online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide the ability to get quotes online and these smaller providers only sell coverage through local independent agencies.

You just learned a lot of ways to shop for 2009 Bentley Continental GT insurance online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding cheap auto insurance. Drivers may discover the best price on insurance is with the least-expected company.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There have been many cases where an accident victim reduced physical damage coverage and found out when filing a claim they didn’t have enough coverage. The goal is to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

Much more information about insurance can be read at the links below

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Vehicle Insurance (Wikipedia)
• Auto Theft Statistics (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)