2009 Bentley Continental GTC Insurance Rates – 9 Ways to Save

Looking for cheaper auto insurance rates for your Bentley Continental GTC? Finding cheaper auto insurance probably sounds like a formidable task if you haven’t ever compared insurance using online rate quotes. Don’t let that stop you because we’re going to show you how.

How much is insurance?

Effectively comparing insurance prices can be a daunting task if you don’t understand the easiest way. You can waste hours talking about coverages with insurance agencies in your area, or you could use the internet to quickly compare rates.

Many of the larger companies enroll in a system that allows shoppers to complete one form, and each company then gives them pricing. This system prevents you from having to do repetitive form submissions for each company.

To find out what other companies charge click to open in new window.

One minor caviat to getting quotes like this is buyers cannot specifically choose which insurance companies you want pricing from. If you would rather choose specific insurance companies to compare, we have a listing of the cheapest insurance companies in your area. Click to view list.

Which method you use is up to you, but double check that you are using apples-to-apples coverages on every quote. If each company quotes different liability limits then you won’t be able to determine the best price for your Bentley Continental GTC. Even a minor difference in limits may cause a big price difference. And when comparing insurance rates, know that quoting more provides better odds of finding the best offered rates. Some regional insurers cannot provide online quotes, so it’s recommended that you also compare quotes from them, too.

Discounts can really help lower rates

Some insurers do not list their entire list of discounts in a way that’s easy to find, so we took the time to find both the well known as well as some of the hidden discounts that you may qualify for.

• No Claim Discounts – Good drivers with no accidents get the best insurance rates as compared to drivers who are more careless.
• Distant College Student Discount – Any of your kids who are attending college and do not have a car could get you a discount.
• Active Service Discounts – Being deployed with a military unit could mean lower prices.
• Discount for Life Insurance – Some companies give a small discount if you purchase a life policy as well.
• Passive Restraints and Air Bags – Factory options such as air bags can get savings of more than 20%.
• Bundle and Save – If you insure your home and vehicles and insure them both with the same insurance company you could get a discount of up to 20% and get you affordable auto insurance.
• Own a Home and Save – Just being a homeowner can save a few bucks since owning and maintaining a home is proof that your finances are in order.
• Membership in Organizations – Affiliation with specific professional or occupational memberships or organizations may earn a discount on your policy.
• Braking Control Discount – Vehicles with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.

As is typical with insurance, many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that adding up those discounts means a free policy, you aren’t that lucky.

A list of companies and a selection of discounts are shown below.

• Geico offers premium reductions for anti-theft, defensive driver, emergency military deployment, military active duty, daytime running lights, and five-year accident-free.
• Mercury Insurance discounts include multi-policy, multi-car, anti-theft, accident-free, good driver, location of vehicle, and annual mileage.
• Farmers Insurance offers discounts including switch companies, good student, homeowner, alternative fuel, teen driver, mature driver, and business and professional.
• Auto-Owners Insurance may offer discounts for paperless, company car, anti-lock brakes, good student, and paid in full.
• Liberty Mutual policyholders can earn discounts including multi-car, new vehicle discount, multi-policy, new move discount, new graduate, and exclusive group savings.
• SAFECO has discounts for safe driver, accident prevention training, anti-theft, anti-lock brakes, teen safety rewards, and homeowner.
• Progressive has savings for homeowner, multi-policy, continuous coverage, online quote discount, multi-vehicle, and good student.
• USAA may include discounts for safe driver, loyalty savings, defensive driver, family discount, and military installation.

If you want cheaper auto insurance quotes, ask every insurance company which discounts they offer. Depending on the company, some discounts may not be available everywhere. To see insurers with the best insurance discounts, follow this link.

Will just any policy work for me?

When it comes to choosing coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.

• Exactly who is provided coverage by my policy?
• Does my liability insurance cover pulling a trailer or camper?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I need higher collision deductibles?
• I have good health insurance, so how much medical payments coverage do I need?
• How can I force my company to pay a claim?
• Should I rate my 2009 Bentley Continental GTC as pleasure use or commute?
• Are rock chip repairs covered?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments – Med pay and PIP coverage provide coverage for bills for things like ambulance fees, X-ray expenses and prosthetic devices. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision insurance will pay to fix damage to your Continental GTC resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, hitting a parking meter, colliding with another moving vehicle, hitting a mailbox and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability insurance – Liability insurance protects you from injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as medical services, repair costs for stationary objects, repair bills for other people’s vehicles, structural damage and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, a tree branch falling on your vehicle, fire damage and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Bentley Continental GTC.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

A tidy conclusion

When getting auto insurance quotes online, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice physical damage coverage only to discover later that it was a big error on their part. Your objective should be to purchase a proper amount of coverage at the best price and still be able to protect your assets.

More affordable insurance coverage is available from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies may not have the ability to get quotes online and these regional carriers prefer to sell through local independent agents.

You just read a lot of ways to shop for 2009 Bentley Continental GTC insurance online. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers may even find the lowest priced insurance coverage comes from an unexpected company.

For more information, feel free to browse the resources below:

• Tools for Teen Driving Safety (State Farm)
• Insurance Losses by Make and Model (iihs.org)
• All About Airbag Safety (State Farm)
• Teen Driving Statistics (Geico)
• Alcohol Impaired Driving FAQ (iihs.org)
• Safety Features for Your New Car (State Farm)