2010 Bentley Continental GT Insurance Cost

Searching for the cheapest auto insurance rates for your Bentley Continental GT? Have you finally had enough of wondering where the money will come from to insure your Bentley every month? Your situation is no different than many other consumers. Consumers have multiple auto insurance companies to buy insurance from, and though it is a good thing to be able to choose, more choices can make it harder to find the lowest cost provider.

You should make it a habit to take a look at other company’s rates as often as possible since rates are adjusted regularly by insurance companies. Even if you got the best deal on Continental GT coverage at your last renewal you can probably find a better price now. Block out anything you think you know about auto insurance because we’re going to demonstrate how to use the internet to find the best coverage while lowering your premiums.

Get lower rates with these auto insurance discounts

Auto insurance is not an enjoyable expense, but you might find some hidden discounts that may help make it more affordable. A few discounts will automatically apply at quote time, but less common discounts must be manually applied before being credited.

• College Student – College-age children who live away from home at college and do not have a car may be able to be covered for less.
• Clubs and Organizations – Participating in a professional or civic organization could earn you a nice discount on your next auto insurance statement.
• Onboard Data Collection – Insureds who allow their company to scrutinize where and when they drive by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they show good driving skills.
• Discount for Swiching Early – Some auto insurance companies give discounts for buying a new policy prior to the expiration date on your current policy. It can save you around 10%.
• Discounts for Seat Belt Usage – Requiring all passengers to buckle up could cut 10% or more off the PIP or medical payment premium.

A quick disclaimer, most credits do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will help reduce your overall bill.

Companies and a selection of discounts include:

• State Farm may offer discounts for passive restraint, good student, Drive Safe & Save, defensive driving training, and Steer Clear safe driver discount.
• Geico may include discounts for defensive driver, seat belt use, federal employee, multi-vehicle, anti-theft, membership and employees, and five-year accident-free.
• Progressive has savings for online signing, multi-vehicle, homeowner, good student, and online quote discount.
• 21st Century discounts include air bags, student driver, good student, 55 and older, anti-lock brakes, driver training, and automatic seat belts.
• American Family policyholders can earn discounts including air bags, early bird, bundled insurance, accident-free, and Steer into Savings.
• The Hartford offers premium reductions for good student, defensive driver, air bag, bundle, and anti-theft.
• AAA may have discounts that include multi-car, pay-in-full, multi-policy, AAA membership discount, good student, anti-theft, and education and occupation.

Check with every company which discounts you qualify for. Depending on the company, some discounts may not be available in your area. To see providers with significant discounts, follow this link.

How to buy insurance online

Getting a more affordable price on 2010 Bentley Continental GT insurance is actually easier than you may think. Drivers just need to take the time comparing price quotes online with multiple companies. This can easily be done in a couple of different ways.

1. If you are pressed for time, the simplest way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do separate quotation requests for every insurance company. A single form gets prices estimates instantly.
2. A more time consuming way to find better pricing is going to the website of each company and request a quote. For example, let’s assume you want to compare rates from Allstate, Farmers and American Family. To do that, you would have to spend time going to each site individually and repeatedly enter your information, which is why the first method is more popular.

   For a handy list of car insurance company links in your area, click here.

3. The least efficient and most time consuming method to get rate quotes is making phone calls or going to all the different insurance agencies. The fact that you can get quotes online has made agencies unnecessary unless you have a need for the peace of mind that only a licensed agent can provide. It is possible to compare the best prices online and get advice from an agent in your area.

Take whichever approach you prefer, but make sure you use the same coverages and limits on every price quote you get. If your comparisons have differing limits it will be very difficult to determine the lowest rate for your Bentley Continental GT.

Insurance can get complicated

When it comes to buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions can aid in determining if your insurance needs could use an agent’s help.

• Should I bundle my homeowners policy with my auto?
• What is covered by UM/UIM coverage?
• Do I pay less for low miles?
• Does my policy pay for OEM or aftermarket parts?
• When would I need rental car insurance?
• Is my babysitter covered when using my vehicle?
• What is no-fault insurance?
• Can I make deliveries for my home business?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my 2010 Bentley Continental GT covered for flood damage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

The coverage is in the details

Having a good grasp of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Coverage for liability

Liability insurance can cover injuries or damage you cause to other people or property. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like structural damage, medical expenses and legal defense fees. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses such as funeral costs, dental work, rehabilitation expenses and hospital visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, hitting a deer and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2010 Bentley Continental GT.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision insurance

This will pay to fix 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 insurance covers things like colliding with a tree, crashing into a ditch, rolling your car, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Knowledge is power

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed full coverage and learned later that it was a big mistake. The goal is to find the BEST coverage at the best possible price and still be able to protect your assets.

In this article, we presented a lot of information how to get a better price on 2010 Bentley Continental GT insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from the least-expected company. Regional companies may only write in your state and offer lower rates than their larger competitors like Geico and State Farm.

To read more, take a look at the articles below:

• Auto Insurance FAQ (Farmers Insurance)
• Distracted Driving (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)