2010 Bentley Continental GTC Insurance Rates

Looking for lower insurance rates? Shoppers have many options when shopping for the best price on Bentley Continental GTC insurance. You can either spend your time calling around trying to get quotes or utilize the internet to make rate comparisons. There are more efficient ways to find insurance online and we’ll show you the proper way to compare rates for a new or used Bentley and obtain the lowest possible price from both online companies and local agents.

You should take the time to shop coverage around as often as possible because insurance prices are constantly changing. Even if you think you had the lowest price on Continental GTC insurance at your last renewal you will most likely find a better rate today. Forget anything you know (or think you know) about insurance because you’re about to learn one of the easiest ways to get good coverage at a lower rate.

Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these techniques. Drivers only need an understanding of the tricks to buy auto insurance over the internet.

Discounts for cheaper insurance rates

The price of auto insurance can be rather high, but you may be missing some discounts that many people don’t even know exist. A few discounts will be applied at the time of quoting, but once in a while a discount must be inquired about before you will receive the discount. If you do not check that you are getting every discount available, you are paying more than you should be.

• Online Discount – Certain companies will give you a small discount for buying a policy and signing up on the web.
• Full Payment Discount – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
• Defensive Driving Course – Taking time to complete a course in driver safety could save 5% or more and easily recoup the cost of the course.
• Mature Driver Discount – Drivers over the age of 55 may receive better insurance rates on Continental GTC insurance.
• Sign Early and Save – Some insurance companies provide a discount for switching to them prior to the expiration date on your current policy. It’s a savings of about 10%.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
• Life Insurance – Some insurance carriers give a discount if you purchase life insurance from them.
• Military Deployment Discount – Having a deployed family member may lower your prices slightly.

It’s important to understand that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, insurance companies aren’t that generous.

Companies and a partial list of their discounts are included below.

• Geico may include discounts for multi-vehicle, anti-lock brakes, multi-policy, seat belt use, and daytime running lights.
• Travelers offers discounts for multi-car, IntelliDrive, student away at school, driver training, new car, and continuous insurance.
• Nationwide includes discounts for defensive driving, Farm Bureau membership, business or organization, easy pay, and good student.
• Farmers Insurance policyholders can earn discounts including good student, alternative fuel, pay in full, distant student, early shopping, and business and professional.
• Esurance offers discounts including renters, anti-theft, multi-car, claim free, online quote, Switch & Save, and anti-lock brakes.
• State Farm discounts include anti-theft, defensive driving training, multiple policy, driver’s education, and good student.
• Progressive may have discounts that include homeowner, multi-vehicle, multi-policy, good student, online quote discount, and continuous coverage.
• Mercury Insurance offers premium reductions for accident-free, professional/association, good student, low natural disaster claims, type of vehicle, anti-theft, and location of vehicle.

It’s a good idea to ask each company which credits you are entitled to. Some discounts might not be offered in every state. To find insurance companies that can offer you the previously mentioned discounts, follow this link.

How to shop insurance coverage online

There are a variety of methods to compare insurance coverage quotes, but there is one way that is less time-consuming than others. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can utilize online quotes for quick rates.

Most car insurance companies take part in a program that allows shoppers to only type in their quote data once, and each company then returns a price quote for coverage. This saves time by eliminating quote requests to every company.

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

One minor caviat to comparing rates this way is you cannot specify which companies you want pricing from. If you wish to select individual companies to compare rates, we put together a list of companies who write insurance coverage in your area. Click to view list.

The approach you take is up to you, just compare the same coverage limits for each comparison quote. If your comparisons have different values for each quote it will be very difficult to find the best deal for your Bentley Continental GTC.

Smart choices result in lower insurance premiums

It’s important that you understand the factors that play a part in calculating your premiums. When consumers understand what influences your rates, this allows you to make educated decisions that could result in much lower annual insurance costs.

• Women tend to take less risk – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. It does not mean men are WORSE drivers than women. Males and females have fender benders in similar numbers, but the males have costlier accidents. Not only that, but men also receive more costly citations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore pay the highest rates.
• How old are your drivers? – More mature drivers are shown to be more cautious, tend to file fewer claims and tend to be get fewer driving tickets.Beginning drivers tend to be more careless when driving with friends so insurance rates are higher.
• Compare rates if you combine your policies – Some insurance companies provide a discount to clients who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s still a good idea to shop around to verify if the discount is saving money. Drivers may still save even more than the discount by insuring with multiple companies.
• Alarm systems systems cut rates – Driving a car with anti-theft technology or alarm system can save you some money. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder vehicle theft.
• Do you work long hours in a demanding employer? – Occupations such as doctors, architects and dentists usually pay higher average rates in part from job stress and lots of time spent at work. Other jobs like scientists, historians and performers have lower than average premiums on Continental GTC insurance.
• Drivers with excellent credit save on insurance – Having a bad credit rating is a big factor in calculating your insurance rates. If your credit history can use some improvement, you may save money insuring your 2010 Bentley Continental GTC by improving your rating. Insureds with good credit tend to be better risks to insure as compared to drivers with lower credit scores.

You may need specialized car insurance coverage

When it comes to buying adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

• Does my policy pay for OEM or aftermarket parts?
• How much liability do I need to cover my assets?
• What if I owe more than I can insure my car for?
• When would I need rental car insurance?
• Who is covered by my policy?
• Can I make deliveries for my home business?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Are insurance coverage companies telling the truth?

Consumers can’t escape the ads that claim the cheapest car insurance rates by Progressive, Geico, Allstate and State Farm. All the ads state the claim that drivers will save a bundle just by moving your coverage to them.

Is it even possible that every company can cost less than your current company? Just pay attention to how they say it.

Insurance providers have specific criteria for the type of driver that is profitable for them. One example of a desirable insured might be between the ages of 30 and 50, has a clear driving record, and has a short commute. A customer who meets those qualifications will get very good premium rates and is almost guaranteed to save some money.

Insureds who do not fit those standards will probably be forced to pay a higher rate and ends up with business going elsewhere. The ads state “people who switch” not “all people who quote” save the amount stated. This is how insurance companies can confidently make it sound like they have such great prices. That is why drivers should get insurance coverage quotes from several different companies. It is impossible to predict which insurance companies will have the best premium rates for your profile.

Car insurance coverages for a 2010 Bentley Continental GTC

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance covers 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 protects against claims such as damage from getting keyed, hitting a bird, rock chips in glass and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Bentley Continental GTC.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability

This coverage can cover damages or injuries you inflict on other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like loss of income, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This will pay to fix damage to your Continental GTC caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, driving through your garage door, crashing into a building, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like nursing services, rehabilitation expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Shop. Compare. Save.

We just presented a lot of ways to lower your 2010 Bentley Continental GTC insurance car insurance rates. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance coverage is with a smaller regional carrier.

Budget-conscious 2010 Bentley Continental GTC insurance is attainable online as well as from insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance companies do not offer price quotes online and these small insurance companies prefer to sell through independent agents.

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped uninsured motorist or liability limits and learned later they didn’t have enough coverage. The aim is to buy enough coverage for the lowest cost and still be able to protect your assets.

For more information, take a look at the resources below:

• Older Drivers FAQ (iihs.org)
• Vehicle Insurance (Wikipedia)
• Airbag FAQ (iihs.org)
• Get the Right Protection (InsureUonline.org)
• Rental Reimbursement Coverage (Allstate)