Lower Your 2010 Bentley Continental GTC Speed Car Insurance Quotes

Do you think you bought an expensive car insurance policy? You’re in good company because there are many consumers feeling the pinch from expensive car insurance.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm promote their brand names with advertising and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

If you have car insurance now, you will be able to save some money using these methods. Buying car insurance is not that difficult. But car owners must learn the way companies market insurance on the web and apply this information to your search.

Discounts to earn cheaper car insurance rates

Car insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that can dramatically reduce your bill. Certain reductions will be credited at the time of quoting, but some must be manually applied before they will apply.

• Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts can save a little off the personal injury premium cost.
• Paperwork-free – A few larger companies provide a small discount for buying your policy on the web.
• Discount for Life Insurance – If the company offers life insurance, you could get a lower rate if you buy a life policy as well.
• Multiple Policy Discount – If you have multiple policies and place coverage with the same company they may give you a discount of 10% to 20% off each policy.
• Discount for Home Ownership – Owning a home may trigger a policy discount on car insurance because it means you have a higher level of financial diligence.
• Waiver for an Accident – but certain companies will forgive one accident before hitting you with a surcharge if you have no claims for a set time period.
• Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on Continental GTC Speed coverage but check with your company.

One thing to note about discounts is that most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like all those discounts means the company will pay you, car insurance companies aren’t that generous.

Auto insurance companies who might offer most of these discounts possibly include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

When quoting, ask all the companies what discounts are available to you. Some credits might not apply in your area. If you would like to see a list of companies that offer many of these discounts, click here to view.

Compare free auto insurance quotes

Many insurance companies like Allstate and Progressive allow you to get coverage prices on the web. Doing online quotes is quite simple as you simply type in on the page. When complete, the company’s rating system automatically retrieves information on your driving record and credit history and gives you a price quote determined by many factors. Being able to quote online makes comparing rates easy, but the time it takes to visit a lot of sites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to do this if you want to get better auto insurance pricing.

A less time-consuming method to find cheaper rates is to use a quote form that gets price quotes from a lot of companies. The form is fast, eliminates form submissions, and makes comparison shopping much easier. Once the form is submitted, your coverage is rated and you can choose any of the resulting price quotes. If you find a better price you can simply submit the application and buy the new coverage. This process takes less than 15 minutes and you’ll know if lower rates are available.

If you want to find out how much you can save on auto insurance, click here to open in new window and fill out the form. To compare your current rates, we recommend you replicate the coverages exactly as shown on your declarations page. Doing this assures you will have a price comparison for similar insurance coverage.

Tailor your car insurance coverage to you

When it comes to buying coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you could use an agent’s help.

• Does my policy cover my teen driver if they drive my company car?
• Should I bundle my homeowners policy with my auto?
• Is my dog or cat covered if injured in an accident?
• Do I need more liability coverage?
• Is motorclub coverage worth it?
• Do I need PIP (personal injury protection) coverage in my state?
• I have a DUI can I still get coverage?
• Do I have any recourse if my insurance company denies a claim?
• Why does it cost so much to insure a teen driver?
• Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Coverage specifics

Learning about specific coverages of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage 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 coverage pays for things such as theft, vandalism, falling objects and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like chiropractic care, pain medications, X-ray expenses, hospital visits and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Liability coverage

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things such as pain and suffering, structural damage, medical services and attorney fees. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Auto collision coverage

This pays for damage to your Continental GTC Speed from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like backing into a parked car, scraping a guard rail, crashing into a ditch, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Keep this in mind

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped full coverage to discover at claim time that the savings was not a smart move. Your objective should be to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.

Some insurance coverage companies don’t offer the ability to get a quote online and most of the time these regional carriers only sell coverage through independent agents. Discount 2010 Bentley Continental GTC Speed insurance can be purchased from both online companies and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

We just showed you a lot of ways to compare 2010 Bentley Continental GTC Speed insurance prices online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest prices are with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

Much more information about insurance coverage can be read at these links:

• Liability Insurance Coverage (Nationwide)
• Think You’re a Safe Driver? (State Farm)
• Understanding Car Crashes Video (iihs.org)
• What is Covered by GAP Insurance? (Allstate)