2012 Bentley Continental GT Car Insurance Quotes

Searching for cheaper car insurance rates for your Bentley Continental GT? No one in their right mind rejoices having to buy car insurance, particularly when the cost is way too high. Because you have many online and local companies to choose from, it is hard for the average consumer to pick the best car insurance provider.

You should take the time to get comparison quotes on a regular basis because insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rates on Continental GT coverage six months ago you may be paying too much now. Ignore everything you know about car insurance because it’s time to teach you the things you must know in order to properly buy coverages and cut your premium.

Compare insurance coverage price quotes online

There are several ways to shop for insurance coverage, but one way is easier and takes less work. You could waste a few hours talking to agents in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

All the larger companies belong to a marketplace that allows shoppers to submit one quote, and each participating company then gives them pricing based on that data. This system prevents you from having to do quote forms to every company.

To compare rates using this form now click to open in new window.

One minor caviat to pricing coverage this way is you don’t know exactly which companies you want to price. If you prefer to choose individual companies for rate comparison, we have a page of companies who write insurance coverage in your area. Click to view list.

Compare rates however you want, just make darn sure you compare exactly the same coverages with each company. If each company quotes mixed coverages it’s not possible to determine which rate is truly the best.

Insurance coverage discounts are available to slash your rates

Auto insurance companies don’t list all available discounts in a way that’s easy to find, so the below list has a few of the more well known and also the lesser-known credits available to lower your premiums when you buy insurance online.

• ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
• Multi-policy Discount – If you combine your auto and home policies with the same insurance company you could get a discount of 10% to 20% off each policy.
• Clubs and Organizations – Affiliation with a professional or civic organization could earn you a nice discount on your policy.
• 55 and Retired – If you qualify as a senior citizen, you may qualify for a small discount on rates on Continental GT coverage.
• Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school or through a local driver safety program.
• Renewal Discounts – A few larger companies allow discounts for buying a new policy before your current policy expires. You may see this discount when you get insurance quotes online.
• Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy auto and life insurance together.
• Own a Home and Save – Simply owning a home can earn you a little savings because it requires a higher level of personal finance.
• Seat Belts Save – Buckling up and requiring all passengers to buckle up before driving can save a little on the premium charged for medical payments and/or PIP.
• Pay Early and Save – By making one initial payment instead of making monthly payments you could save 5% or more.

It’s important to note that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as medical payments or collision. Even though it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

Companies and their possible discounts include:

• American Family has discounts for TimeAway discount, mySafetyValet, Steer into Savings, early bird, and good student.
• Nationwide includes discounts for multi-policy, defensive driving, accident-free, family plan, business or organization, and good student.
• MetLife may offer discounts for accident-free, defensive driver, multi-policy, claim-free, and good student.
• 21st Century policyholders can earn discounts including teen driver, automatic seat belts, theft prevention, 55 and older, and driver training.
• Farmers Insurance may include discounts for mature driver, good student, pay in full, electronic funds transfer, and distant student.
• Allstate offers discounts including economy car, multi-policy, safe driver, senior citizen, and anti-theft.

Before you buy a policy, ask every prospective company to apply every possible discount. Some discounts might not apply in every state. To see insurance coverage companies offering insurance coverage discounts, follow this link.

The Bentley Continental GT insurance rate equation

An important part of buying insurance is that you know a few of the rating criteria that help calculate your insurance rates. If you understand what influences your rates, this helps enable you to make changes that can earn you lower premium levels.

• Battle of the sexes – Statistics show that women are safer drivers than men. However, this does not mean males are worse at driving than females. Women and men get in accidents at about the same rate, but the male of the species have accidents that have higher claims. Men also tend to have more aggressive citations such as DWI and reckless driving. Male teenagers are most likely to cause an accident and therefore are the most expensive to insure.
• Good credit equals lower premiums – Credit score will be a significant factor in determining your rates. Drivers with good credit tend to file fewer claims than drivers who have lower credit ratings. Therefore, if your credit score leaves room for improvement, you could pay less to insure your 2012 Bentley Continental GT by repairing your credit.
• Teen vs. older drivers – Drivers with little experience have a tendency to be more careless with other occupants in the car and because of this, their insurance rates are much higher. Adding a inexperienced driver to your policy can cause a big jump in price. Older people are more responsible, statistically cause fewer accidents and receive fewer citations.
• Costs can change based on your address – Residing in areas with lower population is a good thing when insuring your vehicles. Fewer people means reduced accidents in addition to fewer liability claims. Residents of big cities have to deal with more auto accidents and more time behind the wheel. The longer drive time means more chances of being involved in an auto accident.
• Raising coverage deductibles saves money – Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Some coverage claims are collision with another vehicle, vandalism, and having your car stolen. The deductibles you choose represent how much money you are required to spend out-of-pocket if a claim is determined to be covered. The more of the claim the insured is willing to pay, the less your insurance will be on Continental GT coverage.
• Drive lots and pay more – The more you drive in a year’s time the higher your rates will be. Many insurance companies charge rates based upon how much you drive. Cars that have low annual miles qualify for better rates than cars that get driven a lot. Having an incorrect usage rating on your Continental GT is throwing money out the window. Make sure your insurance policy properly reflects the correct usage, because it can save money.
• Reserve claims for larger damages – Insurance companies give better rates to insureds who only file infrequent claims. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Your car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Everyone needs different auto insurance coverages

When buying the best auto insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions can help discover whether or not you could use an agent’s help.

• Do I really need UM/UIM coverage?
• Do I have coverage when pulling a U-Haul trailer?
• What exactly is covered by my policy?
• What is the minimum liability in my state?
• Am I covered if I hit a deer?
• Does my personal policy cover me when driving out-of-state?
• Is my camper covered by my car insurance policy?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered by my spouse’s policy after a separation?
• Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Can you really save if you switch?

Consumers get pounded daily by advertisements that claim the cheapest car insurance rates by companies like State Farm and Allstate. All the ads have a common claim that people will save if you just switch your policy.

How can each company offer you a better deal? This is the way they can do it.

Insurance companies look for specific characteristics for the type of insured that will add to their bottom line. One example of a desirable risk might be described as over the age of 45, has had continuous coverage, and has great credit. A customer that matches those criteria will get low prices and will most likely cut their rates substantially.

Potential customers who fall short of these stringent criteria will see higher premiums and ends up with the customer buying from someone else. The wording the ads use say “people that switch” but not “everyone who gets a quote” save that much money. That’s the way insurance companies can claim big savings. Different companies use different criteria so you really need to do a price quote comparison at every renewal. It’s just not possible to know the company that will have the lowest premium rates for your situation.

Auto insurance 101

Understanding the coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, theft and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like rehabilitation expenses, prosthetic devices, X-ray expenses, hospital visits and ambulance fees. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants 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 damage to your Bentley Continental GT.

Due to the fact that 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.

Collision protection

This coverage covers damage to your Continental GT from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverages

This coverage protects you from damage that occurs to people or other property. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like repair costs for stationary objects, court costs, legal defense fees and structural damage. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Make a quick buck

In this article, we presented some good ideas how you can save on 2012 Bentley Continental GT insurance. The most important thing to understand is the more quotes you get, the better likelihood of getting low cost insurance. You may be surprised to find that the most savings is with a small local company. These smaller insurers may only write in your state and offer lower premium rates than their larger competitors like Progressive and Geico.

As you restructure your insurance plan, do not reduce coverage to reduce premium. There have been many cases where drivers have reduced uninsured motorist or liability limits only to regret that it was a big mistake. Your aim should be to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

More information is available on the following sites:

• Things to Know Before you Cancel Insurance (Allstate)
• Distracted Driving Statistics (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Driving in Bad Weather (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• Understanding your Policy (NAIC.org)