Save on 2012 Bentley Continental GTC Insurance Rates

There isn’t anyone who is fond of buying insurance coverage, especially knowing they are paying too much.

There is such a variety of insurers to purchase coverage from, and though it is a good thing to have a choice, having more car insurance companies makes it harder to adequately compare rates.

This article will help educate you on the best way to quote coverages and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Nevertheless, consumers can benefit from knowing the way insurance companies price insurance differently because it can help you find the best coverage.

How to get insurance coverage quotes

To find low cost prices, there are a couple of ways to get quotes from companies that offer insurance coverage in your state. The best way to find competitive 2012 Bentley Continental GTC insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

  1. The best way to find low rates is to use a rate comparison form click here to open form in new window. This style of form keeps you from doing separate quotes for each company you want a rate for. A single form will get you price quotes from many national carriers.
  2. A more difficult way to compare rate quotes requires a trip to the website for every company you want to comare and go through the quote process again. For example, let’s say you want to get rates from Nationwide, Allstate and Liberty Mutual. To get rate quotes you would need to go to every website and enter your information, which can get rather old. To view a list of companies in your area, click here.
  3. The last method to compare price estimates to insurance agents’ offices. Buying insurance online makes this process obsolete unless you prefer the professional assistance that can only be provided by a licensed insurance agent. You can, however, price shop your coverage online but buy the policy through an agent.

The approach you take is up to you, just try to use apples-to-apples coverage limits and deductibles for each price quote. If you use unequal deductibles or liability limits it will be impossible to truly determine the lowest rate. Slightly different insurance coverages or limits can mean a large discrepancy in price. Just keep in mind that quoting more will improve the odds of getting a lower rate than you’re paying now.

Tailor your car insurance coverage to you

When choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.

  • Am I covered when driving a rental car?
  • Does insurance cover tools stolen from my truck?
  • What is an SR-22 filing?
  • How can I get my company to pay me more for my totalled car?
  • Do I have coverage for damage caused while driving under the influence?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Specifics of your insurance policy

Having a good grasp of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the usual coverages found on the average insurance policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Bentley Continental GTC.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, falling objects, hitting a deer, fire damage and rock chips in glass. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision insurance pays for damage to your Continental GTC resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses like hospital visits, nursing services, ambulance fees, chiropractic care and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

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

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as structural damage, attorney fees, court costs and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comments About 2012 Bentley Continental GTC Insurance

  1. Siu Kelly

    Will State Farm raise rates after an accident?

  2. Rhett Mathews

    I live just outside Boise, Idaho. Quoted with USAA, American Family, GMAC, and Nationwide for my 2012 Bentley Continental GTC and cut my rates about $500 a year. I get multi-vehicle and multi-policy discounts. :P

  3. Cyril Little

    I live on the west side of Billings, Montana. Received quotes from 21st Century, Amica, and Erie for my 2012 Bentley Continental GTC and saved around $290 a year. Left GMAC to switch. Good multi-policy discounts.

  4. Lance Carrillo

    Is State Farm cheaper than Progressive in Allentown, Pennsylvania?

  5. Shaquana Petty

    Lots of useful info here. I live just to the east of Raleigh, North Carolina. Got car insurance prices from GEICO, AIG Insurance, and some I forget for my 2012 Bentley Continental GTC and I’m now saving $65 a month. Thankfully I’m not a high risk driver.

  6. Antonia Conrad

    Anyone try to read their policy?

  7. Shawna Donaldson

    I live just outside Colorado Springs, CO. Got car insurance prices from Auto-Owners, Nationwide, and Travelers for my Continental GTC and saved just over $110 a year. Insured with AIG Insurance before. I even had a DUI years ago. Might find lower rates online.

  8. Keila Bell

    Does Progressive insure teenage drivers?

  9. Ma Cross

    Here’s what I found out. Live in the western part of Juneau, AK. I don’t recall every quote but I ended up saving about $40 each month. Left Hartford to switch. I get a discount for insuring multiple vehicles. Are quotes cheaper online?

  10. Garnett Mcdaniel

    Will GEICO raise rates for a rock chip claim?

  11. Consuela Barr

    I live in North Charleston, SC. Quoted with State Farm, Amica, and Encompass for my Continental GTC and I think I cut my rates about $40 each month. Was with Mercury. Have an at-fault accident tho.

  12. Malinda Brown

    Does Allstate have good claim service?

  13. Joe Ryan

    From a town just southwest of Virginia Beach, VA. Don’t remember every company but I ended up saving about $20 each month.

  14. Palma Byers

    All companies are crooks. From northwest of Louisville, Kentucky. Compared quite a few companies. Saved right around $30 a month. Progressive was the most affordable for me. Insured with USAA before. I just quoted rates online.

  15. Sparkle Morales

    Will State Farm do a SR22 in Birmingham, AL?

  16. Toney Conrad

    Well-written and thought out article. I’m just south of Mobile, Alabama. Received quotes with USAA, AIG Insurance, Hartford, and MetLife for my Continental GTC and I think I cut my rates about $50 each month. Was with GEICO. I have a teen driver too. I just quoted rates online.