2013 Bentley Continental GTC Insurance Quotes – 8 Tips to Save

Did a good deal turn into an underperforming, overpriced car insurance policy? Believe me when I say many drivers have buyer’s remorse. Due to the abundance of insurance companies to choose from, it is very difficult to find a more affordable company.

Consumers should take time to get comparison quotes yearly because prices are constantly changing. Even if you got the best price for Continental GTC coverage a few years ago there may be better deals available now. You’ll find a ton of advice on car insurance on the web, but you can learn the best ways to lower your car insurance bill.

Insurance discounts are available to slash your rates

Insurance can be pricey, but there’s a good chance there are discounts that you may not know about. A few discounts will automatically apply when you purchase, but some may not be applied and must be inquired about prior to receiving the credit. If you check and find you aren’t receiving every discount you deserve, you may be paying too high a price.

  • Anti-theft Discount – Cars optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • Telematics Data Discounts – Drivers who elect to allow driving data submission to monitor where and when they drive by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they are good drivers.
  • Early Switch Discount – Some insurance companies provide a discount for switching companies before your current coverage expires. It can save you around 10%.
  • Accident-Free Discounts – Good drivers with no accidents pay less as compared to insureds who have frequent claims or accidents.
  • College Student – Older children who live away from home to go to college and do not have access to a covered vehicle could get you a discount.
  • Discounts for Responsible Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Continental GTC coverage than their less cautious counterparts.
  • Driver Training Discounts – Successfully completing a safe driver course can save you 5% or more and also improve your driving technique.
  • Early Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid the installment charge.

As a sidenote, some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think all those discounts means the company will pay you, you aren’t that lucky.

A few companies that may offer policyholders these money-saving discounts are:

If you need low cost insurance quotes, ask all the companies which credits you are entitled to. Some discounts listed above might not be available to policyholders in your area. To choose insurers with discount rates, follow this link.

Everyone needs different auto insurance coverages

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. For instance, these questions may help highlight if you could use an agent’s help.

  • Do I need medical payments coverage since I have good health insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • How do I buy GAP insurance?
  • Am I covered by my spouse’s policy after a separation?
  • Does coverage extend to my business vehicle?
  • Do I have coverage if my license is suspended?
  • How much can I save by bundling my policies?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Are insurance companies telling the truth?

Consumers can’t ignore all the ads that promise big savings for switching by companies like 21st Century, Allstate and State Farm. They all advertise the message that people will save if you just switch to them.

But how can every company cost less than your current company? This is the trick they use.

Many companies have specific criteria for the type of driver they prefer to insure. A good example of a desirable insured may need to be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. Anybody who meets those qualifications receive the lowest rate quotes and most likely will save when they switch companies.

Potential insureds who are not a match for this stringent profile must pay higher premium rates which translates to the customer buying from someone else. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save that much when switching. This is how insurance companies can lure you into getting a quote.

Each company has different criteria, so drivers should compare price quotes frequently. You cannot predict which insurance companies will provide the lowest prices.

Insurance policy coverages for a Bentley Continental GTC

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Bentley Continental GTC.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.

Coverage for collisions

Collision insurance pays for damage to your Continental GTC caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, driving through your garage door, colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a bird, a broken windshield and hail damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability insurance

Liability coverage can cover damage that occurs to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims like legal defense fees, loss of income and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like surgery, nursing services and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Pennies from heaven

Some insurance companies do not provide internet price quotes and many times these smaller companies work with independent insurance agents. Cheaper 2013 Bentley Continental GTC insurance is attainable both online and also from your neighborhood agents, and you should be comparing both to have the best rate selection.

Throughout this article, we presented a lot of tips how to shop for 2013 Bentley Continental GTC insurance online. The most important thing to understand is the more providers you compare, the better likelihood of getting low cost insurance. You may even find the best premium rates are with a small local company. Smaller companies often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.

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

Comments About 2013 Bentley Continental GTC Insurance

  1. Ngoc Nicholson

    Thanks for putting this site together. I’m just east of Grand Rapids, MI. Not sure of all the companies but I ended up saving about $60 each month. Left Sentry to switch. A clean driving record helps. :)

  2. Cornell Thompson

    It all costs too much. I’m in the south part of Fairbanks, AK. Went online for free insurance quotes for a 2013 Bentley Continental GTC. Ended up at about $330 savings annually. Went with State Farm. I even had a DUI years ago. Are quotes cheaper online?

  3. Valery Chavez

    I live north of Idaho Falls, ID. I got free rates from USAA, Auto-Owners, Hartford, and Sentry for my Continental GTC and saved $319 a year. I have several vehicles insured with them. Just waiting to see how claims go.

  4. Margit Santiago

    Mine is so expensive. Proud to be from Phoenix, Arizona. I quoted with 21st Century, Eastwood, and GMAC for my Continental GTC and saved $241 a year.

  5. Shantell Finley

    Lots of useful info here. I live in a small town just outside of Knoxville, TN. Received prices from Allstate, Amica, Erie, and The General for my Bentley and I think I saved around $40 each month. Insured with Esurance before. A clean driving record helps. Just go online and compare their rates.

  6. Tyesha Weaver

    If you don’t have tickets and are close to Jackson, MS, check out 21st Century. I saved quite a bit. Even increased my liability limits. Not sure about claim service.

  7. Barrett Nelson

    I got a good deal I think. I live in a small town just outside of Kailua, HI. I compared lots of rates. Saved right around $40 a month. State Farm was the cheapest for me. I got a quote from their website.

  8. Shalonda Flores

    Like your site, BTW. From a town just southwest of Des Moines, Iowa. Received rates from Progressive, Auto-Owners, and some I forget for my Continental GTC and I’m now saving $18 a month.

  9. Johnny Buckley

    Like your site, BTW. From northwest of Kansas City, MO. Not sure of all the companies but I ended up saving about $50 each month. Was with State Farm. It never hurts to quote around.

  10. Viva Shaw

    I live south of Lincoln, NE. I quoted with State Farm, AIG Insurance, and Erie for my Continental GTC and saved $326 a year. Even increased my liability limits.

  11. Saran Mccarty

    Do I have to carry car insurance in Minnesota?

  12. Cherelle Cotton

    I’m in the suburbs of Augusta, Georgia. I got free quotes with American Family, Mercury, and a few others for my 2013 Bentley Continental GTC and cut my rates about $490 a year. Left Travelers to switch. Still almost need a second mortgage.

  13. Celina Dyer

    Affordable car insurance is a myth. Checking in from Louisville, KY. Quoted quotes from Progressive, Esurance, and Hanover for my Continental GTC and I think I cut my rates about $30 each month. Even increased my liability limits. Still almost need a second mortgage.

  14. Lucien Mueller

    Good detail in your article. Live in the western part of Salem, OR. Quoted quotes with USAA, American Family, GMAC, and Safeco for my Continental GTC and I think I saved around $60 each month. They have a lot of discounts available. Bought it from an online quote.

  15. Fidel Floyd

    2013 Bentley Continental GTC + Progressive = GOOD RATES!

  16. Cecille Burch

    I can’t pay high rates. I live in Paterson, NJ. Compared rates from a lot of places. Saved right around $40 a month. GEICO was the most affordable for me. Left Erie to switch. It’s still not cheap enough.

  17. Caitlyn Ratliff

    I live just outside Provo, UT. Got free quotes online for a 2013 Bentley Continental GTC. Ended up at about $290 savings annually. Went with 21st Century. It’s easy to compare rates online now.

  18. Piedad Foley

    Anyone know if Allstate does SR-22s?

  19. Noelia Oneill

    It’s all a rip off. I’m just west of Tampa, FL. I compared lots of rates. Saved darn near $50 a month. Allstate was the cheapest option for me.

  20. Garnet Pollard

    I got quite a few price quotes for a 2013 Bentley Continental GTC in Knoxville, TN. Ended up at right around $420 every six months with AIG Insurance. Good multi-policy discounts.

  21. Karisa Joyce

    What is comprehensive coverage?

  22. Andy Rivas

    I found pretty cheap rate quotes for a 2013 Bentley Continental GTC in New Orleans, LA. Ended up at darn near $200 every six months with American Family. Moved home policy as well. Did it all online.

  23. Michele Solis

    If you’re from North Charleston, South Carolina get quotes from Allstate and GEICO and you might save.

  24. Jeanine Castaneda

    If you have a good history and live around Springfield, MA, check out GEICO. I saved quite a bit. Insured with Erie before. Did it all online.