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 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.
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.
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.
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.
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.
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.
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.
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.
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 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 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
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: