Save on 2014 Bentley Continental GT Car Insurance Rates

Trying to find the cheapest insurance rates? Buyers have a choice when searching for affordable Bentley Continental GT insurance. They can either spend hours struggling with agents getting price quotes or use the internet to make rate comparisons. There are both good and bad ways to buy insurance so we’re going to tell you the best way to price shop coverage for a new or used Bentley and find the lowest price either online or from local insurance agents.

Consumers need to compare rates as often as possible because insurance prices trend upward over time. Even if you think you had the best price for Continental GT insurance at your last renewal you can probably find a better rate quote now. You’ll find quite a bit of inaccurate information about insurance out there, but you can learn the best ways to quit paying high insurance rates.

Finding the best rates is quite easy. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Consumers just need to learn the most effective way to compare prices online.

Don’t overlook these car insurance discounts

Insurance can cost an arm and a leg, but you can get discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but once in a while a discount must be inquired about prior to receiving the credit.

  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower car insurancerates if you buy some life insurance in addition to your auto policy.
  • Safety Course Discount – Passing a class that teaches safe driver techniques could save 5% or more if your company offers it.
  • Distant Student Discount – Youth drivers who are attending college and do not take a car to college could get you a discount.
  • ABS Braking Discount – Cars and trucks with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Mature Driver Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Continental GT insurance.
  • Military Rewards – Being deployed in the military could mean lower rates.
  • Clubs and Organizations – Being a member of a civic or occupational organization could earn you a nice discount on car insurance.
  • Early Switch Discount – Some car insurance companies reward drivers for buying a policy before your current policy expires. You may see this discount when you get car insurance quotes online.

A little disclaimer on discounts, some credits don’t apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, nobody gets a free ride.

The best car insurance companies and their possible discounts include:

  • State Farm has discounts for good driver, driver’s education, student away at school, Steer Clear safe driver discount, multiple policy, accident-free, and safe vehicle.
  • Progressive discounts include online signing, multi-vehicle, good student, continuous coverage, and online quote discount.
  • Progressive has savings for continuous coverage, multi-policy, online quote discount, multi-vehicle, and good student.
  • MetLife may include discounts for good driver, defensive driver, multi-policy, good student, and claim-free.
  • Farm Bureau offers premium reductions for renewal discount, good student, multi-policy, safe driver, and multi-vehicle.
  • GEICO includes discounts for good student, federal employee, multi-policy, multi-vehicle, defensive driver, air bags, and emergency military deployment.
  • SAFECO may have discounts that include safe driver, teen safe driver, accident prevention training, anti-theft, drive less, homeowner, and anti-lock brakes.

If you want cheap car insurance quotes, ask every company to give you their best rates. Some of the discounts discussed earlier may not be offered in your state. To find car insurance companies that offer discounts, follow this link.

How insurance providers calculate Bentley Continental GT insurance prices

A large part of saving on insurance coverage is knowing some of the elements that are used to determine the price you pay for insurance coverage. When you know what positively or negatively influences your rates, this allows you to make educated decisions that could result in lower insurance coverage prices.

  • Policy add-ons may not be needed – There are many extra coverages that may not really be needed on your insurance coverage policy. Coverage for things like replacement cost coverage, better glass coverage, and membership fees are examples of these. The coverages may be enticing when buying your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Do thieves like your car? – Selecting a car model with an alarm system can save you some money. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping your car from being stolen.
  • Does insurance coverage cost less for gals? – Statistics demonstrate that men are more aggressive behind the wheel. The data does not necessarily mean that females are better at driving than males. Both sexes tend to get into accidents in similar percentages, but men tend to have more serious accidents. Men also statistically get cited for more serious violations such as reckless driving. Male teenagers generally have the highest accident percentage and therefore have the most expensive insurance coverage rates.
  • Save money by raising physical damage deductibles – Your deductibles define how much you are required to pay before a claim is paid by your company. Protection for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of covered claims would be collision with another vehicle, hail damage, or theft of your vehicle. The higher the amount you have to pay, the better rate you will receive for Continental GT insurance.
  • Cheaper rates after marriage – Getting married can get you a discount compared to being single. Having a spouse is viewed as being more financially stable and statistics prove married drivers tend to have fewer serious accidents.
  • Cautious drivers pay less – Drivers who don’t get tickets get better prices compared to bad drivers. Getting just one ticket may increase your cost forty percent or more. Drivers who get careless violations like DUI or willful reckless driving may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to prevent a license revocation.
  • With age comes lower premiums – More mature drivers are more cautious drivers, file fewer claims and get fewer tickets.Teenage drivers have been known to be less responsible with other occupants in the car so insurance coverage rates are higher.
  • Rates can change based on your address – Being located in less populated areas of the country has definite advantages when shopping for auto insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. City drivers have to deal with more aggressive driving styles and more severe claims. Higher commute times means more chance of being in an accident.

When to get professional advice

When buying adequate coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether you would benefit from an agent’s advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • How do I buy GAP insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if I break a side mirror?
  • What if I don’t agree with a claim settlement offer?
  • Is my custom paint covered by insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Will you really save $384 on insurance?

Drivers can’t avoid all the ads for insurance savings by companies like State Farm, GEICO and Progressive. All the ads make the same claim that drivers can save some big amount if you move your policy.

That’s great but how can every company make almost identical claims? This is how they do it.

Many companies give the best rates for the type of customer that will be a good risk. A good example of a profitable customer might be described as married and over the age of 30, owns their home, and drives a lower-performance vehicle. A driver who matches those parameters will probably get the lowest rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t measure up to this ideal profile may be forced to pay higher prices which leads to the customer not buying. The trick companies use is to say “customers that switch” not “everyone who quotes” save that much money. That’s the way companies can truthfully make claims like that. This really illustrates why it’s extremely important to get as many free car insurance quotes as possible. You cannot predict which company will be your best fit.

Car insurance policy coverages for a 2014 Bentley Continental GT

Knowing the specifics of your car insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Bentley Continental GT.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, scraping a guard rail, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, falling objects, a tree branch falling on your vehicle, hitting a bird and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like loss of income, bail bonds, pain and suffering and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like chiropractic care, surgery, funeral costs, doctor visits and hospital visits. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Take this to the bank

Consumers switch companies for a number of reasons such as high prices, unfair underwriting practices, poor customer service or even policy cancellation. Regardless of your reason, finding a new auto insurance company is easier than you think.

Low-cost 2014 Bentley Continental GT insurance can be found from both online companies and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some companies may not have rates over the internet and these small, regional companies provide coverage only through local independent agents.

You just learned a lot of tips how to lower your 2014 Bentley Continental GT insurance prices. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding cheaper car insurance. You may even find the best prices are with a lesser-known regional company.

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Comments About 2014 Bentley Continental GT Insurance

  1. Tessa Gregory

    Not sure if this is cheap. I’m in the south part of Louisville, KY. Received rates from USAA, Auto-Owners, Hartford, and Mercury for my Bentley and I’m now saving $36 a month. Left Encompass to switch.

  2. Mariah Osborne

    Cheap car insurance? What’s that? Found cheapest coverage with American Family for my Bentley and am saving around $400 a year. Even increased my liability limits.

  3. Keesha Sykes

    What does medical payments cover?

  4. Kristy Gillespie

    Does Allstate offer good discounts?

  5. Susannah Singleton

    All companies are crooks. From a town just southwest of Owensboro, KY. Went online for free insurance quotes for a 2014 Bentley Continental GT. Ended up at about $320 savings annually. Went with 21st Century. Left The General to switch. I get a discount for insuring multiple vehicles.

  6. Shanti Mcconnell

    If you have a clean record and live near Boise, ID, check out State Farm. You might save some money. Can still barely afford it.

  7. Dagny Stevenson

    Affordable car insurance is a myth. I live just outside Colorado Springs, CO. Received quotes with 21st Century, American Family, and some I forget for my 2014 Bentley Continental GT and saved just over $160 a year. Have an at-fault accident tho. It never hurts to quote around.

  8. Shonna Barker

    If you’re around Raleigh, NC try State Farm and Progressive and see which is cheaper.

  9. Edwina Beck

    Affordable car insurance is a myth. Quoted with Safeco for my Continental GT and am saving around $120 a year.

  10. Sharika Thompson

    Any claims experience with State Farm in Greensboro, NC?

  11. Olivia Odom

    I can’t pay high rates. I’m in the suburbs of Oklahoma City, OK. Went online for free insurance quotes for a 2014 Bentley Continental GT. Ended up at about $530 savings annually. Went with State Farm. Just waiting to see how claims go.

  12. Kourtney Thornton

    Went with Travelers for my Continental GT and saved around $390 a year. I get multi-vehicle and multi-policy discounts.