Compare 2015 Bentley Continental GT Car Insurance Quotes

Want cheaper insurance coverage rates for your Bentley Continental GT? If you’re new to shopping for insurance coverage quotes online, chances are good that you are overwhelmed thanks to all the different types of online companies that all promise the best rates.

You should make it a habit to check insurance coverage prices on a regular basis since prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on Continental GT insurance a year ago other companies may now be cheaper. You can search a lot of insurance coverage out there, but by reading this article, you’re going to learn the best ways to lower your insurance coverage bill.

Bentley Continental GT insurance prices can be lower

Many things are considered when pricing auto insurance. A few of the factors are predictable such as your driving history, but other criteria are less obvious such as your marital status or how financially stable you are.

• Youthful vs. older drivers – Drivers with little experience are known to be less responsible with other occupants in the car therefore insurance coverage rates are much higher. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
• Costs and your address – Having an address in less populated areas is a positive aspect when it comes to insurance coverage. City drivers tend to have more road rage incidents and longer commute times. Fewer people means fewer accidents.
• Stay claim-free and save money – Companies give better rates to drivers who are claim-free. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
• Single drivers take more risk – Having a wife or husband actually saves money on your insurance coverage bill. Having a spouse generally demonstrates drivers are less irresponsible and insurance companies reward insureds because married drivers tend to file fewer claims.
• Save money by having excellent credit – Having a good credit rating can be a huge factor in determining your rates. People that have excellent credit scores tend to be better risks to insure as compared to drivers with poor credit. Therefore, if your credit history is low, you could pay less to insure your 2015 Bentley Continental GT by improving your credit score.
• Rental and towing coverage may not be needed – There are a lot of add-on coverages that can waste your money if you aren’t careful. Things like rental car reimbursement, better glass coverage, and additional equipment coverage are some examples. These may sound like a good investment when you first buy your policy, but now you might not need them so get rid of them and save.
• Prevent theft and save – Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.

Compare quotes for insurance

All the larger insurance companies like 21st Century, Allstate and State Farm allow consumers to get pricing direct online. Obtaining pricing is possible for anyone as you just type in as requested by the quote form. After the form is submitted, their system automatically retrieves your credit score and driving record and returns a price quote.

Being able to quote online makes it a lot easier to compare rates but the time required to go to different websites and enter the same data into a form can be a bit tiresome and repetitive. But it’s necessary to compare as many rates as possible in order to get the best price on insurance.

An easier way to lower your rates uses one simple form to obtain quotes from multiple companies. It saves time, eliminates repetitive work, and makes price shopping online much easier. After sending the form, it gets priced and you can select any one of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and buy the policy. It can be completed in less than 10 minutes and you’ll know if lower rates are available.

To compare rates using this form now, click here to open in a new tab and submit the form. To compare your current rates, we recommend that you enter the coverage information just like they are on your policy. This ensures you will be getting a price comparison based on identical coverages.

Cheap car insurance rates with discounts

Car insurance can cost a lot, but discounts can save money and there are some available that can help lower your rates. Certain reductions will be credited at the time you complete a quote, but some need to be manually applied before they will apply. If they aren’t giving you every credit you deserve, you are just wasting money.

• Seat Belts Save – Buckling up and requiring all passengers to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
• Discount for Life Insurance – Car insurance companies who offer life insurance give a break if you buy a life policy as well.
• Club Memberships – Belonging to certain professional organizations could earn you a nice discount on your next renewal.
• Driver’s Education for Students – Cut your cost by having your teen driver participate in a local driver’s education class if it’s offered in school.
• Fewer Miles Equal More Savings – Driving fewer miles can earn substantially lower premium rates.
• Savings for New Vehicles – Adding a new car to your policy can be considerably cheaper since new vehicles have better safety ratings.
• Accident Forgiveness Coverage – but companies like Progressive, Allstate, and Geico allow you one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.

Keep in mind that most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

If you would like to view insurance companies who offer car insurance discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

• Do I have newly-aquired coverage?
• Am I covered if I crash into my own garage door?
• I have a DUI can I still get coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What is medical payments coverage?
• Should I put collision coverage on all my vehicles?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverages 101

Knowing the specifics of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Bentley Continental GT.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses like funeral costs, ambulance fees, hospital visits, X-ray expenses and prosthetic devices. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, damage from flooding, theft, fire damage and rock chips in glass. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Continental GT resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, damaging your car on a curb, colliding with a tree, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Liability coverage

This protects you from damage or injury you incur to other’s property or people. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as loss of income, court costs, legal defense fees, pain and suffering and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Quote often and quote early

Cheaper 2015 Bentley Continental GT insurance is attainable from both online companies in addition to local insurance agencies, and you should be comparing both to have the best selection. Some insurance providers do not provide online quoting and many times these regional carriers work with independent agents.

Consumers switch companies for many reasons like poor customer service, policy cancellation, being labeled a high risk driver or even extreme rates for teen drivers. Whatever your reason, switching companies is actually quite simple.

Throughout this article, we presented a lot of tips how to lower your 2015 Bentley Continental GT insurance rates. It’s most important to understand that the more companies you get car insurance rates for, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a smaller regional carrier.

Helpful articles

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)