2005 Bentley Continental GT Insurance Quotes – 5 Tips to Save

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you there are lots of people in the same boat. Companies like State Farm, Farmers Insurance, Geico and Allstate increase brand awareness with catchy ads and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.

It’s a good habit to price shop coverage every six months because prices change regularly. Even if you think you had the best price on Continental GT insurance last year a different company probably has better rates today. Block out anything you think you know about auto insurance because we’re going to demonstrate one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

How much can you save with these five discounts?

Companies offering auto insurance do not list all available discounts in an easy-to-find place, so here is a list some of the best known and the harder-to-find insurance coverage savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Continental GT insurance than drivers with accidents.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.

Keep in mind that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

For a list of insurance companies with discount insurance coverage rates, follow this link.

How much car insurance do I need?

When choosing adequate coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might point out whether you may require specific advice.

  • Do all my vehicles need collision coverage?
  • Is rental equipment covered for theft or damage?
  • Are rock chip repairs covered?
  • When should my teen driver be added to my policy?
  • What is medical payments coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is no-fault insurance?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Can you really save that much by switching?

Consumers get pounded daily by advertisements that promise big savings by State Farm, Geico and Progressive. They all make an identical promise that you’ll save big after switching to their company.

How does each company make the same claim?

All companies are able to cherry pick for the driver that is profitable for them. A good example of a driver they prefer could possibly be between 25 and 40, is a homeowner, and has a high credit rating. A propective insured who fits that profile will get the preferred rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t qualify for the “perfect” profile will have to pay higher prices which usually ends up with business not being written. The ad wording is “customers that switch” not “everyone that quotes” save money. This is how companies can make those claims. Because of the profiling, it’s extremely important to get a wide range of price quotes. It is impossible to predict which company will give you the biggest savings on Bentley Continental GT insurance.

Car insurance coverage information

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by auto insurance companies.

Comprehensive auto insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a broken windshield, fire damage and damage from flooding. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, crashing into a ditch, hitting a mailbox and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Bentley Continental GT.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses such as funeral costs, nursing services, surgery and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Liability insurance

This coverage provides protection from injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as repair costs for stationary objects, repair bills for other people’s vehicles, pain and suffering and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Save your cold hard cash

Throughout this article, we presented quite a bit of information on how to compare 2005 Bentley Continental GT insurance prices online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a smaller regional carrier. These companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm or Progressive.

When shopping online for insurance, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at a price you can afford, not the least amount of coverage.

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