Save on 2010 Bentley Continental GT Insurance Quotes

Searching for cheaper insurance rates for your Bentley Continental GT? Nobody likes paying for insurance, especially when the cost is too high.

Drivers have multiple insurance companies to buy insurance from, and though it is a good thing to be able to choose, it can be more difficult to compare rates and cut insurance costs.

It’s a good habit to take a look at other company’s rates occasionally because rates trend upward over time. Even if you think you had the lowest rates for Continental GT insurance last year you may be paying too much now. You can find a lot of wrong information about insurance on the internet, so by reading this article, you’re going to learn some guaranteed methods to reduce your insurance bill.

Do you qualify for discounts?

Car insurance can cost a lot, but companies offer discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but a few need to be manually applied in order for you to get them.

  • Sign Early and Save – Some companies give discounts for buying a policy before your current policy expires. It can save you around 10%.
  • Save over 55 – Older drivers can possibly qualify for a discount up to 10% for Continental GT insurance.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Continental GT insurance than less cautious drivers.
  • Organization Discounts – Being a member of a civic or occupational organization may earn a discount on your policy for Continental GT insurance.
  • Accident Waiver – Some insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.

It’s important to note that most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, it just doesn’t work that way. Any amount of discount will cut your overall premium however.

For a list of companies offering auto insurance discounts, follow this link.

How to Compare Insurance Quotes

There are multiple methods to shop for 2010 Bentley Continental GT insurance, but some are more efficient than others. You can waste hours discussing policy coverages with agents in your area, or you can utilize the internet to get rates in a matter of minutes.

All the larger companies participate in a marketplace where insurance shoppers complete one form, and at least one company then gives them pricing based on that data. This saves time by eliminating quotation requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here to start a free quote.

The only downside to doing it this way is you are unable to specify which carriers you want to price. So if you want to select individual companies to compare rates, we have a page of the cheapest insurance companies in your area. Click here to view list.

However you get your quotes, make darn sure you compare apples-to-apples deductibles and coverage limits on every quote you get. If you use different values for each quote you can’t possibly determine the best price for your Bentley Continental GT. Having just a slight variation in coverage limits can result in a big premium difference. And when comparison shopping, comparing more company’s prices provides better odds of finding a better price.

Don’t assume everyone needs the same coverage

When choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique and your policy should reflect that. These are some specific questions may help you determine whether or not you might need professional guidance.

  • Are all vehicle passengers covered by medical payments coverage?
  • Should I rate my 2010 Bentley Continental GT as pleasure use or commute?
  • What is the difference between comprehensive and collision coverage?
  • Is my ex-spouse still covered by my policy?
  • Is my 2010 Bentley Continental GT covered for flood damage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my insurance cover a custom paint job?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Parts of your car insurance policy

Having a good grasp of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most car insurance policies.

Liability auto insurance

Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like structural damage, emergency aid, pain and suffering, repair costs for stationary objects and court costs. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your Continental GT from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like funeral costs, dental work, doctor visits and ambulance fees. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Bentley Continental GT.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, fire damage, hitting a deer and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Shop Smart and Save

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

We’ve covered a lot of tips how to save on 2010 Bentley Continental GT insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance coverage comes from the smaller companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

Cheaper insurance is available on the web in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

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