Save on 2010 Bentley Continental GTC Speed Car Insurance Quotes

Looking for better insurance rates for your Bentley Continental GTC Speed? Having to pay for overpriced insurance can drain your personal savings and put a big crunch on your finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to tighten up your finances. Big-name insurance companies like Allstate and Progressive constantly bombard you with TV and radio ads and consumers find it hard to ignore the propoganda and find the best price available.

It’s a great practice to compare prices yearly because prices change regularly. If you had the lowest price for Continental GTC Speed insurance last year a different company probably has better rates today. Ignore everything you know about insurance because I’m going to let you in on the secrets to one of the quickest ways to get good coverage at a lower rate.

Discounts on Bentley Continental GTC Speed insurance

Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply at quote time, but some may not be applied and must be manually applied before you get the savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Government Employees – Employees or retirees of the government can earn a discount up to 10% for Continental GTC Speed insurance with select insurance companies.
  • Safe Drivers – Safe drivers may save up to 50% more for Continental GTC Speed insurance than drivers with accidents.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • College Student – Kids in college living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck. But any discount will bring down your overall premium however.

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

Bentley Continental GTC Speed rates are complex

It’s important that you understand the factors that help determine insurance rates. Having a good understanding of what determines base rates enables informed choices that will entitle you to big savings.

The following are a partial list of the pieces insurance companies consider when setting prices.

  • Your spouse saves you money – Having a wife or husband actually saves money on your policy. Having a significant other means you’re more mature and it’s proven that being married results in fewer claims.
  • Men fork out a little more – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Both sexes have accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving.
  • Do you have a high stress job? – Did you know your job can affect your rates? Careers like real estate brokers, executives and stock brokers have the highest rates in part from high stress levels and lengthy work days. On the other hand, occupations like pilots, students and performers get better rates for Continental GTC Speed insurance.
  • How many coverages with the same company – The majority of insurance companies provide better rates to people who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to compare other company rates to ensure the best deal.
  • Traffic citations inflate rates – Your driving record impacts your car insurance rates tremendously. Careful drivers get better rates compared to drivers with tickets. Only having one moving violation can boost insurance rates by twenty percent. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Drive less and save money – Driving more miles in a year the higher your rate. Almost all companies apply a rate based on how the vehicle is used. Cars that are left in the garage get more affordable rates compared to those used for work or business. Verify your insurance coverage is showing the proper vehicle usage. If your policy improperly rates your Continental GTC Speed can cost quite a bit.
  • Choose a safe vehicle and save – Vehicles with good safety scores can get you lower premiums. Safe vehicles protect occupants better and fewer injuries translates into savings for insurance companies and lower rates for you. If your Bentley Continental GTC Speed has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Your car’s features help determine rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.

Tailor your coverage to you

When choosing the right insurance coverage, there really is not a perfect coverage plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if you could use an agent’s help.

  • Do I need medical payments coverage since I have good health insurance?
  • What is covered by UM/UIM coverage?
  • When would I need rental car insurance?
  • What is PIP insurance?
  • What vehicles should carry emergency assistance coverage?
  • Is my nanny covered when driving my vehicle?
  • Is my custom paint covered by insurance?
  • Should I carry comprehensive and collision coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

The insurance coverage bait and switch

Consumers get pounded daily by advertisements for car insurance savings by companies like State Farm, Geico and Progressive. All the ads make an identical promise about savings if you change to them.

But how can every company claim to save you money? This is how they do it.

Different companies have a certain “appetite” for the driver that is profitable for them. For instance, a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and has a short commute. Any driver who fits that profile is entitled to the best price and therefore will save when they switch companies.

Potential insureds who don’t meet the requirements will be quoted a more expensive rate and this can result in business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can confidently advertise the way they do.

This emphasizes why it is so important to get as many quotes as possible. It’s impossible to know which insurance companies will provide you with the cheapest Bentley Continental GTC Speed insurance rates.

Car insurance specifics

Having a good grasp of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on most car insurance policies.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverage

This will cover damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, attorney fees, funeral expenses, court costs and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, hitting a mailbox, driving through your garage door, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Shop Smart and Save

When you buy insurance online, do not sacrifice coverage to reduce premiums. In many cases, someone dropped collision coverage only to regret that it was a big mistake. The proper strategy is to find the BEST coverage at a price you can afford, not the least amount of coverage.

We just showed you many tips how you can reduce 2010 Bentley Continental GTC Speed insurance prices online. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the best price on car insurance is with a company that doesn’t do a lot of advertising. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

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