Cheaper 2013 Bentley Continental GT Insurance Rates

Want the cheapest insurance rates for your Bentley Continental GT? Are you sick and tired of paying out the nose to buy car insurance? Your situation is no different than many other drivers. With consumers having so many insurance companies to choose from, it can be impossible to choose the cheapest car insurance company.

The purpose of this article is to let you in on how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Consumers only need to know the proper way to shop online.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be asked about prior to getting the savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • No Charge for an Accident – Some insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Safety Course Discount – Successfully completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on Continental GT insurance depending on your company.
  • Life Insurance Discount – Some companies give lower rates if you buy a life insurance policy as well.
  • Organization Discounts – Participating in a civic or occupational organization could trigger savings when buying auto insurance on Continental GT insurance.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Distant Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Bentley can qualify you for a substantially lower rate.
  • Discount for Swiching Early – Some companies give discounts for switching to them before your current policy expires. The savings is around 10%.

Drivers should understand that many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.

To see a list of providers who offer auto insurance discounts, click here.

Tailor your coverage to you

When buying the best insurance coverage, there is no single plan that fits everyone. Every situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

  • Am I covered when driving someone else’s vehicle?
  • Are split liability limits better than a combined single limit?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my custom paint covered by insurance?
  • When should I drop full coverage on my 2013 Bentley Continental GT?
  • What is medical payments coverage?
  • Do I need rental car coverage?
  • Am I covered if I break a side mirror?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Coverages available on your auto insurance policy

Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.

Comprehensive coverages – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hail damage, a broken windshield, hitting a deer, damage from a tornado or hurricane and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like dental work, rehabilitation expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision insurance covers damage to your Continental GT resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, crashing into a ditch, sideswiping another vehicle, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Bentley Continental GT.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Auto liability insurance – This coverage can cover injuries or damage you cause to other people or property that is your fault. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as attorney fees, repair costs for stationary objects, medical expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Smart shoppers get results

We covered some good ideas how you can get a better price on 2013 Bentley Continental GT insurance. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even discover the most savings is with some of the lesser-known companies. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Progressive or GEICO.

Cost effective insurance is available from both online companies as well as from independent agents, and you should be comparing both to have the best selection. Some car insurance companies don’t offer the ability to get a quote online and these small insurance companies work with independent agents.

To read more, take a look at the resources below: