Cheaper 2013 Bentley Continental GTC Insurance Cost

Want the cheapest insurance coverage rates for your Bentley Continental GTC? Finding lower rates for insurance coverage can be hard for consumers new to comparison shopping online. People have so many options available that it can turn into a lot of work to locate the lowest price.

Finding affordable protection can be fairly easy. In a nutshell, every driver who is required by state law to have insurance coverage most likely will be able to find better rates. But drivers should learn how the larger insurance companies market on the web and use this information to your advantage.

Compare Auto Insurance Costs

Shopping for lower auto insurance rates can be challenging if you don’t utilize the fastest way to get free quotes. You could spend your day talking about coverages with agents in your area, or you can stay home and use the web to get pricing more quickly.

Most major companies are enrolled in a marketplace that enables customers to enter their policy data once, and each company then gives them pricing based on that information. This saves time by eliminating form submissions for each company.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to comparing rates this way is you are unable to specify which providers to get quotes from. If you wish to select specific insurance companies for rate comparison, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but be sure to compare exactly the same coverages for every quote you compare. If you enter unequal deductibles or liability limits it will be very difficult to determine the lowest rate for your Bentley Continental GTC. Quoting even small variations in coverages may result in a large different in cost. And when quoting auto insurance, remember that comparing more company’s prices gives you a better chance of getting the best offered rates.

Cut your insurance coverage rates with discounts

Car insurance can cost a lot, but you can get discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be manually applied before you get the savings.

  • Safety Course Discount – Completing a driver safety course could cut 5% off your bill if your company offers it.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • No Accidents – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Accident Waiver – A few companies allow you one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.

Consumers should know that many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance coverage policy, you won’t be that lucky. But any discount will reduce your premiums.

Car insurance companies that may offer some of the above discounts include:

Check with each insurance company which discounts they offer. Savings may not be available in your area.

These factors can influence Bentley Continental GTC insurance rates

Consumers need to have an understanding of the rating factors that go into determining car insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

  • Increase deductibles and save – Physical damage deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims are colliding with a building, damage from fire, and windstorm damage. The more money you have to pay, the less your car insurance will be for Continental GTC insurance.
  • Women pay lower rates – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. They both are in accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
  • Don’t let your coverage lapse – Not having insurance can get your license suspended and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, failure to provide proof of insurance may earn you a steep fine or even jail time.You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Teen drivers pay high rates – Mature drivers are more responsible, tend to file fewer claims and are safer drivers. Youthful drivers are statistically proven to be careless and easily distracted in a vehicle and because of this, their car insurance rates are much higher.
  • Occupation reflects on rates – Occupations such as doctors, executives and stock brokers tend to have the highest rates because of high stress and long work days. On the other hand, professions such as actors, students and the unemployed receive lower rates for Continental GTC insurance.
  • Where you live is a factor – Living in small towns and rural areas can save you money when talking about car insurance. Urban drivers tend to have traffic congestion and much longer commute distances. Lower population translates into fewer accidents and a lower car theft rate.
  • Where do you drive? – The more miles you rack up on your Bentley in a year the higher your rate. Almost all companies apply a rate determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your car insurance policy is showing how each vehicle is driven, because it can save money. If your policy improperly rates your Continental GTC may be wasting your money.

You are unique and your insurance coverage should be too

When choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether you may require specific advice.

  • Can I afford low physical damage deductibles?
  • Do I need PIP (personal injury protection) coverage in my state?
  • At what point should I drop full coverage?
  • Do I have newly-aquired coverage?
  • Do I pay less for low miles?
  • Why is insurance for a teen driver so high?
  • Am I covered if I drive in a foreign country?
  • What is high-risk coverage and where do I buy it?
  • Am I covered when driving a rental car?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Save $495 a year? Really?

Insurance companies such as Progressive, Allstate and Geico continually stream television and radio advertisements. They all seem to say the same thing of big savings after switching to their company. But how can every company make the same claim?

All the different companies have a certain “appetite” for the driver that is profitable for them. A good example of a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and has great credit. A customer getting a price quote who fits that profile gets the lowest rates and most likely will pay quite a bit less when switching companies.

Potential customers who fall outside the “perfect” profile must pay more money which leads to business not being written. The ads say “customers that switch” but not “drivers who get quotes” save that much money. This is how companies can state the savings.

This illustrates why it is so important to get as many comparisons as possible. It is impossible to predict which insurance company will give you the biggest savings on Bentley Continental GTC insurance.

Specific coverage details

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like hospital visits, doctor visits, dental work, nursing services and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

This covers damage to your Continental GTC resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, driving through your garage door, backing into a parked car, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2013 Bentley Continental GTC.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

This can cover damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as structural damage, attorney fees, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Have the Midas touch

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. There have been many cases where an insured cut liability coverage limits and learned later that they should have had better coverage. Your goal should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

You just learned a lot of ways to shop for 2013 Bentley Continental GTC insurance online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the best price on insurance is with some of the lesser-known companies.

Affordable insurance is attainable from both online companies and with local insurance agents, so you should compare both to have the best selection. Some companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Additional insurance information can be read at these links: