Searching for the cheapest insurance coverage rates? Consumers have a choice when looking for the best price on Bentley Continental GT insurance. They can either spend hours calling around trying to get quotes or use the internet to get rate quotes.
There are more efficient ways to compare insurance coverage rates so you’re going to learn the proper way to price shop coverage for a Bentley and find the lowest price from both online companies and local agents.
This information will tell you how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Drivers just need to understand the proper methods to get comparison rates online.
Getting a lower price on 2015 Bentley Continental GT insurance can be surprisingly simple. Consumers just need to take a few minutes comparing rate quotes provided by online insurance companies. This can be done in several different ways.
Which method you use is up to you, but double check that you are using identical coverage limits and deductibles with every price quote. If you are comparing different values for each quote it’s not possible to make a fair comparison for your Bentley Continental GT.
When choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.
These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.
Having a good grasp of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Bentley Continental GT.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
This coverage covers damage to your Continental GT from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP provide coverage for expenses for things like dental work, prosthetic devices and funeral costs. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay
Liability coverage will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover 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 policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for claims such as emergency aid, repair bills for other people’s vehicles and structural damage. How much coverage you buy is up to you, but buy as large an amount as possible.
Comprehensive auto coverage
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as falling objects, damage from flooding, theft and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.