Save on 2007 Bentley Continental GT Insurance Quotes

Did you fall for a flashy sales pitch and buy an expensive insurance coverage policy? Say no more because many consumers are in the same pinch. Many auto insurance companies compete for your insurance dollar, so it can be very hard to choose a company and get the best coverage at the lowest rate

It’s a good habit to quote other rates yearly because prices change frequently. Even if you got the best rates for Continental GT coverage a couple years back you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to learn the best way to lower your rates without sacrificing coverage.

Low cost insurance

Finding cheaper 2007 Bentley Continental GT insurance quotes doesn’t have to be difficult. The only requirement is to invest a little time comparing rates to find the company with affordable auto insurance quotes. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the simplest ways to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This type of form prevents you from having to do separate quotes for each company. In just a few minutes this one form gets you coverage quotes from several companies.
  2. A harder way to find more affordable insurance requires a visit to each individual company website to complete a price quote. For sake of this example, let’s say you want to see prices from Allstate, GEICO and Farmers. To find out each rate you need to go to each individual site and enter your policy data, which is why the first method is more popular. For a list of companies in your area, click here.

The method you choose is up to you, but be sure you’re using equivalent coverage information for each quote you get. If your comparisons have different values for each quote you can’t possibly make a fair comparison for your Bentley Continental GT.

Tricks in auto insurance advertising

Consumers can’t avoid all the ads that claim the lowest car insurance rates by State Farm, GEICO and Progressive. All the companies have a common claim of big savings if you move to them.

How does each company give you a better price? This is the trick they use.

Different companies offer their best rates for the right customer that will be a good risk. For instance, a profitable risk profile should be between the ages of 30 and 45, has had continuous coverage, and drives newer vehicles. Any driver who fits those characteristics receive the lowest rate quotes and will probably save a lot if they switch.

People who do not fit those standards will be charged a higher premium and this can result in the customer not buying. The wording the ads use say “people that switch” not “everyone that quotes” save that much when switching. That’s the way insurance companies can confidently make those statements.

Because each company has a different risk profile, it’s extremely important to get auto insurance quotes as often as possible. Because you never know which insurance companies will have the lowest rates.

Are you qualifying for every discount?

Some providers don’t always publicize all possible discounts very well, so the following is a list of some of the best known and also the lesser-known ways to save on insurance. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Sign Online – A few insurance companies will give you a small discount get auto insurance over the internet.
  • Waiver for an Accident – This isn’t a discount exactly, but some companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before your rates go up if your claims history is clear before the accident.
  • Discount for Multiple Policies – If you can combine your auto and homeowners policy and place coverage with the same company you could get a discount of at least 10% off all policies.
  • Distant Student Discount – Older children who are attending college and don’t have a car could get you a discount.
  • Good Student Discount – Being a good student can earn a discount of 20% or more. You can use this discount normally until age 25.
  • Discounts for Government Workers – Active or former government employment may reduce rates when you quote auto insurance for Continental GT coverage but check with your company.
  • Multi-line Discount – Some insurance carriers give lower prices if you buy life insurance from them.
  • Discounts for Good Drivers – Insureds who avoid accidents could pay up to 40% less for Continental GT coverage than drivers with accidents.

One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you could get a free insurance policy, companies don’t profit that way.

A partial list of companies that may offer quotes with these benefits include:

Before you buy a policy, ask every company which discounts you qualify for. Some of the earlier mentioned discounts may not apply everywhere. To view insurance companies that offer some of these discounts, follow this link.

When in doubt talk to an agent

When it comes to buying the best insurance coverage coverage, there is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • Are my friends covered when driving my car?
  • Will my insurance pay for OEM parts?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When should I not file a claim?
  • What is no-fault insurance?
  • Is business property covered if stolen from my car?
  • Am I covered when driving someone else’s vehicle?
  • Do I need replacement cost coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage specifics

Knowing the specifics of your insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Liability auto insurance

This provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as emergency aid, structural damage, legal defense fees, court costs and bail bonds. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2007 Bentley Continental GT.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as ambulance fees, X-ray expenses, dental work and EMT expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, driving through your garage door, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane, falling objects and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Smart shoppers get results

We just covered quite a bit of information on how to compare 2007 Bentley Continental GT insurance rates online. It’s most important to understand that the more companies you get car insurance rates for, the higher your chance of finding inexpensive auto insurance. You may be surprised to find that the lowest rates are with a small mutual company. Regional companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

Lower-priced 2007 Bentley Continental GT insurance can be bought on the web and from local insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not provide the ability to get a quote online and usually these smaller providers sell through independent insurance agencies.

Even more information is located in the articles below: