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.
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.
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.
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.
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.
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 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.
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.
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 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.
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: