How Much Does 2009 Bentley Continental GT Insurance Cost?

Expensive auto insurance can sap your funds and make it impossible to make ends meet. Vehicle owners have multiple auto insurance companies to buy insurance from, and although it’s a good thing to be able to choose, it can be more difficult to find a good deal.

How to get free car insurance quotes online

Finding more affordable 2009 Bentley Continental GT car insurance prices is surprisingly easy. The only thing you need to do is spend a few minutes to get quotes to find the company with inexpensive auto insurance quotes. Shoppers can get rates using a couple different methods.

  1. Probably the best way to find low rates would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do separate quotes for each price estimate. One simple form will return quotes direct from many companies.
  2. A more time consuming way to find more affordable insurance requires a visit to the website for every company you want to comare to complete their respective quote request forms. For example, we’ll assume you are doing a rate comparison from Liberty Mutual, Farmers and Progressive. In order to get each rate, you would have to take the time to go to each site to enter your coverage information, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverage limits and deductibles with each company. If you have different limits and deductibles on each one you will not be able to make a fair comparison for your Bentley Continental GT.

Drivers can save with with these discounts

Some insurers don’t list every possible discount in a way that’s easy to find, so the below list has some of the more common as well as the least known credits that you can use to lower your rates.

  • More Vehicles More Savings – Purchasing coverage when you have several vehicles with the same insurance company qualifies for this discount.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and will save you 10% or more.
  • Discount for Swiching Early – A few companies give discounts for renewing your policy before your current expiration date. You could save around 10% when you buy auto insurance online.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents so companies give up to a 10% discount.
  • Memberships – Affiliation with qualifying clubs or civic groups is a good way to get lower rates on your next renewal.
  • Government Employees – Active or former government employment can save as much as 8% on Continental GT insurance with some insurance companies.
  • Military Discounts – Having a deployed family member can result in better premium rates.

Drivers should understand that some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, companies don’t profit that way.

Companies and some of their more popular discounts are included below.

  • Progressive has savings for continuous coverage, multi-policy, online quote discount, online signing, and homeowner.
  • The Hartford offers premium reductions for driver training, vehicle fuel type, anti-theft, defensive driver, good student, and air bag.
  • Mercury Insurance has discounts for age of vehicle, good student, professional/association, location of vehicle, and multi-policy.
  • GEICO offers discounts for five-year accident-free, multi-vehicle, emergency military deployment, military active duty, federal employee, and good student.
  • AAA may include discounts for education and occupation, good driver, multi-car, good student, multi-policy, AAA membership discount, and anti-theft.
  • State Farm includes discounts for driver’s education, multiple policy, multiple autos, good driver, and passive restraint.

When quoting, ask each insurance company which discounts you qualify for. All car insurance discounts may not be available in your area.

Your situation helps dictate your coverage

When buying proper insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

  • Does my 2009 Bentley Continental GT need full coverage?
  • Do I have newly-aquired coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is extra glass coverage worth it?
  • How do I file an SR-22 for a DUI in my state?
  • Why do I need rental car insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Car insurance policy coverages for a Bentley Continental GT

Having a good grasp of your policy can help you determine the right coverages for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages offered by car insurance companies.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, vandalism and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses for things like surgery, doctor visits, funeral costs and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision protection

Collision coverage covers damage to your Continental GT resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Bentley Continental GT.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like loss of income, repair costs for stationary objects, structural damage and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Shop around and save

Throughout this article, we presented a lot of information how to shop for 2009 Bentley Continental GT insurance online. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may be surprised to find that the biggest savings come from a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.

Cost effective 2009 Bentley Continental GT insurance can be found online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers may not have internet price quotes and usually these small insurance companies work with independent agents.

For more information, feel free to visit the resources below: