2009 Bentley Continental GTC Car Insurance Rates – 6 Tips to Save

Want cheaper insurance rates for your Bentley Continental GTC? Trying to find cheaper insurance for your Bentley Continental GTC could be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to buy insurance and you need to know the proper way to quote coverages on a Bentley and find the best price possible either online or from local insurance agents.

Buying more affordable insurance coverage coverage is not that difficult. If you have a policy now or are just looking to switch companies, you can use these techniques to get lower rates and possibly find even better coverage. Consumers just need to understand the proper way to get comparison quotes over the internet.

Use discounts on insurance coverage

Insurance coverage is expensive, but there may be some discounts that could help you make your next renewal payment. Certain reductions will be credited at the time of quoting, but occassionally some discounts must be asked for before you get the savings. If you do not double check each discount you qualify for, you are just wasting money.

• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
• Distant College Student Discount – who live away from home to go to college and do not have access to a covered vehicle can receive lower rates.
• Drive Less and Save – Driving fewer miles may enable drivers to earn better prices on cars that stay parked.
• Active Service Discounts – Having a deployed family member could mean lower prices.
• Senior Citizen Rates – Mature drivers are able to get reduced rates on Continental GTC insurance.
• Accident Forgiveness Coverage – Not really a discount, but a few companies such as Progressive, Allstate, and Geico will forgive one accident before your rates go up if you are claim-free before the accident.

We need to note that many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Popular insurance coverage companies and some of the premium reductions they offer can be read below.

• Esurance has savings for emergency road assistance, safety device, homeowner, Switch & Save, defensive driver, and multi-policy.
• The Hartford may have discounts that include air bag, vehicle fuel type, defensive driver, good student, anti-theft, bundle, and driver training.
• AAA may offer discounts for anti-theft, good driver, education and occupation, multi-car, and multi-policy.
• Geico includes discounts for driver training, federal employee, anti-theft, military active duty, defensive driver, and membership and employees.
• State Farm may include discounts for anti-theft, multiple policy, student away at school, defensive driving training, safe vehicle, good student, and driver’s education.

When quoting, ask each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered in your state. To choose insurance companies that have a full spectrum of discounts, click here to view.

Buyer beware of insurance advertising tricks

Consumers can’t get away from ads that claim the cheapest prices from the likes of Allstate and Progressive. They all seem to try to convey promises that you can save if you get a free auto insurance quote and switch your policy.

How does every company give you a lower rate? It’s all in the words they use.

All companies can use profiling for the type of driver that will add to their bottom line. A good example of a profitable customer might have to be a mature driver, carries full coverage, and insures a new vehicle. Anybody who matches that profile will get the preferred car insurance rates and will probably save if they switch.

Drivers who are not a match for these criteria will get a higher premium and business not being written. The trick companies use is to say “drivers who switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can state the savings.

This really emphasizes why drivers must get price quotes at each policy renewal. It is impossible to guess which insurance company will give you lower prices than your current company.

Tailor your insurance coverage to you

When it comes to buying coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique.

For example, these questions might help in determining if your situation might need professional guidance.

• When can I cancel my policy?
• Do I need added coverage for expensive stereo equipment?
• Why do I only qualify for high-risk insurance?
• Do I need medical payments coverage since I have good health insurance?
• Are all vehicle passengers covered by medical payments coverage?
• Should I have a commercial auto policy?
• What should my uninsured motorist coverage limits be in my state?
• Am I better off with higher deductibles on my 2009 Bentley Continental GTC?
• How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

What car insurance coverages do you need?

Knowing the specifics of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverages

Liability insurance provides protection from damage or injury you incur to people or other property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, repair costs for stationary objects, pain and suffering, legal defense fees and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, theft, rock chips in glass and damage from a tornado or hurricane. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Bentley Continental GTC.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Coverage for collisions

This coverage pays for damage to your Continental GTC resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like funeral costs, hospital visits, EMT expenses, doctor visits and dental work. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Online plus local equals savings

We’ve covered some good ideas how to get a better price on 2009 Bentley Continental GTC insurance. It’s most important to understand that the more quotes you get, the higher your chance of finding cheap auto insurance. Consumers may even find the lowest priced auto insurance comes from an unexpected company.

Low-cost 2009 Bentley Continental GTC insurance is possible on the web in addition to local insurance agencies, and you should be comparing both to have the best rate selection. A few companies may not offer the ability to get quotes online and usually these smaller companies sell through independent insurance agents.

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The goal is to buy enough coverage at the lowest possible cost while still protecting your assets.

More resources

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)