Did you come to the realization that you have an underperforming, overpriced insurance policy? Don’t feel bad because there are many drivers thinking the same thing. Numerous auto insurance companies battle for your insurance dollar, and because of this it can be hard to compare car insurance companies to discover the definitive cheapest price
It’s a good idea to compare prices before your policy renews because insurance prices fluctuate regularly. Even if you got the lowest rates for Continental GTC coverage six months ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance because you’re about to learn the best methods to get good coverage at a lower rate.
Car insurance can cost a lot, but you may qualify for discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but once in a while a discount must be asked about in order for you to get them.
Keep in mind that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky.
Some of the larger companies who might offer these discounts are:
Check with all the companies how you can save money. Some of the earlier mentioned discounts may not be offered in your area. If you would like to view car insurance companies that offer the discounts shown above, click this link.
The majority of larger companies allow consumers to get prices for coverage from their websites. Doing online price comparisons is pretty easy as you just type in the coverages you want into a form. After you submit the form the system sends out for your credit score and driving record and gives you a price quote. This simplifies rate comparisons, but the work required to visit multiple sites and type in the same information is not the best way to spend an afternoon. But it’s necessary to compare as many rates as possible if you want to find better insurance coverage pricing.
The better way to compare rates
An easier way to lower your rates uses one form that gets price quotes from a bunch of companies at once. It’s a real time-saver, requires less work, and makes online shopping much simpler. As soon as you send your information, it is rated with multiple companies and you can pick any or none of the pricing results.
If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. It can be completed in a matter of minutes and you’ll know if lower rates are available.
To quickly find out what other companies charge, click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you type in the limits and deductibles just like they are on your policy. This makes sure you’re receiving a price comparison based on identical coverages.
When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation will benefit from professional help.
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.
Learning about specific coverages of your insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average insurance policy.
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as fire damage, a tree branch falling on your vehicle, damage from getting keyed and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Liability insurance can cover damage that occurs to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage pays for things such as pain and suffering, bail bonds, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like prosthetic devices, chiropractic care, EMT expenses and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle, sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.
The cheapest 2011 Bentley Continental GTC insurance can be bought online as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies may not have the ability to get a quote online and most of the time these regional insurance providers only sell coverage through independent insurance agents.
We just presented some good ideas how you can get a better price on 2011 Bentley Continental GTC insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding the cheapest car insurance. You may be surprised to find that the lowest priced auto insurance comes from an unexpected company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.
As you restructure your insurance plan, never reduce needed coverages to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.