View 2012 Bentley Continental GTC Insurance Rates

Trying to find cheaper insurance rates for your Bentley Continental GTC? There isn’t a single person who is fond of buying insurance, particularly when they could find better prices if they shop around. Numerous insurance companies battle for your business, so it’s not easy to compare every company to find the absolute lowest price

Smart consumers take time to compare rates yearly since rates change frequently. If you had the lowest rate for Continental GTC coverage a year ago you can probably find a lower rate today. Don’t believe everything you read about insurance online, but you can learn a lot of great tips on how to put money back in your pocket.

If you have insurance now or need new coverage, you can use these techniques to cut your premiums while maintaining coverages. Finding affordable coverage is not rocket science. Vehicle owners just need to learn the proper way to get comparison rates online.

Compare free insurance coverage price quotes

Most of the larger companies make it easy to get coverage prices on their websites. Doing online quotes doesn’t take a lot of time as you just type in your coverage information into the form. After you submit the form the company’s rating system will order your driving record and credit report and generates a price based on these and other factors. This simplifies rate comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible if you want to find the lowest price.

Rate comparisons made easy

The quickest way to lower your rates uses one form that analyzes rates from more than one company. This type of form saves time, requires less work, and makes price shopping online much easier. After your information is entered, your coverage is rated and you can choose any of the price quotes you receive. If a lower price is quoted, it’s easy to complete the application and buy the policy. It takes less than 15 minutes and could lower your rates considerably.

If you want to use this form to compare rates, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you replicate the limits and deductibles exactly as they are listed on your policy. This way, you’re receiving comparison quotes based on identical coverages.

Ads can be misleading

Consumers can’t get away from ads for cheaper insurance by Allstate, GEICO and Progressive. All the ads advertise the message that you can save if you switch your policy.

How does every company offer you a better deal? It’s all in the words they use.

Most companies can use profiling for the type of customer that is profitable for them. For example, a profitable insured should be between 25 and 40, insures multiple vehicles, and has excellent credit. Anybody who meets those qualifications will get a cheap rate quote and will most likely save when switching.

Insureds who do not match the ideal profile will probably have to pay higher premiums and this results in the prospect going elsewhere. Company advertisements say “customers who switch” not “everyone who quotes” save that much. That’s the way insurance companies can confidently advertise the way they do. Because every company is different, it is so important to get car insurance quotes from several different companies. It is impossible to guess which company will give you lower rates than your current company.

Insurance cost influencing factors

Many different elements are used when you get your auto insurance bill. Some are obvious like a motor vehicle report, but others are less obvious such as your credit history and annual miles driven.Consumers need to have an understanding of the different types of things that aid in calculating your policy premiums. If you have a feel for what determines premiums, this enables informed choices that can earn you cheaper rates.

  • Extra policy coverages that aren’t used – There are a lot of additional coverages that can add up on your Continental GTC policy. Things like rental car reimbursement, better glass coverage, and term life insurance may be wasting your money. They may seem like a good idea at first, but if you’ve never needed them in the past remove them and pocket the money.
  • Annual mileage impacts rates – The more miles you rack up on your Bentley each year the higher your rates will be. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage get more affordable rates than those used for commuting. An incorrectly rated Continental GTC may be costing you higher rates. Make sure your insurance coverage declarations sheet is rated on the right rating data.
  • Cars with good safety ratings save money – Safer cars cost less to insure. The safest vehicles result in less severe injuries and reduced instances of injuries translates into savings for insurance companies passed on to you as lower rates.
  • Increase physical damage deductibles and save – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Bentley. Some examples of claims that would be covered are a broken windshield, vandalism, and damage caused by flying debris. Comp and collision deductibles are how much you are required to spend before a claim is paid by your company. The larger the amount you are required to pay out-of-pocket, the better rate you will receive for Continental GTC coverage.
  • Insurance rates for married couples – Getting married actually saves money when buying insurance coverage. Having a significant other means you’re more stable financially it has been statistically shown that married drivers get in fewer accidents.
  • Is you occupation costing you more? – Did you know your career choice can influence rates? Jobs such as real estate brokers, business owners and medical professionals usually pay higher rates than average in part from high stress levels and extremely grueling work hours. On the other hand, careers like professors, historians and the unemployed pay the least for Continental GTC coverage.
  • Better prices with anti-theft devices – Purchasing a vehicle that has a built-in theft deterrent system can get you a discount on your insurance coverage. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your car from being stolen.

Do you qualify for discount car insurance?

Some providers do not list every available discount in a way that’s easy to find, so we took the time to find a few of the more common as well as the least known discounts that you may qualify for.

  • Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiration. It could save around 10% when you buy car insurance online.
  • Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less since new vehicles have better safety ratings.
  • Early Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • ABS Brakes – Cars and trucks with anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
  • Responsible Drivers – Insureds who avoid accidents may save up to 50% more for Continental GTC coverage than drivers with accidents.
  • Own a Home – Just being a homeowner can earn you a little savings because of the fact that having a home is proof that your finances are in order.
  • Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you could get a discount of nearly 15% which can help you find low cost car insurance.
  • Theft Deterent – Vehicles that have factory anti-theft systems help deter theft and earn discounts up to 10% off your car insurance quote.
  • Driver Safety – Taking part in a defensive driver course is a good idea and can lower rates depending on where you live.

You can save money using discounts, but some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you could get a free car insurance policy, nobody gets a free ride.

Popular car insurance companies and some of the discounts can be read below.

  • Mercury Insurance has savings for annual mileage, professional/association, type of vehicle, good student, age of vehicle, and multi-policy.
  • Farmers Insurance policyholders can earn discounts including alternative fuel, teen driver, pay in full, multi-car, youthful driver, distant student, and homeowner.
  • Farm Bureau may offer discounts for youthful driver, driver training, safe driver, multi-vehicle, multi-policy, renewal discount, and 55 and retired.
  • State Farm offers discounts including multiple policy, Steer Clear safe driver discount, student away at school, good student, Drive Safe & Save, accident-free, and multiple autos.
  • Allstate discounts include senior citizen, 55 and retired, eSmart discount, EZ pay plan discount, teenSMART discount, and premier plus.
  • GEICO offers discounts for membership and employees, multi-policy, good student, anti-theft, and anti-lock brakes.

Double check with all the companies how you can save money. Discounts may not apply to policyholders in your area. To view insurers that offer the discounts shown above, click here to view.

What insurance coverages do I need?

When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover if your situation could use an agent’s help.

  • How much can I save by bundling my policies?
  • Do I need more liability coverage?
  • Do I really need UM/UIM coverage?
  • What is the minimum liability in my state?
  • Should I buy additional glass protection?
  • What is the difference between comprehensive and collision coverage?
  • What are the financial responsibility laws in my state?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from auto insurance companies.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

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. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as attorney fees, bail bonds, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, driving through your garage door, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverages

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

Comprehensive coverage protects against things like damage from a tornado or hurricane, theft, fire damage and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as EMT expenses, X-ray expenses, hospital visits and doctor visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Do the work, save more money

While you’re price shopping online, do not buy poor coverage just to save money. There are many occasions where drivers have reduced full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal is to get the best coverage possible at the best possible price and still be able to protect your assets.

Some insurance companies do not provide rate quotes online and many times these smaller companies only sell coverage through independent agents. Cheaper insurance can be bought from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates.

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