2013 Bentley Continental GTC Insurance Quotes – 8 Discounts for Cheaper Rates

Did you make the mistake of buying overpriced insurance? Believe me, many consumers feel financially strained by their insurance policy. Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

Discounts can really help lower premiums

Some providers don’t always advertise all their discounts in an easy-to-find place, so we researched a few of the more common and the more hidden savings tricks you should be using when you buy insurance online.

• Defensive Driver Discount – Passing a class that teaches driver safety techniques is a good idea and can lower rates if your company offers it.
• No Accidents – Good drivers with no accidents are rewarded with significantly better rates on insurance quote when compared to drivers who are more careless.
• Data Collection Discounts – Drivers who agree to allow their company to track where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if their driving habits are good.
• Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a discounted price on car insurance if you buy life insurance from them.
• Senior Discount – Mature drivers are able to get lower premium rates on Continental GTC coverage.
• Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their insurance quote on Continental GTC coverage than drivers with accident claims.
• Early Switch Discount – A few larger companies allow discounts for switching companies prior to your current policy expiration. The savings is around 10%.
• Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease on Continental GTC coverage with select insurance companies.

Don’t be surprised that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A few of the larger companies and some of their more popular discounts can be found below.

• Farmers Insurance offers discounts for mature driver, switch companies, business and professional, homeowner, multi-car, teen driver, and bundle discounts.
• State Farm policyholders can earn discounts including driver’s education, safe vehicle, good driver, Drive Safe & Save, and passive restraint.
• Liberty Mutual has discounts for preferred payment discount, newly retired, multi-policy, teen driver discount, new graduate, exclusive group savings, and new move discount.
• MetLife offers premium reductions for good student, accident-free, good driver, multi-policy, and claim-free.
• Progressive has savings for multi-policy, online quote discount, homeowner, multi-vehicle, continuous coverage, and good student.

It’s a good idea to ask all the companies which discounts you may be entitled to. Some discounts may not be offered in your state. To view providers who offer insurance discounts, click this link.

Will just any policy work for me?

When it comes to buying the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.

• Do I need an umbrella policy?
• Do I need motorclub coverage?
• Are rental cars covered under my policy?
• How many claims can I have before being cancelled?
• Is a fancy paint job covered?
• Does liability extend to a camper or trailer?
• What is no-fault insurance?
• What is roadside assistance coverage?
• Am I covered when driving someone else’s vehicle?
• When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t get away from ads that promise big savings for switching by companies like Geico, State Farm and Progressive. They all advertise claims about saving some big amount just by switching to their company.

That’s great but how can every company say the same thing? This is the way they can do it.

Different companies require specific criteria for the type of insured that makes them money. One example of a profitable risk profile could possibly be between the ages of 30 and 50, owns their home, and drives newer vehicles. Someone that fits those parameters will qualify for the lowest auto insurance rates and as a result will probably save if they switch.

Potential customers who are not a match for this ideal profile will have to pay a higher premium which results in the customer not buying. The ads state “people that switch” not “all people who quote” save that much. That’s why companies can truthfully claim big savings.

Because of the profiling, it is so important to get a wide range of price quotes. It’s just too difficult to predict with any certainty which company will provide the lowest prices.

Car insurance coverages 101

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages available from car insurance companies.

Liability car insurance – Liability coverage will cover damage or injury you incur to a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $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. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like funeral expenses, structural damage and bail bonds. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Collision coverages – This pays for damage to your Continental GTC caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, scraping a guard rail, backing into a parked car, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Bentley Continental GTC.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, fire damage, damage from a tornado or hurricane, damage from getting keyed and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance – Med pay and PIP coverage pay for immediate expenses for things like chiropractic care, nursing services and pain medications. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Make a quick buck

Lower-priced 2013 Bentley Continental GTC insurance is definitely available from both online companies and also from your neighborhood agents, and you should compare rates from both to have the best selection. Some auto insurance companies may not have the ability to get a quote online and many times these regional insurance providers prefer to sell through independent insurance agents.

As you quote insurance, make sure you don’t buy poor coverage just to save money. There have been many situations where an insured cut physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at the best cost while still protecting your assets.

More tips and info about auto insurance is available in these articles:

• Prom Night Tips for Teen Drivers (State Farm)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)