View 2006 Bentley Continental GT Insurance Quotes

Want the cheapest insurance rates for your Bentley Continental GT? Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You’re in the same situation as many other drivers. You have so many insurance companies to buy insurance from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to compare rates and find the lowest cost insurance.

It is always a good idea to check insurance prices before your policy renews because rates fluctuate regularly. Even if you got the lowest price for Continental GT coverage on your last policy a different company probably has better rates today. Ignore everything you know about insurance because I’m going to let you in on the secrets to one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.

This article will help you learn the most effective way to quote insurance and some money-saving tips. If you currently have car insurance, you will be able to cut costs considerably using this information. Drivers only need an understanding of the best way to compare price quotes over the internet.

Factors that might impact rates for a Bentley Continental GT

It’s important that you understand some of the elements that play a part in calculating the price you pay for insurance. Knowing what controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

Shown below are some of the factors insurance companies consider when setting your rates.

  • Pleasure use saves money – The more miles you rack up on your Bentley every year the higher your rate. Almost all companies rate vehicles based on their usage. Cars used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your insurance policy is rated on how each vehicle is driven. If your policy improperly rates your Continental GT can cost quite a bit.
  • Rates may be higher depending on your occupation – Occupations such as real estate brokers, executives and dentists are shown to have the highest average rates due to job stress and long work days. Other professions such as farmers, historians and the unemployed pay the least for Continental GT coverage.
  • Where you live is a factor – Living in a rural area has it’s advantages when insuring your vehicles. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. Urban drivers regularly have congested traffic and longer commutes to work. Higher commute times can result in more accidents.
  • Higher deductibles cost less – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Bentley. Some examples of claims that would be covered are collision with another vehicle, collision with an animal, or theft. Deductibles for physical damage are how much you are willing to pay in the event of a claim. The more money the insured has to pay upfront, the bigger discount you will receive for Continental GT coverage.
  • Protect yourself with liability coverage – Liability insurance provides coverage if you are found to be at fault for damages from an accident. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Multi-policy discounts can save money – The majority of insurance companies will award you with lower prices to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even though this discount sounds good, it’s still a good idea to shop around to confirm you are receiving the best rates possible.
  • Safer occupants lowers premiums – Safer cars can get you lower premiums. These vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If the Bentley Continental GT is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Save on 2006 Bentley Continental GT insurance

The cost of insuring your cars can be expensive, but there are discounts available that you may not know about. Certain discounts will be applied at quote time, but a few must be asked for before you get the savings. If you don’t get every credit possible, you are throwing money away.

  • Multiple Cars – Buying coverage for all your vehicles on the same insurance policy may reduce the rate for each vehicle.
  • Life Insurance – Some companies give a break if you buy life insurance.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in high school.
  • Good Student Discount – Performing well in school can save 20 to 25%. The good student discount can last up until you turn 25.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Club Memberships – Being a member of certain professional organizations could qualify you for a break on your policy for Continental GT coverage.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Continental GT coverage than less cautious drivers.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will cut your premiums.

A partial list of companies that may offer these benefits include:

Before buying, ask each company which discounts you may be entitled to. Savings may not be available everywhere.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

  • How much can I save by bundling my policies?
  • Does my policy pay for OEM or aftermarket parts?
  • Which companies will insure high-risk drivers?
  • How high should deductibles be on a 2006 Bentley Continental GT?
  • Do all my vehicles need collision coverage?
  • Is my babysitter covered when using my vehicle?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need more liability coverage?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn about insurance coverages for a 2006 Bentley Continental GT

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as funeral expenses, pain and suffering, loss of income, attorney fees and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for pain medications, doctor visits, rehabilitation expenses, hospital visits and X-ray expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage

This covers damage to your Continental GT from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, crashing into a ditch, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Bentley Continental GT.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, hitting a bird and theft. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

The best insurance company isn’t always the cheapest

Low-cost 2006 Bentley Continental GT insurance is available both online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance providers don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut liability coverage limits only to find out that they should have had better coverage. Your aim should be to buy the best coverage you can find at an affordable rate.

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