2008 Bentley Continental GTC Insurance Quotes – 7 Tips for Cheapest Rates

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. Drivers have so many car insurance companies to choose from, and although it’s nice to have multiple companies, it can be more difficult to adequately compare rates.

Consumers should take time to compare prices before your policy renews since rates are constantly changing. Even if you got the best deal for Continental GTC coverage a couple years back you will most likely find a better rate today. There is too much inaccurate information about car insurance online but by reading this article, you’re going to learn the easiest ways to stop overpaying for insurance.

This article will help you learn the most effective way to quote insurance. If you have car insurance now, you should be able to cut costs considerably using these methods. Drivers just need to learn the proper methods to get comparison quotes over the internet.

The easiest way to get policy rate comparisons is to know all the major auto insurance companies participate in a system to provide you with free rate quotes. All you need to do is provide a small amount of information such as your occupation, if you’re married, types of safety features, and how many miles driven. The rating information is instantly submitted to multiple different insurance companies and they return rate quotes with very little delay.

To start a rate quote now, click here and complete the quick form.

You probably qualify for some discounts

Car insurance is not cheap, but you can get discounts that many people don’t even know exist. Most are applied at the time of quoting, but a few must be asked for in order for you to get them. If you don’t get every credit available, you’re paying more than you need to.

  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may save at least 10% off all policies.
  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiring. The savings is around 10%.
  • Multiple Cars – Insuring all your vehicles on the same auto insurance policy qualifies for this discount.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Driver’s Ed – Have your child enroll in driver’s education if it’s offered in school.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.

Drivers should understand that many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will reduce your overall premium however.

Companies that may have these benefits include:

Before buying, ask each insurance company what discounts are available to you. Savings may not be available in your state.

There’s no such thing as the perfect policy

When buying the best auto insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions may help you determine whether or not you might need professional guidance.

  • Will filing a claim cost me more?
  • When should my teen driver be added to my policy?
  • What is the rate difference between pleasure use and commuting?
  • What if I total my 2008 Bentley Continental GTC and owe more than it’s worth?
  • Do I need added coverage for expensive stereo equipment?
  • Is my teen driver covered when they drive my company car?
  • Am I covered if I drive in a foreign country?
  • What is medical payments coverage?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from 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.

Car insurance coverage options for a 2008 Bentley Continental GTC

Knowing the specifics of your policy helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, a broken windshield, damage from a tornado or hurricane, damage from flooding and fire damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Bentley Continental GTC.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision coverage protection

This will pay to fix damage to your Continental GTC from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, damaging your car on a curb, crashing into a ditch, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses for dental work, pain medications, X-ray expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Liability auto insurance

This can cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see 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 repair costs for stationary objects, attorney fees, structural damage, loss of income and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.