Cheaper 2011 Bentley Continental GTC Insurance Cost

Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Believe me, you’re not alone.

Having so many different company options, it is hard for the average consumer to choose the most affordable provider.

Finding affordable coverage is not rocket science. Basically, anyone who buys auto insurance will be able to reduce their rates. Nevertheless, drivers do need to know the way insurance companies market on the web and take advantage of how the system works.

Lots of discounts mean lots of savings

Companies don’t always publicize all available discounts in a way that’s easy to find, so we took the time to find both the well known as well as the least known auto insurance savings.

  • Drivers Education – Require your teen driver to take driver’s ed class in high school.
  • Sign Online – Some insurance companies will give a small break just for signing your application digitally online.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Continental GTC coverage with select insurance companies.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on Continental GTC coverage than drivers with accidents.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • No Accidents – Good drivers with no accidents pay much less when compared to bad drivers.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.

It’s important to note that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck.

Companies that may have these benefits include:

Double check with each company what discounts are available to you. Discounts might not apply everywhere.

Compare Insurance Coverage Costs

When shopping for insurance coverage there are multiple ways of comparing rates from local insurance coverage companies. The fastest way to find the cheapest 2011 Bentley Continental GTC insurance rates is to get quotes online. This can be accomplished in several different ways.

  • The first (and easiest) way to get quotes is a comparison rater form like this one (opens in new window). This form saves time by eliminating boring form submissions for each company you want a rate for. One simple form will get you price quotes from multiple companies.
  • A slightly less efficient method to compare prices is spending the time to visit the website of each company to request a price quote. For sake of this example, let’s assume you want comparison quotes from Allstate, Farmers and Travelers. To get rate quotes you would need to visit each site to input your insurance information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

Which method you use is up to you, but make sure you use identical coverages with each company. If you are comparing different deductibles you can’t possibly determine the best price for your Bentley Continental GTC. Just a small difference in coverages can mean a large discrepancy in price. And when comparison shopping, having more price comparisons will improve the odds of getting the best offered rates.

Factors that might impact rates for a Bentley Continental GTC

An important part of buying insurance is that you know the different types of things that help determine the price you pay for insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in better insurance rates.

  • Do you know you’re credit rating? – Having a bad credit history is a large factor in determining your rates. If your credit is not that good, you could save money insuring your 2011 Bentley Continental GTC by spending a little time repairing your credit. People with excellent credit tend to be more responsible than drivers who have lower credit scores.
  • Don’t cancel a policy without a new one in place – Driving with no insurance is a misdemeanor and your next policy will cost more because you let your insurance expire. Not only will rates go up, getting caught without coverage can result in a hefty fine and possibly a revoked license.
  • More claims means more premium – Insurance companies generally give cheaper rates to insureds who do not file claims often. If you file claims often, you can expect either a policy non-renewal or much higher rates. Car insurance is designed for the large, substantial claims.
  • Discounts for married couples – Getting married helps lower the price when buying insurance. Having a significant other translates into being more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Where you reside plays a part – Being located in a small town can save you money when buying insurance. Urban drivers regularly have traffic congestion and much longer commute distances. Fewer drivers means a lower chance of having an accident and a lower car theft rate.
  • Safer cars cost less to insure – Vehicles with good safety scores are cheaper to insure. Safe vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Bentley Continental GTC is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Where do you drive? – The more miles you rack up on your Bentley every year the higher your rates will be. Almost all companies price each vehicle’s coverage based on their usage. Vehicles that are left in the garage receive lower rates than vehicles that are driven to work every day. If your policy improperly rates your Continental GTC may be wasting your money. Verify your insurance policy shows how each vehicle is driven, because improper ratings can cost you money.

Situations that might require an agent

When buying coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might point out whether your personal situation will benefit from professional help.

  • Are my friends covered when driving my car?
  • Am I getting all the discounts available?
  • Why am I required to buy liability insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is rental equipment covered for theft or damage?
  • When would I need additional glass coverage?
  • When can I cancel my policy?
  • When should my teen driver be added to my policy?
  • Are my friends covered when driving my 2011 Bentley Continental GTC?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Save $459 a year? Really?

Insurance coverage providers like Allstate, Geico and Progressive regularly use ads in print and on television. They all make the same claim about savings if you move your coverage to them. How does each company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the type of driver that earns them a profit. A good example of a profitable customer could possibly be between the ages of 40 and 55, is a homeowner, and has great credit. Any new insured who matches those parameters receives the best rates and is almost guaranteed to cut their rates substantially.

Potential customers who don’t meet the requirements must pay a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save that kind of money. This is how companies can truthfully advertise the savings. This illustrates why drivers must get quotes from several different companies. It’s just too difficult to predict the company that will give you the biggest savings on Bentley Continental GTC insurance.

Car insurance 101

Learning about specific coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average insurance policy.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things such as bail bonds, repair bills for other people’s vehicles, loss of income, medical services and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, rock chips in glass, damage from flooding and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

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

Collision insurance covers claims like sustaining damage from a pot hole, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for prosthetic devices, nursing services, funeral costs and ambulance fees. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2011 Bentley Continental GTC.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

A fool and his money are soon parted

We covered a lot of tips how to compare 2011 Bentley Continental GTC insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a lesser-known regional company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut uninsured motorist or liability limits to discover at claim time that it was a big mistake. Your goal should be to get the best coverage possible at the best price.

More tips and info about auto insurance can be found in the articles below: