2012 Bentley Continental GTC Insurance Rates – 7 Tips to Save

Expensive auto insurance can empty your savings account and make it hard to pay other bills. Comparing price quotes is free and is an excellent way to help make ends meet. There is such a variety of insurance companies to insure vehicles with, and even though it’s nice to have a choice, so many choices can make it hard to compare rates and cut insurance costs.

Finding Car Insurance Deals

There are multiple methods to shop for 2012 Bentley Continental GTC car insurance, but one way is less time-consuming than others. You could waste time driving to local insurance agents in your area, or you could save time and use online quoting to get prices fast.

Most car insurance companies participate in a marketplace where prospective buyers submit their information once, and at least one company returns a competitive quote based on that data. This saves time by eliminating quote requests for each company you want a rate for. To use this form to compare 2012 Bentley Continental GTC insurance rates click here (opens in new window).

The one disadvantage to doing it this way is you cannot specify which companies to receive prices from. So if you prefer to pick individual companies to request quotes from, we put together a list of companies who write car insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare the exact same deductibles and coverage limits for every company. If you compare different values for each quote it’s impossible to determine the lowest rate for your Bentley Continental GTC.

Best discounts on Bentley Continental GTC coverage

Auto insurance companies don’t always advertise all available discounts in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find ways to save on insurance. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you will save approximately 10% to 15%.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can get savings of more than 20%.
  • Resident Student – Kids in college living away from home attending college and don’t have a car can receive lower rates.
  • Good Student – This discount can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Own a Home – Simply owning a home can save you money because of the fact that having a home shows financial diligence.
  • Low Mileage Discounts – Low mileage vehicles could qualify for better rates on cars that stay parked.

A little note about advertised discounts, most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of companies with the best insurance discounts, click this link.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so this has to be addressed. For example, these questions may help you determine if your insurance needs may require specific advice.

  • When should I drop full coverage on my 2012 Bentley Continental GTC?
  • If my pet gets injured in an accident are they covered?
  • Does my liability insurance cover pulling a trailer or camper?
  • Where can I find DUI or SR-22 insurance?
  • Is my ex-spouse still covered by my policy?
  • Am I covered if I hit a deer?
  • Do I benefit by insuring my home with the same company?
  • Does my insurance cover my expensive audio equipment?
  • Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Coverages available on your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most auto insurance policies.

Coverage for collisions

This coverage pays for damage to your Continental GTC caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, hitting a mailbox, backing into a parked car, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like prosthetic devices, ambulance fees and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, damage from flooding, fire damage and hitting a bird. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as repair costs for stationary objects, court costs, legal defense fees and medical services. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Make a quick buck

Budget-conscious 2012 Bentley Continental GTC insurance is possible both online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

We covered some good ideas how you can compare insurance prices online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the best prices are with some of the lesser-known companies. Some small companies can often provide lower rates in certain areas compared to the large companies like Allstate, Geico and Progressive.

More detailed insurance coverage information is available by following these links: