How Much Does 2014 Bentley Continental GT Insurance Cost?

Trying to find better insurance rates for your Bentley Continental GT? Paying for high-priced Bentley Continental GT insurance can empty your savings account, especially in this economy. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket. Consumers have many insurers to choose from, and although it’s nice to have a selection, it makes it harder to compare rates and cut insurance costs.

You should make it a habit to get comparison quotes before your policy renews because prices fluctuate regularly. If you had the best deal for Continental GT coverage on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.

Finding affordable coverage is easy if you know what you’re doing. If you have a current insurance coverage policy or are looking for a new policy, you can use these tips to reduce the price you pay while maintaining coverages. Consumers just need to know the proper way to shop for insurance coverage over the internet.

Why your Bentley Continental GT insurance rates may be high

Smart consumers have a good feel for some of the elements that go into determining insurance rates. Understanding what determines base rates allows you to make educated decisions that may reward you with lower insurance prices.

  • Liability coverage protects you – The liability section of your policy is the coverage that protects you when you are found liable for damages caused by your negligence. It provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Too many insurance claims drive up costs – If you file claims often, you can look forward to either policy cancellation or increased premiums. Auto insurance companies generally give cheaper rates to people who are claim-free. Your insurance policy is intended for larger claims.
  • Add-on coverages can add up – There are quite a few add-on coverages that can waste your money on your insurance policy. Things like vanishing deductibles, accident forgiveness and motor club memberships may be costing you every month. These coverages may sound good when talking to your agent, but if you don’t need them remove them from your policy.
  • Your job and insurance rates – Careers like doctors, architects and accountants are shown to have higher rates than average attributed to high stress and lots of time spent at work. On the flip side, professions such as farmers, athletes and retirees pay the least for Continental GT coverage.
  • Having a spouse can save you money – Having a wife or husband helps lower the price on insurance. Having a significant other usually means you are more mature and it’s statistically proven that being married results in fewer claims.

Which Car Insurance is Cheapest?

Getting a cheaper price on 2014 Bentley Continental GT insurance isn’t really that difficult. You just have to invest a few minutes comparing price quotes online with multiple companies. This can be accomplished using a couple different methods.

  1. Probably the best way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing separate quote forms for every car insurance company. A single form will get you rate comparisons from several companies.
  2. A more time consuming way to get quotes online is to manually visit the website for every company you want to comare to request a price quote. For sake of this example, let’s say you want to compare rates from Progressive, 21st Century and Liberty Mutual. To find out each rate you need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The least recommended method to get comparison rates is driving around to different agent offices. The internet eliminates the need for an insurance agent unless you want the personal advice of a licensed agent. It is possible to find lower rates online but still have the advice of a local agent. We’ll cover that shortly.

Whichever method you choose, ensure you are comparing exactly the same coverages on every quote. If you compare different values for each quote it will be impossible to make a fair comparison for your Bentley Continental GT.

How can State Farm and Allstate save drivers who switch?

Consumers constantly see and hear ads for car insurance savings by State Farm and Allstate. All the companies say the same thing that you can save after switching to their company.

But how can every company claim to save you money?

Different companies are able to cherry pick for the right customer that makes them money. A good example of a driver they prefer might be a mature driver, has no prior claims, and drives newer vehicles. Any driver who matches those parameters gets the lowest rates and most likely will save a lot of money.

Consumers who don’t meet the “perfect” profile will have to pay higher prices which usually ends up with business not being written. The ads say “customers that switch” not “everybody who quotes” save money. That is how insurance companies can confidently make the claims of big savings. Because of the profiling, it is so important to get as many comparisons as possible. It’s just too difficult to predict which company will give you the biggest savings on Bentley Continental GT insurance.

More discounts equal less premium

Companies offering auto insurance do not advertise every discount in an easy-to-find place, so the following is a list of both the well known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Homeowners Discount – Simply owning a home may trigger a insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Use Seat Belts – Requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.
  • Organization Discounts – Affiliation with certain professional organizations could trigger savings on your policy for Continental GT coverage.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount for Continental GT coverage with certain companies.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.

It’s important to note that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you could get a free insurance policy, it just doesn’t work that way.

Companies that may offer these discounts are:

It’s a good idea to ask every prospective company what discounts are available to you. Discounts might not be offered in your area.

It’s not one size fits all

When it comes to buying the best car insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.

  • Will filing a claim cost me more?
  • Should I get collision insurance on every vehicle?
  • Am I covered when delivering products for my home-based business?
  • What vehicles should carry emergency assistance coverage?
  • What is no-fault insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I have a commercial auto policy?
  • Am I covered when driving in Canada or Mexico?
  • Is my 2014 Bentley Continental GT covered for smoke damage?
  • Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with 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 only takes a few minutes and you can get the answers you need.

Auto insurance coverages

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Bentley Continental GT.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, hitting a bird, damage from a tornado or hurricane, hail damage and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

This will pay to fix damage to your Continental GT resulting from a collision 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 things such as damaging your car on a curb, crashing into a building and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills for hospital visits, nursing services, rehabilitation expenses and ambulance fees. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Auto liability

This will cover damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like emergency aid, loss of income and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Better coverage you can count on

We covered some good ideas how you can get a better price on 2014 Bentley Continental GT insurance. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. Smaller companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

Lower-priced insurance can be purchased from both online companies as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer online quoting and these smaller companies work with independent agents.

For more information, link through to the resources below: