View 2005 Bentley Continental GT Insurance Rates

Looking for cheaper car insurance rates for your Bentley Continental GT? Finding cheaper insurance for a new or used Bentley Continental GT can turn out to be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to shop for car insurance and we’ll show you the best way to quote coverages for a new or used Bentley and locate the lowest possible price from both online companies and local agents.

Smart consumers take time to take a look at other company’s rates at least once a year because rates change quite often. Just because you had the lowest rates for Continental GT coverage on your last policy the chances are good that you can find a lower rate today. So ignore everything you know about car insurance because you’re about to learn the best methods to properly buy coverages and cut your premium.

Verify you’re getting all your discounts

The cost of insuring your cars can be expensive, but there are discounts available that many people don’t even know exist. Some trigger automatically when you purchase, but lesser-known reductions have to be manually applied before they will apply. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Air Bag Discount – Vehicles with factory air bags can get savings of up to 25% or more.
  • Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn a substantially lower rate.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Memberships – Belonging to a qualifying organization is a good way to get lower rates on your policy for Continental GT coverage.
  • Own a Home – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Resident Student – Children who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way. But any discount will help reduce the amount you have to pay.

For a list of providers offering auto insurance discounts, click here.

When should I talk to an agent?

When it comes to buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different.

These are some specific questions may help you determine whether you may require specific advice.

  • Will filing a claim cost me more?
  • Does insurance cover damages from a DUI accident?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I still get insurance after a DUI?
  • Do I have coverage for damage caused while driving under the influence?
  • What is medical payments coverage?
  • If I drive on a suspended license am I covered?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Do you really save 40% when you switch?

Drivers can’t ignore all the ads that promise big savings by GEICO, State Farm and Progressive. All the ads make an identical promise of big savings if you move to their company.

How can each company say the same thing? This is how they do it.

Different companies have a certain “appetite” for the driver that makes them money. For instance, a preferred risk could possibly be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. A propective insured who meets those qualifications will get the preferred rates and as a result will probably save when switching.

Consumers who don’t measure up to these standards will be charged higher prices and this can result in business not being written. The ads say “customers that switch” but not “drivers who get quotes” save that kind of money. That is how companies can advertise the savings.

That is why you absolutely need to compare as many rates as you can. Because you never know the company that will give you the biggest savings on Bentley Continental GT insurance.

Auto insurance 101

Learning about specific coverages of auto insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive coverages – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, fire damage and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, crashing into a building, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for prosthetic devices, chiropractic care and pain medications. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability insurance – This can cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like funeral expenses, emergency aid, medical expenses and repair costs for stationary objects. How much coverage you buy is up to you, but buy higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2005 Bentley Continental GT.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Stretch your dollar

People who switch companies do it for many reasons like denial of a claim, poor customer service, an unsatisfactory settlement offer or policy cancellation. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.

Cheap 2005 Bentley Continental GT insurance can be bought online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

You just learned quite a bit of information on how to compare insurance prices online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on car insurance is with the least-expected company.

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