2014 Bentley Continental GTC Insurance Rates

I can’t think of anyone who enjoys paying for insurance coverage, especially when their premiums are too high.

Insurance companies such as GEICO, Farmers Insurance and State Farm persitently shower you with catchy ads and it is difficult to ignore the promise of big savings and find the best price available.

Smart consumers take time to check insurance coverage prices yearly since insurance rates are variable and change quite frequently. If you had the lowest rates for Continental GTC coverage six months ago there may be better deals available now. So just forget all the misinformation about insurance coverage because we’re going to show you the proper way to remove unneeded coverages and save money.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. Buying car insurance is not that difficult. But car owners can benefit by having an understanding of how the larger insurance companies market on the web and take advantage of how the system works.

Policy discounts you shouldn’t miss

Insurance can be prohibitively expensive, but there could be available discounts to help offset the cost. Some discounts apply automatically at the time of quoting, but some may not be applied and must be asked for prior to getting the savings.

• Memberships – Affiliation with certain professional organizations could trigger savings on your policy for Continental GTC coverage.
• Federal Employees – Active or retired federal employment could cut as much as 10% off for Continental GTC coverage with a few car insurance companies.
• Discount for New Cars – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
• Life Insurance – Larger companies have a break if you buy life insurance from them.
• Military Rewards – Having a family member in the military may qualify for rate reductions.
• Air Bag Discount – Vehicles with factory air bags can get savings of up to 25% or more.
• Defensive Driving Course – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, car insurance companies aren’t that generous. But any discount will help reduce the cost of coverage.

Companies who might offer these benefits include:

• State Farm
• GEICO
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

Double check with every prospective company how you can save money. Savings might not be offered in your state.

The quickest method we recommend to get rate comparisons takes advantage of the fact most insurance companies actually pay money for the chance to give you rate quotes. All consumers are required to do is provide a small amount of information such as coverage limits, whether or not you need a SR-22, whether the vehicles are used for commuting, and your education level. That rating information is submitted instantly to many of the top insurers and they respond with quotes within a short period of time.

To start a quote now, click here and enter your coverage details.

Lesser-known factors impacting Bentley Continental GTC insurance rates

An important part of buying insurance is that you know the different types of things that come into play when calculating auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that can help you get big savings.

• Special features that cut premiums – Driving a car with a theft deterrent system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
• Safer occupants lowers premiums – Vehicles with good safety scores can get you lower premiums. Safer cars result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Bentley Continental GTC earned at least four stars on Safercar.gov you may qualify for a discount.
• How your age affects price – Youthful drivers are statistically proven to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel.
• Credit scores impact auto insurance rates – Having a bad credit score is a large factor in your rate calculation. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings. Therefore, if your credit is low, you could save money insuring your 2014 Bentley Continental GTC by improving your credit score.
• An active claims history can cost you – Auto insurance companies award cheaper rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance is intended to be relied upon for the large, substantial claims.
• What are your deductibles? – Deductibles for physical damage define the amount you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply would be running into the backend of another car, vandalism, or theft. The more expense you are required to pay out-of-pocket, the lower your rates will be for Continental GTC coverage.

Insurance agents can help

When it comes to choosing adequate coverage, there is no cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your insurance needs will benefit from professional help.

• Do I have coverage when pulling a U-Haul trailer?
• Is my 2014 Bentley Continental GTC covered for flood damage?
• Does my car insurance cover rental cars?
• Why am I required to get a high-risk car insurance policy?
• Does insurance cover damages from a DUI accident?
• Do I need rental car coverage?
• Is extra glass coverage worth it?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Insurance policy coverages for a 2014 Bentley Continental GTC

Having a good grasp of a insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses for rehabilitation expenses, prosthetic devices, ambulance fees and surgery. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This provides protection from damage that occurs to other people or property. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like repair costs for stationary objects, emergency aid, attorney fees, bail bonds and legal defense fees. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, theft and hitting a deer. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This coverage covers damage to your Continental GTC from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Best coverage at the best price

You just learned some good ideas how you can reduce 2014 Bentley Continental GTC insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the best prices are with an unexpected company. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

Low-cost insurance is possible from both online companies and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Much more information about insurance coverage can be found on the following sites:

• Should I Buy a New or Used Car? (Allstate)
• Red Light Cameras (State Farm)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)

Use our FREE quote tool to compare rates now!