2015 Bentley Continental GT3-R Insurance Quotes

Scraping up a payment for expensive Bentley Continental GT3-R insurance can sap your savings and force you to make sacrifices. Doing a rate comparison can help to reduce premiums and put more money in your pocket.

You have multiple auto insurance companies to purchase coverage from, and although it’s nice to be able to choose, more options can take longer to find the best rates.

Ways to get insurance price quotes

To find affordable insurance coverage quotes, there are several ways to compare prices from many available insurance companies in your state. By far the easiest way to find the lowest Bentley Continental GT3-R rates consists of obtaining rate quotes online. It’s really quite simple and can be done by using one of the methods below.

Hands down the most simple method consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This style of form prevents you from having to do separate quotes for each company you want a rate for. Taking the time to complete one form compares rates from multiple companies.

A different way to analyze rates is spending the time to visit the website for every company you want to comare and request a quote. For sake of this example, let’s say you want comparison quotes from Farmers, Esurance and American Family. To do that, you would have to go to each individual site and type in your information over and over, which explains why we recommend starting with the first method.

For a handy list of car insurance company links in your area, click here.

The old school way to do your price quoting is to waste gas driving to each insurance agency near you. The internet makes this unnecessary unless you require the guidance only provided by licensed agents. You can, however, price shop online and have a local agent actually service the policy.

You can choose any of those ways to find more affodable coverage, but ensure you’re using equivalent quote information with every price quote. If the quotes have differing limits it’s impossible to get a fair rate comparison. Quoting even small variations in insurance coverages or limits can make a big difference in price. And when comparison shopping, having more price comparisons increases the change that you will find the best rates.

Why smart consumers pay less for Bentley Continental GT3-R insurance

Lots of factors are used when quoting car insurance. Most are fairly basic like a motor vehicle report, although some other factors are not as apparent like your vehicle usage or how financially stable you are.

The factors shown below are a partial list of the pieces companies use to determine rates.

• Age of drivers impacts premiums – Beginning drivers are statistically shown to get distracted easily in a vehicle so they pay higher car insurance rates. More mature drivers are shown to be more cautious, are lower risk to insure .
• Tickets inflate costs – Your driving record has a lot to do with how much you pay for insurance. Drivers who don’t get tickets pay less for auto insurance compared to drivers with tickets. Getting just one moving violation could increase your next policy renewal to the point where it’s not affordable. Drivers with license-revoking violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent their license from being revoked.
• Your gender affects premiums – Over the last 30 years, statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that males are worse at driving than females. Females and males get in fender benders at about the same rate, but the men tend to have higher claims. They also receive more major tickets like reckless driving and DUI.
• Being married is a good thing – Walking down the aisle can get you a discount on car insurance. It demonstrates that you tend to be more stable financially and statistics show being married results in fewer claims.
• Save miles and save money – The more miles you rack up on your Bentley annually the more you’ll pay to insure it. A lot of companies charge to insure your cars based upon how much you drive. Vehicles left parked in the garage receive lower rates than vehicles that are driven to work every day. Improper usage on your Continental GT3-R can cost quite a bit. It’s always a good idea to double check that your car insurance policy is showing the correct usage for each vehicle.
• Discounts for multiple policies – Most major insurers will award a discount to insureds that buy multiple policies in the form of a multi-policy discount. If you currently are using one company, it’s always a smart idea to comparison shop to verify if the discount is saving money. Drivers may still save money by insuring with multiple companies.

Slash your insurance rates with discounts

Insurance is not cheap nor is it fun to buy but you may find discounts that you may not even be aware of. Some trigger automatically when you complete an application, but some may not be applied and must be asked about before you get the savings. If you do not double check each discount you deserve, you could be paying more than you need to.

• Accident Forgiveness – This isn’t a discount exactly, but certain companies permit an accident before they charge you more for coverage if you are claim-free for a set time period.
• Safety Restraint Discount – Requiring all passengers to buckle up before driving can save a little on medical payment and PIP coverage.
• Theft Prevention Discount – Cars that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance coverage quote.
• Homeowners Savings – Just owning your own home can save a few bucks due to the fact that maintaining a home shows financial diligence.
• Multi-Vehicle Discounts – Having primary and secondary vehicles on one policy qualifies for this discount.
• Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a discount if you purchase some life insurance too.
• Sign Online – A handful of insurance companies may give you up to $50 for buying your policy digitally online.

Keep in mind that many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, you’re out of luck. But all discounts will cut your overall premium however.

Some of the larger companies that have these benefits include:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

Double check with every prospective company which discounts can lower your rates. All car insurance discounts may not be available in your area. To see insurance companies that offer some of these discounts, click this link.

You are unique and your insurance coverage should be too

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

• What is roadside assistance coverage?
• Do I need rental car coverage?
• Does insurance cover damages from a DUI accident?
• When should I buy a commercial auto policy?
• When do I need to add a new car to my policy?
• What is an SR-22 filing?
• Does liability extend to a camper or trailer?
• Can I pay claims out-of-pocket if I buy high deductibles?
• At what point should I drop full coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance coverages for a 2015 Bentley Continental GT3-R

Learning about specific coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

Liability insurance

Liability insurance will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s 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 can pay for claims like legal defense fees, repair costs for stationary objects, attorney fees, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, hitting a parking meter, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Bentley Continental GT3-R.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like funeral costs, pain medications, hospital visits and surgery. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, hitting a bird and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Power to the consumer

We just presented quite a bit of information on how to compare 2015 Bentley Continental GT3-R insurance prices online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the lowest priced insurance comes from a small local company. These companies often have lower rates on specific markets than their larger competitors like Progressive or Geico.

When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. In too many instances, an insured dropped physical damage coverage only to regret at claim time that the savings was not a smart move. Your objective should be to buy the best coverage you can find at the best cost while still protecting your assets.

For more information, link through to the articles below:

• Information for Teen Drivers (Geico)
• Side Impact Crash Tests (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Auto Insurance 101 (About.com)