Cheaper 2002 Bentley Continental Car Insurance Quotes

Trying to find better auto insurance rates for your Bentley Continental? High-priced Bentley Continental insurance can drain your savings account and force you to cut corners elsewhere. Doing a price comparison is an excellent way to lower your bills every month.

Insurance companies such as State Farm, GEICO and Farmers Insurance promote their brand names with ads and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.

Consumers should take time to shop coverage around periodically because insurance prices fluctuate regularly. Even if you got the lowest rate on Continental coverage two years ago you can probably find a better premium rate now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the only way to buy cheaper auto insurance.

Learn how to lower your insurance prices

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that help determine the rates you pay for auto insurance. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that will entitle you to cheaper rates.

The items below are some of the major factors used by insurance companies to determine your rates.

  • Responsible drivers pay the best rates – Attentive drivers get better prices as compared to careless drivers. Even one driving citation can bump up the cost by twenty percent. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may find that they have to to maintain a SR-22 to the state department of motor vehicles in order to legally drive.
  • With age comes responsibility – Older, more experienced drivers are more responsible, file fewer claims and receive fewer citations.Youthful drivers have been known to be inattentive and easily distracted when driving with friends and because of this, their auto insurance rates are much higher.
  • How much liability coverage do you need? – Your policy’s liability coverage kicks in in the event that a jury decides you are liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Higher deductibles are cheaper – Physical damage coverage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Examples of covered claims are running into the backend of another car, collision with an animal, and damage caused by flying debris. Your deductibles state the amount of money you are required to pay before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on Continental coverage.
  • Improve your credit rating and save – An insured’s credit rating factor in determining premium rates. Insureds with good credit tend to be more responsible than drivers who have bad credit. If your credit history leaves room for improvement, you may save money insuring your 2002 Bentley Continental by spending a little time repairing your credit.
  • Auto insurance lapses lead to higher prices – Allowing your auto insurance policy to lapse is a quick way to increase your rates. In addition to paying higher premiums, being ticketed for driving with no insurance may result in a steep fine or even jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Safer occupants lowers auto insurance rates – Cars with five star safety ratings tend to have better insurance rates. Vehicles built for safety reduce occupant injuries and fewer serious injuries translates into savings for insurance companies which can mean better rates for you.
  • Discounts for married drivers – Having a significant other can get you a discount on your policy. Having a spouse means you’re more stable financially it has been statistically shown that married drivers tend to file fewer claims.

Discounts can really help to save

Insurance coverage is easily one of your largest bills, but you might already qualify for some discounts that can drop the cost substantially. Certain reductions will be credited at the time you complete a quote, but a few need to be inquired about prior to receiving the credit.

  • Telematics Data Discounts – Insureds that choose to allow their insurance company to monitor when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot may see discounts if they have good driving habits.
  • Distant Student Discount – who live away from home to go to college and leave their car at home can be insured at a reduced rate.
  • Home Ownership Discount – Being a homeowner can save a few bucks because owning a home demonstrates responsibility.
  • Mature Driver Discount – Older drivers may be able to get a slight reduction on a insurance quote on Continental coverage.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle up can save a little on medical payment and PIP coverage.
  • Membership in Organizations – Belonging to specific professional or occupational memberships or organizations can get you a small discount on your next insurance coverage statement.
  • Driver Education Discount – Teen drivers should enroll in driver’s education in school.
  • No Claims – Good drivers with no accidents can save substantially compared to frequent claim filers.

Don’t be surprised that some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Even though it appears having all the discounts means you get insurance for free, it’s just not the way it works.

Large insurance coverage companies and their possible discounts include:

  • Esurance has discounts for safety device, anti-theft, multi-car, good driver, anti-lock brakes, defensive driver, and renters.
  • The Hartford may offer discounts for air bag, bundle, good student, vehicle fuel type, and anti-theft.
  • AAA includes discounts for anti-theft, pay-in-full, multi-policy, good driver, AAA membership discount, education and occupation, and good student.
  • GEICO offers premium reductions for five-year accident-free, daytime running lights, defensive driver, air bags, and federal employee.
  • State Farm offers discounts for multiple policy, Drive Safe & Save, Steer Clear safe driver discount, driver’s education, good driver, anti-theft, and safe vehicle.

When getting free insurance quotes, it’s a good idea to each company or agent to apply every possible discount. A few discounts may not apply to policyholders everywhere. If you would like to see a list of insurers with the best discounts, follow this link.

Insurance companies are expert advertisers

Consumers can’t avoid all the ads that claim the best prices from the likes of State Farm and Allstate. They all seem to tend to make the same promise about how much you will save if you just switch your coverage to them.

Is it even possible that every company can make almost identical claims? Here is the trick they use.

Insurance companies give the cheapest rates for a prospective insured that will not have excessive claims. For example, this type of risk profile might have to be a female over age 40, has never had a claim, and has a high credit rating. Any person that hits that “sweet spot” will most likely get cheap premium rates and as a result will probably save a lot of money.

Consumers who do not fit these stringent criteria will probably have to pay a more expensive rate and this can result in the customer buying from someone else. The trick companies use is to say “drivers that switch” not “everyone that quotes” will save that much if they switch. That’s why insurance companies can confidently state the savings.

This really emphasizes why you really should get a wide range of price quotes. It’s just not possible to know the company that will give you the biggest savings.

Will just any policy work for me?

When buying the right insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

  • Is my babysitter covered when using my vehicle?
  • Do I need higher collision deductibles?
  • Are my friends covered when driving my 2002 Bentley Continental?
  • Do I really need UM/UIM coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Specific coverages for a Bentley Continental

Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Liability coverage – Liability insurance can cover damage that occurs to other’s property or people in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like repair costs for stationary objects, repair bills for other people’s vehicles, funeral expenses and structural damage. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a deer, theft, hitting a bird and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like chiropractic care, nursing services, surgery and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision – This will pay to fix damage to your Continental caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as hitting a mailbox, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Bentley Continental.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Smart shoppers get results

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There are many occasions where an insured cut comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. Your objective should be to get the best coverage possible at the best cost.

In this article, we covered many ways to shop for 2002 Bentley Continental insurance online. The key thing to remember is the more companies you get auto insurance rates for, the higher your chance of finding inexpensive insurance. You may be surprised to find that the lowest rates are with a company that doesn’t do a lot of advertising. They may only write in your state and offer lower auto insurance rates as compared to the big name companies such as Allstate or State Farm.

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