Save on 2003 Bentley Continental Insurance Rates

Searching for better auto insurance rates for your Bentley Continental? Trying to come up with a payment for pricey auto insurance can eat up your personal savings and force you to tighten up your finances. Doing a price comparison is a fast and free way to reduce premiums and put more money in your pocket.

Companies like GEICO and Progressive all claim big savings, bombarding you with fancy advertisements and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Get cheaper car insurance with discounts

Car insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that many consumers don’t even know exist. Some discounts apply automatically when you purchase, but some must be inquired about before they will apply.

  • Use Seat Belts – Drivers who require all vehicle occupants to use their safety belts could cut 10% or more off the medical payments premium.
  • Multi-Vehicle Discounts – Buying coverage for several vehicles on a single policy qualifies for this discount.
  • Paper-free Discount – Some larger companies provide a small discount just for signing your application on the internet.
  • Good Driver Discount – Insureds who avoid accidents can pay as much as 50% less on Continental insurance compared to accident prone drivers.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Continental insurance depending on your company.
  • Drivers Ed for Students – Have your child sucessfully take a drivers education course in school.
  • Air Bags and Passive Restraints – Factory air bags or automatic seat belts can get savings of 20 to 30 percent.

As a footnote on discounts, most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

Popular car insurance companies and the discounts they provide are outlined below.

  • GEICO may include discounts for anti-theft, five-year accident-free, federal employee, driver training, seat belt use, and emergency military deployment.
  • USAA has discounts for safe driver, driver training, defensive driver, military installation, vehicle storage, multi-policy, and annual mileage.
  • Progressive policyholders can earn discounts including online quote discount, multi-policy, online signing, continuous coverage, good student, and multi-vehicle.
  • American Family offers discounts for multi-vehicle, TimeAway discount, good student, Steer into Savings, and air bags.
  • Esurance may have discounts that include emergency road assistance, anti-lock brakes, homeowner, Switch & Save, and multi-car.
  • Farmers Insurance offers discounts including bundle discounts, alternative fuel, youthful driver, switch companies, homeowner, and electronic funds transfer.
  • State Farm discounts include anti-theft, good driver, student away at school, passive restraint, and multiple autos.

It’s a good idea to ask every insurance company which credits you are entitled to. Savings may not apply to policies in your area. If you would like to view insurance companies that offer discounts, follow this link.

Ways to get insurance coverage price quotes

Lowering your 2003 Bentley Continental insurance coverage rates isn’t really that difficult. The only requirement is to spend a little time comparing rates to discover which company has inexpensive car insurance quotes. It is quite easy and can be accomplished using one of these methods.

The most efficient way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for separate quote forms for each company you want a rate for. One simple form will get you price quotes direct from many companies.

A more time consuming way to obtain and compare quotes online consists of going to the website for every company you want to comare and repeat the quote process again and again. For examples sake, we’ll assume you want rates from State Farm, Allstate and Liberty Mutual. To get each rate you have to navigate to each company’s site to input your insurance information, which can get old fast.

To view a list of companies in your area, click here.

The least efficient and most time consuming way to find cheaper rates is driving around to and from local insurance agencies. The internet makes this process obsolete unless you prefer the trained advice that can only be provided by a licensed insurance agent. However, consumers can compare the best prices online but buy the policy through an agent.

It’s your choice how you get your quotes, but make sure you use exactly the same coverage limits and deductibles for each comparison quote. If you use higher or lower deductibles you will not be able to determine which rate is truly the best.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

  • What is an SR-22 filing?
  • When can I cancel my policy?
  • Is upholstery damage covered by car insurance?
  • How does medical payments coverage work?
  • Can I afford to buy a different vehicle if my 2003 Bentley Continental is totaled?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • If I drive on a suspended license am I covered?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages 101

Learning about specific coverages of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. These are the usual coverages offered by car insurance companies.

Medical costs insurance – Med pay and PIP coverage pay for expenses like X-ray expenses, EMT expenses, ambulance fees, pain medications and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Bentley Continental.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage – Collision coverage will pay to fix damage to your Continental resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability – This coverage provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as repair costs for stationary objects, bail bonds, medical expenses and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, vandalism, falling objects, hitting a deer and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Saving money is sweet as honey

Lower-priced auto insurance is available from both online companies as well as from insurance agents, so you need to shop car insurance with both so you have a total pricing picture. Some companies may not have internet price quotes and these regional insurance providers only sell coverage through independent insurance agencies.

As you shop your coverage around, never reduce coverage to reduce premium. There are too many instances where someone sacrificed collision coverage only to regret that it was a big mistake. The ultimate goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.

Much more information about auto insurance is available at the links below