2008 Bentley Continental Flying Spur Car Insurance Rates

Scraping up a payment for pricey Bentley Continental Flying Spur insurance can consume your checking account, especially in this economy. Comparing rate quotes can lower your rates and help to lower your bills every month.

Since you have so many insurance providers from which to choose, it can be hard to locate the most cost effective insurer.

More affordable rates with discounts

Car insurance can cost a lot, but there may be some discounts that could help you make your next renewal payment. Some trigger automatically at the time you complete a quote, but less common discounts must be manually applied prior to receiving the credit. If you aren’t receiving every discount available, you are paying more than you should be.

  • Theft Deterent – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Own a Home and Save – Just being a homeowner can get you a discount because of the fact that having a home demonstrates responsibility.
  • Save with More Vehicles Insured – Drivers who insure several vehicles with the same company may reduce the rate for each vehicle.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
  • Student in College – who are attending college and do not take a car to college may qualify for this discount.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. So even though you would think you could get a free car insurance policy, car insurance companies aren’t that generous.

A few popular companies and some of their more popular discounts can be read below.

  • GEICO offers discounts for defensive driver, driver training, daytime running lights, anti-theft, membership and employees, and military active duty.
  • Travelers has discounts for hybrid/electric vehicle, home ownership, payment discounts, continuous insurance, new car, and multi-car.
  • Nationwide may offer discounts for defensive driving, accident-free, anti-theft, Farm Bureau membership, easy pay, and business or organization.
  • Farmers Insurance offers discounts including early shopping, switch companies, distant student, electronic funds transfer, and business and professional.
  • Esurance may have discounts that include online quote, renters, anti-lock brakes, Switch & Save, and Pac-12 alumni.
  • State Farm offers premium reductions for Steer Clear safe driver discount, safe vehicle, passive restraint, multiple policy, and Drive Safe & Save.
  • Progressive has savings for multi-vehicle, good student, online quote discount, multi-policy, and continuous coverage.
  • Mercury Insurance may include discounts for good student, multi-car, multi-policy, professional/association, location of vehicle, and ease of repair.

If you need the cheapest car insurance quotes, ask every company how you can save money. Some of the discounts discussed earlier may not apply to policies in your area. For a list of insurance companies who offer car insurance discounts, click here.

Where can I get cheap car insurance?

Getting a cheap price on 2008 Bentley Continental Flying Spur insurance is not rocket science. All that’s required is to spend a little time to compare rate quotes from some recommended companies. You can get a good selection of rate quotes in a couple of different ways.

  • The recommended way to find low rates is a comparison rater form click to view form in new window. This method saves time by eliminating repetitive form entry for each company. A single, simple form will get you price quotes from several companies.
  • A more difficult way to get quotes online is to take the time to go to the website of each company and complete a new quote form. For examples sake, we’ll assume you want to get rates from Progressive, Allstate and GEICO. To find out each rate you need to navigate to each company’s site and repeatedly type in your coverage information, which can be really labor intensive. For a list of links to companies insuring cars in your area, click here.
  • Even if you have time, the least recommended way to compare rates is driving around to local insurance agencies. Doing it all online eliminates the middleman unless you prefer the personal advice of a licensed agent. However, consumers can find lower rates online and get advice from an agent in your area.

Compare rates however you want, just try to keep exactly the same quote information for every quote you compare. If your comparisons have mixed coverages you will not be able to determine which company has the best rates.

What is the best car insurance coverage?

When it comes to buying coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • Can I make deliveries for my home business?
  • Should I have combined single limit or split liability limits?
  • Will filing a claim cost me more?
  • Will I lose any money if I cancel my policy before it expires?
  • When would I need rental car insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What if I don’t agree with a claim settlement offer?
  • How much liability do I need to cover my assets?
  • Do I have coverage if my license is suspended?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

The coverage is in the details

Knowing the specifics of auto insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages offered by auto insurance companies.

Collision protection

This will pay to fix damage to your Continental Flying Spur resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2008 Bentley Continental Flying Spur.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, theft, fire damage, rock chips in glass and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages

Liability coverage will cover damage that occurs to other people or property in an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like legal defense fees, pain and suffering, attorney fees, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills such as dental work, surgery, rehabilitation expenses, doctor visits and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Buy Smart and Save

We just presented a lot of tips how to save on 2008 Bentley Continental Flying Spur insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from the smaller companies. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Some insurance providers may not provide the ability to get quotes online small, regional companies work with local independent agents. Cheaper 2008 Bentley Continental Flying Spur insurance is definitely available from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best selection.

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