Lower Your 2009 Bentley Continental Flying Spur Insurance Quotes

Having to pay for high-priced Bentley Continental Flying Spur insurance can draw down your bank account and maybe even restrict other spending. With so many insurance providers from which to choose, it’s difficult to find the most cost effective insurer.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these methods. Consumers only need an understanding of the most efficient way to shop their coverage around online.

How to buy insurance coverage

There are multiple methods to shop for insurance coverage, but there is one way that is less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to quickly compare rates.

All the larger companies enroll in a system where insurance shoppers submit their information once, and at least one company can give them a price for coverage. This eliminates the need for quotation requests to every company.

To compare rates using this form now click here to start a free quote.

The one downside to doing it this way is buyers cannot specifically choose the companies to get quotes from. If you wish to select from a list of companies to compare prices, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

It’s your choice how you get your quotes, but be sure you’re using exactly the same coverage information for each price quote. If each company quotes different deductibles then you won’t be able to get a fair rate comparison.

Advertising and car insurance

Consumers constantly see and hear ads that promise big savings for switching by Allstate, GEICO and Progressive. All the companies tend to make the same promise of big savings if you switch your coverage.

How does every company make almost identical claims? This is the trick they use.

Insurance companies quote their best rates for the type of driver that will add to their bottom line. For instance, a profitable insured should be between the ages of 30 and 50, has no prior claims, and does not commute to work. A customer who meets those qualifications receive the lowest rate quotes and will also save money with a new company.

Insureds who are not a match for those standards will be quoted higher premium rates and this results in business going elsewhere. The trick is to say “drivers that switch” not “everyone who quotes” save the amount stated. That is how companies can lure you into getting a quote. This emphasizes why it is so important to get car insurance quotes as often as possible. It’s just not possible to know with any certainty which company will give you lower rates than your current company.

How insurers calculate Bentley Continental Flying Spur insurance costs

Lots of factors are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like your driving record, but other criteria are more transparent such as whether you are married or your financial responsibility.

Shown below are most of the major factors used by insurance companies to determine your rate level.

  • Rates may be higher where you live – Living in smaller towns and rural areas of the country has it’s advantages if you are looking for the lowest rates. City drivers regularly have more road rage incidents and a longer drive to work. Fewer people corresponds to lower accident rates.
  • High deductibles reduce premiums – The deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of covered claims are rearending another vehicle, collision with a deer, and damage from wind. The more you are required to pay out-of-pocket, the less your company will charge you for insurance on Continental Flying Spur insurance.
  • Gender matters – Statistics show women are more cautious behind the wheel. It does not mean women are BETTER drivers than men. Women and men tend to get into at-fault accidents in similar numbers, but males tend to have more serious accidents. Men also statistically get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 generally have the highest accident percentage and therefore are the most expensive to insure.
  • Qualify for multi-policy discounts – Most larger insurers will award a discount to clients who buy several policies from them. It’s known as a multi-policy discount. Even with this discount, you still need to check prices from other companies to help ensure you have the lowest rates.
  • Never allow your coverage to lapse – Driving any period of time without insurance is a big no-no and you will pay a penalty because you let your insurance lapse. Not only will you pay higher rates, not being able to provide proof of insurance will get you fines and jail time.
  • Prevent your car from being stolen – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent auto theft and help lower rates.
  • Frequent insurance claims will cost more – If you file a lot of claims you can pretty much guarantee much higher rates or policy non-renewal. Companies generally give the best rates to policyholders who are claim-free. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • Safer occupants lowers rates – Cars with high safety ratings tend to be cheaper to insure. Safe vehicles result in less severe injuries and lower rates of occupant injuries translates directly to fewer claims and lower rates for you.

Discounts can really help lower premiums

Companies do not list every available discount in an easy-to-find place, so below is a list both well-publicized and also the more inconspicuous credits that may apply to you.

  • Savings for New Vehicles – Insuring a vehicle that is new can save you some money since newer vehicles are generally safer.
  • Lower Rates for Military – Being deployed in the military could trigger a small discount.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will qualify for a discount on a car insurance quote.
  • Homeowners Savings – Being a homeowner can get you a discount since owning and maintaining a home shows financial diligence.
  • Distant Student Discount – College-age children who attend college more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.

Don’t be surprised that most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky. Any amount of discount should definitely cut the amount you pay for coverage.

A few popular companies and a selection of discounts can be read below.

  • Progressive offers discounts including online quote discount, multi-vehicle, good student, homeowner, and multi-policy.
  • SAFECO has savings for anti-theft, anti-lock brakes, drive less, bundle discounts, and teen safety rewards.
  • American Family may include discounts for bundled insurance, mySafetyValet, good driver, multi-vehicle, accident-free, and early bird.
  • MetLife offers discounts for good student, defensive driver, claim-free, good driver, and accident-free.
  • GEICO includes discounts for daytime running lights, federal employee, five-year accident-free, multi-vehicle, and defensive driver.
  • The Hartford discounts include vehicle fuel type, driver training, defensive driver, good student, air bag, bundle, and anti-theft.

If you are trying to find inexpensive car insurance quotes, ask all companies you are considering the best way to save money. A few discounts may not apply to policyholders everywhere. To view insurance companies with discount car insurance rates, click this link.

Will just any policy work for me?

When buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if your situation would benefit from professional advice.

  • Does my insurance cover my expensive audio equipment?
  • Why do I need rental car insurance?
  • Am I covered if I wreck a rental car?
  • Am I covered when driving on a suspended license?
  • Am I covered when delivering products for my home-based business?
  • Why am I required to buy high-risk coverage?
  • Should I have combined single limit or split liability limits?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

Auto insurance coverages

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Coverage for liability – Liability insurance will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

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 values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as funeral expenses, repair costs for stationary objects, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hail damage, fire damage, hitting a bird and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills like rehabilitation expenses, surgery, nursing services and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverages – This coverage covers damage to your Continental Flying Spur caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Shop around and save

Discount 2009 Bentley Continental Flying Spur insurance can be sourced on the web and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not have rate quotes online and usually these small, regional companies prefer to sell through independent insurance agencies.

When getting car insurance quotes online, it’s not a good idea to buy less coverage just to save a little money. In many cases, drivers have reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to buy a smart amount of coverage at the best cost.

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