2012 Bentley Continental Flying Spur Car Insurance Rates

Looking for cheaper car insurance rates for your Bentley Continental Flying Spur? There isn’t anyone who likes having to buy car insurance, especially when their premiums are through the roof.

Many insurers compete to insure your vehicles, so it’s not easy to compare every company to discover the definitive best rates possible.

The quickest method to compare car insurance rates is to take advantage of the fact most larger insurance companies provide online access to provide you with free rate quotes. All you need to do is take a few minutes to give details including your general credit rating, your education level, level of coverage desired, and how much you drive. That rating data is then sent to many highly-rated insurers and you should receive rate quotes quickly.

To compare rates for your car now, click here and complete the quick form.

Insurance advertising tricks

Companies like State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. All the companies make an identical promise that drivers will save a bundle if you get a free insurance quote and switch your insurance coverage policy to them. Is it even possible that every company can lower your car insurance rates? Just pay attention to how they say it.

Different companies provide the lowest rates for the right customer that earns them a profit. For instance, this type of insured might have to be over age 30, has never had a claim, and drives less than 10,000 miles a year. A customer getting a price quote that matches those criteria will most likely get cheap prices and therefore will save when switching.

Potential insureds who do not match this ideal profile will get a more expensive rate and business going elsewhere. Company advertisements say “drivers that switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can make the claims of big savings.

Each company has different criteria, so you need to compare free insurance quotes often. It’s just too difficult to predict which insurance coverage company will have the lowest prices for your situation.

These discounts can lower your auto insurance rates

Car insurance companies don’t always publicize all possible discounts in an easy-to-find place, so the list below gives a summary of some of the more common and the more hidden discounts that may be available. If you aren’t receiving every discount possible, you could be getting lower rates.

  • Multiple Cars – Drivers who insure multiple cars with one company may reduce the rate for each vehicle.
  • Good Grades Discount – Being a good student can earn a discount of 20% or more. This discount can apply until age 25.
  • Life Insurance – Select companies reward you with a discount if you purchase some life insurance too.
  • Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • College Student – Children who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
  • Drive Safe and Save – Insureds without accidents can save up to 40% or more on their insurance quote for Continental Flying Spur coverage than drivers with accident claims.

As a footnote on discounts, some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you can get free auto insurance, it’s just not the way it works.

Large auto insurance companies and some of their more popular discounts can be found below.

  • Esurance includes discounts for emergency road assistance, anti-lock brakes, renters, defensive driver, good student, good driver, and multi-policy.
  • The Hartford offers discounts for bundle, driver training, air bag, good student, defensive driver, and anti-theft.
  • AAA offers discounts including pay-in-full, multi-policy, good student, AAA membership discount, and anti-theft.
  • GEICO may have discounts that include daytime running lights, air bags, federal employee, five-year accident-free, membership and employees, multi-vehicle, and good student.
  • State Farm has savings for passive restraint, good student, good driver, defensive driving training, and accident-free.

Double check with every insurance company to give you their best rates. Some of the earlier mentioned discounts may not apply in your area.

Different people need different auto insurance coverages

When it comes to choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

  • Which is better, split liability limits or combined limits?
  • Is my dog or cat covered if injured in an accident?
  • Is rental equipment covered for theft or damage?
  • Is my ex-spouse still covered by my policy?
  • Do I need an umbrella policy?
  • Does medical payments coverage apply to all occupants?
  • Do I pay less if my vehicle is kept in my garage?
  • Who is covered by my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Parts of your insurance policy

Understanding the coverages of your insurance policy helps when choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages available from insurance companies.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, hitting a bird and hail damage. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses for things like ambulance fees, funeral costs, rehabilitation expenses and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Bentley Continental Flying Spur.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Collision protection

Collision coverage will pay to fix damage to your Continental Flying Spur caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, colliding with a tree, backing into a parked car, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Liability coverage

This provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

The bottom line

Budget-friendly insurance coverage is definitely available online and also from your neighborhood agents, so you should compare both to have the best rate selection. Some companies do not offer rate quotes online and usually these small, regional companies provide coverage only through independent agencies.

You just read some good ideas how to shop for 2012 Bentley Continental Flying Spur insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the most savings is with a company that doesn’t do a lot of advertising. Smaller companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

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