Save on 2013 Bentley Continental Flying Spur Insurance Quotes

Looking for lower insurance rates for your Bentley Continental Flying Spur? Pretty sure you bought an underperforming, overpriced insurance policy? Believe me, you are not the only one feeling buyer’s remorse.

Due to the large number of choices of insurance companies, it can be diffult for drivers to find the lowest price insurance company.

Take advantage of every auto insurance discount

Not too many consumers would say auto insurance is affordable, but you may qualify for discounts that can help lower your rates. Most are applied at quote time, but a few need to be specifically requested before you will receive the discount.

  • Include Life Insurance and Save – If the company offers life insurance, you could get a lower price if you buy a life insurance policy as well.
  • Homeowners Pay Less – Simply owning a home can get you a discount because maintaining a house shows financial diligence.
  • Driver’s Education for Students – Require your teen driver to participate in a local driver’s education class in school or through a local driver safety program.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up before driving can save a little off the personal injury premium cost.
  • Bundled Policy Discount – If you insure your home and vehicles with one company you could save approximately 10% to 15%.
  • Discounts for Multiple Vehicles – Drivers who insure more than one vehicle with the same auto insurance company can get a discount for every vehicle.

Just know that some credits don’t apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, it’s just not the way it works.

A partial list of companies who may offer some of the above discounts include:

When comparing rates, check with every insurance company which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in every state. If you would like to see a list of insurance companies with discount rates, click here to view.

How to know if you need help

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.

  • How much liability do I need to cover my assets?
  • Will my insurance pay for OEM parts?
  • Do I need special endorsements for business use of my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Does my 2013 Bentley Continental Flying Spur need full coverage?
  • Does my insurance cover my expensive audio equipment?
  • Can I afford to pay high deductible claims out of pocket?
  • Is a blown tire covered by insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my custom paint covered by insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Detailed coverages of your auto insurance policy

Having a good grasp of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by auto insurance companies.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, falling objects, theft and vandalism. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance

This coverage provides protection from damage or injury you incur to people or other property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like bail bonds, funeral expenses, legal defense fees, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Bentley Continental Flying Spur.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for things like dental work, prosthetic devices, pain medications and funeral costs. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision insurance pays for damage to your Continental Flying Spur resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, rolling your car, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Save for a rainy day

We just presented a lot of ways to reduce 2013 Bentley Continental Flying Spur insurance premium rates online. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates come from a small mutual company. Regional companies can often provide lower prices in certain areas than their larger competitors like Allstate, GEICO and Progressive.

A few companies may not provide online quoting and these smaller companies only sell coverage through independent insurance agencies. The cheapest 2013 Bentley Continental Flying Spur insurance is attainable from both online companies and with local insurance agents, and you should compare price quotes from both to get a complete price analysis.

Much more information about car insurance can be read below: