2014 Bentley Flying Spur Insurance Rates – 6 Tips for Best Quotes

Searching for better car insurance rates for your Bentley Flying Spur? Trying to come up with a payment for pricey car insurance can stress out your savings account and force you to make tough financial choices. Online insurance companies like State Farm, Allstate, GEICO and Progressive continually bombard you with ad campaigns and it is challenging if not impossible to see past the geckos and flying pigs and effectively compare rates to find the best deal.

If you have a current auto insurance policy or need a new policy, you will benefit by learning to find the best rates while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners just need to learn the most effective way to compare price quotes over the internet.

Get lower-cost rates by earning these six discounts

Car insurance is not an enjoyable expense, but there’s a good chance there are discounts that may help make it more affordable. Many of these discounts will be applied automatically at the time of purchase, but a few need to be specially asked for before you will receive the discount.

  • Low Mileage Discounts – Maintaining low annual mileage may allow you to get lower prices due to less chance of an accident.
  • Theft Deterent – Vehicles optioned with advanced anti-theft systems can help prevent theft and will save you 10% or more.
  • Savings for New Vehicles – Putting coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Discount for Home Ownership – Simply owning a home can save a few bucks because it is proof of financial responsibility.
  • Full Payment Discount – If you can afford to pay the entire bill rather than spreading payments over time you can avoid monthly service charges.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance in addition to your auto policy.

Keep in mind that some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, that’s just not realistic.

Car insurance companies who may offer some of the above discounts include:

Check with all the companies to apply every possible discount. Some discounts might not apply in your area. If you would like to choose from a list of insurance companies with discount rates, click here.

Your car insurance coverage should be tailored to you

When buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different so your insurance should reflect that For example, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • I have health insurance so do I need medical payments coverage?
  • Does insurance cover damages from a DUI accident?
  • Can my teen drive my company car?
  • Do I benefit by insuring my home with the same company?
  • How high should my medical payments coverage be?
  • Who is covered when they drive my 2014 Bentley Flying Spur?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have 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 can help protect your family.

Insurance coverage specifics

Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses for things like ambulance fees, dental work, hospital visits, doctor visits and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance covers damage to your Flying Spur caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, colliding with a tree, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, damage from a tornado or hurricane, damage from flooding, rock chips in glass and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

Liability insurance will cover injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as legal defense fees, attorney fees, bail bonds and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Bentley Flying Spur.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

A penny earned…

You just read a lot of tips how to save on 2014 Bentley Flying Spur insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even find the most savings is with the least-expected company. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

Lower-priced car insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies do not offer the ability to get quotes online and many times these smaller companies provide coverage only through independent agents.

Additional detailed information can be read in the articles below: