2017 Bentley Bentayga Insurance Quotes – 10 Tricks for Best Rates

Scraping up a payment for overpriced Bentley Bentayga insurance can empty your bank account and make it hard to pay other bills. Doing a rate analysis is a great way to make sure you’re not throwing money away.

Since you have so many choices, it’s nearly impossible to pick the most affordable car insurance provider.

Consumers need to take a look at other company’s rates every six months because prices are adjusted regularly by insurance companies. Even if you think you had the best deal for Bentayga insurance last year you can probably find a better rate quote now. Forget anything you know (or think you know) about car insurance because you’re going to learn how to use online quotes to lower your annual insurance bill.

This article will let you in on the best way to quote coverages and some money-saving tips. If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. But car owners do need to know the methods companies use to price online insurance.

Cheap car insurance quotes online

There are a variety of methods to shop for car insurance, and some are less labor-intensive and much quicker. You could spend the better part of a day talking to insurance companies in your area, or you could save time and use the web for quick rates.

Most major companies participate in an industry program where prospective buyers complete one form, and at least one company then returns a price quote determined by their information. This eliminates the need for form submissions to every company.

To find out how much you can save on car insurance click here (opens in new window).

One minor caviat to using this type of system is you don’t know exactly which insurance companies you will receive quotes from. So if you want to select individual companies to compare rates, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, compare the same quote data with each company. If you compare different limits and deductibles on each one you can’t possibly determine which company has the best rates. Slightly different insurance coverages or limits could skew the results. And when price shopping your coverage, getting more free quotes increases the change that you will find a better price. Not every company does quotes online, so it’s important to also get price estimates on coverage from those companies, too.

Be skeptical of insurance coverage ads

Insurance coverage companies such as Allstate and Progressive continually stream television, radio, and online ads. All the companies seem to make the promise that drivers can save some big amount after switching your insurance coverage policy to them. How does every insurance coverage company give you a better price? It’s all in the words they use.

All companies are able to cherry pick for the type of driver that will not have excessive claims. For example, a desirable insured could be between 25 and 40, owns their home, and has a short commute. Any person who matches those parameters may get the lowest car insurance rates and most likely will save some money.

Potential insureds who don’t measure up to these criteria may be required to pay higher rates and the customer buying from someone else. The ad wording is “people that switch” not “everybody who quotes” will save that much if they switch. That’s the way companies can make the claims of big savings.

This illustrates why you need to compare as many free insurance coverage quotes as you can. It’s not possible to predict which company will give you lower rates than your current company.

Don’t miss with these ten discounts

Insurance is neither fun to buy or cheap, but companies offer discounts that many people don’t even know exist. A few discounts will be applied when you purchase, but a few must be inquired about before you get the savings.

  • Organization Discounts – Joining a qualifying organization is a good way to get lower rates on insurance.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
  • Cautious Drivers – Accident-free drivers can pay as much as 50% less for Bentayga insurance than less cautious drivers.
  • Discount for Swiching Early – A few companies give discounts for switching companies before your current coverage expires. The savings is around 10%.
  • Senior Citizen Discount – Drivers over the age of 55 can possibly qualify for better insurance rates for Bentayga insurance.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
  • Paperwork-free – A handful of larger companies will provide an incentive for buying a policy and signing up on your computer.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control are safer to drive and will save you 10% or more.
  • Defensive Driver Discount – Successfully completing a class that teaches safe driver techniques could possibly earn you a 5% discount depending on where you live.

It’s important to note that many deductions do not apply the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, it just doesn’t work that way. But any discount will cut your premiums.

A partial list of companies that may include many of the previously listed discounts include:

When getting free insurance coverage quotes, it’s a good idea to all the companies how many discounts you can get. A few discounts may not apply to policyholders in your state.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

  • Why am I required to buy liability insurance?
  • Does having multiple vehicles earn me a discount?
  • Do I pay less if my vehicle is kept in my garage?
  • Where can I find high-risk insurance?
  • Is my custom paint covered by insurance?
  • I have health insurance so do I need medical payments coverage?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance coverages for a Bentley Bentayga

Having a good grasp of car insurance can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by car insurance companies.

Comprehensive car insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, hail damage, falling objects, a broken windshield and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

This coverage covers damage to your Bentayga resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for immediate expenses like surgery, funeral costs, hospital visits and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability car insurance

Liability insurance protects you from damage or injury you incur to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as loss of income, court costs, emergency aid and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Bentley Bentayga.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Save your hard earned cash

In this article, we presented a lot of techniques to compare 2017 Bentley Bentayga insurance premium rates online. The key thing to remember is the more rate quotes you have, the better likelihood of getting the cheapest insurance coverage. Consumers may even find the lowest premium rates are with some of the smallest insurance companies. Some small companies can often provide lower prices in certain areas than the large multi-state companies such as GEICO and State Farm.

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice full coverage and learned later that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Other learning opportunities