Save on 2017 Bentley Continental Insurance Cost

Trying to find better auto insurance rates for your Bentley Continental? High-priced auto insurance can take a big chunk out of your checking account and force you to prioritize other expenses. Getting a rate comparison can be a smart way to make sure you’re not throwing money away.

Online insurance companies like State Farm, Progressive and GEICO continually bombard you with TV and radio ads and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It’s a good habit to get comparison quotes yearly because rates are usually higher with each renewal. Just because you found the best rate for Continental coverage a couple years back the chances are good that you can find a lower price today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the only way to buy cheaper auto insurance.

Earn discounts to get lower-cost auto insurance rates

Car insurance companies don’t always list every policy discount very well, so below is a list a few of the more common as well as some of the hidden credits available to bring down your rates.

  • Multiple Vehicles – Insuring primary and secondary vehicles with one company can reduce the rates for all insured vehicles.
  • Senior Citizen Discount – Mature drivers can possibly qualify for a small discount on rates for Continental coverage.
  • Professional Organizations – Being a member of a civic or occupational organization could earn you a nice discount on your next auto insurance statement.
  • Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less for Continental coverage compared to rates paid by drivers with frequent claims.
  • Accident-Free Discounts – Good drivers with no accidents pay less as compared to drivers with a long claim history.
  • Switch and Save Discount – Some companies provide a discount for signing up prior to your current policy expiring. Ten percent is about the average savings.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes have fewer accidents and therefore earn up to a 10% discount.
  • Homeowners Pay Less – Owning your own home or condo can save a few bucks due to the fact that maintaining a home demonstrates responsibility.

A quick disclaimer, most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, you aren’t that lucky.

A few companies who may offer these benefits may include but are not limited to:

If you are trying to find affordable auto insurance quotes, ask every prospective company which discounts you qualify for. All car insurance discounts may not apply to policies in your area. To see insurers that offer discounts, follow this link.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For example, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • Which companies will insure high-risk drivers?
  • Is a blown tire covered by insurance?
  • Is my 2017 Bentley Continental covered for flood damage?
  • What if I don’t agree with a claim settlement offer?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is the minimum liability in my state?
  • What vehicles should carry emergency assistance coverage?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Save 15 percent in 15 minutes? Is it for real?

Drivers get pounded daily by advertisements that claim the cheapest prices by companies like State Farm, GEICO and Progressive. They all seem to make the promise that you’ll save big if you switch your policy.

How do they all charge you a lower premium? It’s all in the numbers.

All companies quote their cheapest rates for the type of driver that will generate a profit. A good example of a profitable customer may need to be between the ages of 30 and 50, has a clean driving record, and drives less than 5,000 miles a year. A customer who fits those characteristics receive the lowest rate quotes and will save when switching.

Insureds who do not meet these criteria will have to pay higher premium rates which results in the customer not buying. If you pay attention, the ads say “drivers who switch” not “everyone who quotes” save that much when switching. That is how companies can make claims like that. Because every company is different, you absolutely need to compare as many free auto insurance quotes as you can. It’s just not possible to know which insurance companies will have the lowest rate quotes.

Auto insurance coverage information

Having a good grasp of a auto insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most auto insurance policies.

Auto collision coverage

This coverage covers damage to your Continental from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, scraping a guard rail, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for liability

Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as medical services, repair costs for stationary objects, medical expenses and structural damage. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, damage from a tornado or hurricane and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like dental work, doctor visits, nursing services, ambulance fees and hospital visits. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Bentley Continental.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Buy online or local, you save

Some insurance companies do not offer price quotes online and these smaller companies work with independent agents. Discount 2017 Bentley Continental insurance can be found both online as well as from insurance agents, and you need to comparison shop both to have the best rate selection.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed collision coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

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