2017 Bentley Flying Spur Car Insurance Rates

Looking for better insurance rates for your Bentley Flying Spur? Scraping up a payment for expensive Bentley Flying Spur insurance can bleed your family’s budget and possibly require postponing other expenditures. Comparing rates annually is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Since drivers have many options when it comes to insurance, it can be challenging to find the lowest cost company.

Smart consumers take time to compare premium rates as often as possible since prices are rarely the same from one policy term to another. Even if you think you had the best price on Flying Spur insurance on your last policy you can probably find a lower rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the quickest way to reduce your cost while improving coverage.

Drivers can save with these premium-slashing discounts

Companies that sell car insurance don’t always advertise every policy discount very well, so here is a list both the well known in addition to some of the lesser obvious discounts that you may qualify for.

  • Military Rewards – Being deployed in the military can result in better prices.
  • Include Life Insurance and Save – Larger car insurance companies have a discounted car insurance rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Anti-theft System – Cars, trucks, and SUVs with anti-theft systems help deter theft and can earn a small discount on your policy.
  • No Charge for an Accident – This one is not really a discount per se, but a handful of insurance companies will let one accident slide before hitting you with a surcharge if you have no claims prior to the accident.
  • Air Bags and Passive Restraints – Options like air bags may earn rate discounts of up to 25% or more.

One last thing about discounts, some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, you won’t be that lucky.

Popular car insurance companies and some of the premium reductions they offer can be found below.

  • Farmers Insurance offers discounts including early shopping, electronic funds transfer, alternative fuel, business and professional, good student, distant student, and multi-car.
  • Esurance discounts include defensive driver, DriveSense, Pac-12 alumni, good driver, anti-theft, and homeowner.
  • State Farm may have discounts that include safe vehicle, multiple policy, multiple autos, driver’s education, and good driver.
  • GEICO may offer discounts for multi-vehicle, military active duty, federal employee, daytime running lights, and anti-lock brakes.
  • Allstate includes discounts for economy car, farm vehicle, resident student, 55 and retired, good student, and new car.

If you want the cheapest car insurance quotes, ask all the companies to apply every possible discount. Depending on the company, some discounts may not be available in your area. If you would like to see a list of providers that offer the discounts shown above, click here to view.

Bentley Flying Spur insurance price factors

Lots of things are taken into consideration when you get your auto insurance bill. Some are pretty understandable like your driving record, but others are less obvious such as your credit history or your commute time.A large part of saving on auto insurance is knowing the factors that help determine the level of your policy premiums. If you have a feel for what influences your rates, this allows you to make good choices that can help you get much lower annual insurance costs.

  • Better drivers pay lower costs – How you drive impacts premiums far more than you think. Even a single moving violation can boost insurance rates to the point where it’s not affordable. Drivers who don’t get tickets get better prices as compared to careless drivers. Drivers with multiple violations such as DWI, reckless driving or hit and run convictions might be required by their state to complete a SR-22 to the state department of motor vehicles in order to keep their license.
  • Premiums are lower the older you get – Teen drivers tend to be inattentive and easily distracted in a vehicle so auto insurance rates are higher. Adding a first-time driver to your auto insurance policy can cause a big jump in price. Older drivers are more responsible, cost insurance companies less in claims and get fewer tickets.
  • Your gender affects costs – Statistics demonstrate that females tend to be a little less risky than males. That doesn’t necessarily mean that males are worse at driving than females. Males and females cause auto accidents at a similar rate, but males have accidents that have higher claims. In addition to higher claims, males also have more aggressive citations like DUI and reckless driving.
  • Auto insurance policy lapses increase rates – Driving any period of time without insurance is a big no-no and auto insurance companies will penalize you for letting your coverage lapse. In addition to paying higher premiums, not being able to provide proof of insurance can result in a license revocation or jail time. You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Reduce premiums by driving safer cars – Vehicles with good safety scores can get you lower premiums. Safer cars reduce occupant injuries and lower injury rates translates directly to fewer claims and cheaper rates on your policy. If your Bentley Flying Spur is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Policy add-ons can waste money – There are quite a few extra bells and whistles that sound like a good idea at the time when buying auto insurance. Insurance for things like vanishing deductibles, better glass coverage, and term life insurance are some examples. The coverages may be enticing when talking to your agent, but if you have no use for them remove them and pocket the money.
  • Single vs. married – Getting married may save some money when shopping for auto insurance. Marriage may mean you are more responsible and insurance companies reward insureds because married drivers get in fewer accidents.

Do I need special coverages?

When it comes to choosing coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique so this has to be addressed. For example, these questions can aid in determining if you would benefit from an agent’s advice.

  • What is high-risk coverage and where do I buy it?
  • When should I buy a commercial auto policy?
  • Am I covered when driving in Canada or Mexico?
  • Can I rent a car in Mexico?
  • Do I need more liability coverage?
  • How high should deductibles be on a 2017 Bentley Flying Spur?
  • Can my babysitter drive my car?
  • Should I bundle my homeowners policy with my auto?

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

Tricks in insurance advertising

Companies like Allstate and Progressive consistently run ads on television and other media. They all seem to make an identical promise that people will save if you move to them. How do they all charge lower premium rates? Just pay attention to how they say it.

All companies give the cheapest rates for the type of driver that will be a good risk. A good example of this type of driver may need to be over the age of 40, has few claims, and has great credit. Anyone that matches those criteria will get the preferred prices and as a result will probably save a lot if they switch.

Potential insureds who don’t qualify for the requirements will see a higher premium which leads to the customer buying from a different company. The ad wording is “people who switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can make those claims.

This really illustrates why it is so important to compare as many free car insurance quotes as you can. Because you never know the company that will provide you with the cheapest prices.

Insurance coverage basics

Learning about specific coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, colliding with a tree, damaging your car on a curb, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like rehabilitation expenses, surgery and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability

This protects you from damage or injury you incur to other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like medical services, funeral expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

UM/UIM Coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Bentley Flying Spur.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, theft and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Stretch your dollar

We just covered many tips how you can lower your 2017 Bentley Flying Spur insurance car insurance rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your premium rates. Drivers may discover the lowest car insurance rates come from the least-expected company. Regional companies can often provide lower premium rates in certain areas compared to the large companies like State Farm or Progressive.

Cheaper insurance can be bought from both online companies and from local insurance agents, and you should compare rates from both to have the best selection. A few companies may not offer internet price quotes and these regional carriers provide coverage only through independent insurance agencies.

For more information, take a look at the articles below: