2018 Bentley Continental Insurance Rates

Want the cheapest insurance coverage rates? Drivers have many options when trying to find low-cost Bentley Continental insurance. You can either waste hours struggling with agents trying to get quotes or utilize the internet to make rate comparisons.

There are more efficient ways to buy insurance coverage and you need to know the best way to price shop coverage for a new or used Bentley and obtain the cheapest rates from both online companies and local agents.

Consumers should take time to compare premium rates on a regular basis since prices change quite often. Even if you think you had the lowest rate for Continental coverage six months ago you will most likely find a better premium rate today. Ignore everything you know about insurance coverage because you’re going to get a crash course in the only way to remove unneeded coverages and save money.

Discounts can really help save money

Auto insurance is not inexpensive, but there could be significant discounts that can help lower your rates. Certain discounts will be applied when you quote, but a few need to be inquired about before you will receive the discount.

  • Government Employee Discount – Simply working for the federal government could provide a small rate reduction for Continental coverage depending on your company.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • Include Life Insurance and Save – Companies who offer life insurance give a break if you buy some life insurance in addition to your auto policy.
  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Driver Education Discount – Teen drivers should complete a driver education course in school.
  • Low Mileage – Driving fewer miles may enable drivers to earn discounted premium rates on garaged vehicles.
  • Mature Driver Discount – Seniors may receive a small decrease in premiums for Continental coverage.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

To locate providers with significant discounts, click here to view.

How much does auto insurance cost?

There are a lot of ways to compare auto insurance prices but some are less labor-intensive and much quicker. You can spend countless hours talking about coverages with agents in your area, or you can utilize the internet to accomplish the same thing much quicker.

Many popular insurance companies take part in a program that allows shoppers to complete one form, and each participating company provides a quote. This prevents consumers from doing quote requests for each company.

To get comparison pricing now click to open in new window.

The single downside to doing it this way is you can’t choose which carriers to get quotes from. So if you want to select individual companies to request quotes from, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just ensure you’re using exactly the same coverage limits and deductibles for every company. If you compare unequal deductibles or liability limits it will be impossible to determine the lowest rate for your Bentley Continental.

Insurance rates are influenced by these factors

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that come into play when calculating auto insurance rates. When consumers understand what determines base rates, this empowers consumers to make smart changes that could help you find big savings. Lots of things are part of the equation when pricing auto insurance. Most are fairly basic such as traffic violations, but other factors are not quite as obvious such as your credit history or your financial responsibility.

  • Consolidate policies to earn discounts – Most insurers allow better rates to people who carry more than one policy such as combining an auto and homeowners policy. If you currently are using one company, it’s always a smart idea to comparison shop to confirm you are receiving the best rates possible.There is a chance you can save even more even if you insure with multiple companies
  • Tickets can be expensive – Drivers who don’t get tickets get better prices compared to bad drivers. Even one speeding ticket or other violation can increase rates by as much as twenty percent. Drivers who have license-revoking citations such as DUI, reckless driving or excessive speeding are required to prove financial responsibility to the state department of motor vehicles in order to keep their license.
  • High deductibles equal low rates – Comprehensive and collision coverage deductibles are how much you are required to spend if you file a covered claim. Insurance for physical damage to your car, also called ‘full coverage’, protects your car from damage. Some coverage claims are collision with another vehicle, animal collisions, and having a roll-over accident. The more money the insured is willing to pay, the better rate you will receive for Continental coverage.
  • Prices for males may be higher – The statistics show that females take fewer risks when driving. However, this does not mean women are better drivers. Men and women are responsible for auto accidents in similar percentages, but men have accidents that have higher claims. Not only that, but men also get more serious tickets like reckless driving and DUI. Youthful male drivers generally have the highest accident percentage so it costs more to insure them.

Will just any policy work for me?

When it comes to buying the best car insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your situation may require specific advice.

  • Am I covered when using my vehicle for business?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered by my spouse’s policy after a separation?
  • Can I drive in Mexico and have coverage?
  • When do I need to add a new car to my policy?
  • Is my state a no-fault state?
  • Can my babysitter drive my car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Will I lose any money if I cancel my policy before it expires?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Big names are not always cheapest

Drivers can’t get away from all the ads that claim the best prices by companies like State Farm, Allstate and GEICO. They all seem to seem to make the promise of big savings if you get a free auto insurance quote and switch your insurance policy to them.

How is it plausible that every one can offer drivers better rates? It’s all in the numbers.

All the different companies have strict underwriting profiles for the type of customer that earns them the highest profit. An example of a preferred risk might be described as a female over age 40, has few claims, and has a high credit rating. Anyone that matches those criteria will get the preferred rates and have a good chance to save quite a bit of money when switching.

Drivers who do not meet this ideal profile will see higher prices which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “people who switch” not “all people who quote” save the amount stated. That is how companies can advertise the savings.

This illustrates why you absolutely need to get auto insurance quotes from several different companies. It is just not possible to predict which company will provide the lowest car insurance rates.

Insurance coverage options for a 2018 Bentley Continental

Knowing the specifics of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Bentley Continental.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are set the same as your liablity limits.

Collision coverage

This will pay to fix damage to your Continental resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Auto liability

This coverage protects you from damage that occurs to other people or property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

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. As an example, you may have limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like medical expenses, loss of income, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for X-ray expenses, chiropractic care, EMT expenses and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage will pay to fix 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 pays for claims such as theft, damage from flooding, rock chips in glass and fire damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Make an honest buck

In this article, we presented some good ideas how you can lower your 2018 Bentley Continental insurance prices. The most important thing to understand is the more rate quotes you have, the higher your chance of finding the cheapest auto insurance. You may be surprised to find that the biggest savings come from an unexpected company.

People change insurance companies for many reasons like extreme rates for teen drivers, lack of trust in their agent, denial of a claim or policy non-renewal. Whatever your reason, switching insurance companies can be easy and end up saving you some money.

Some insurance companies may not provide the ability to get a quote online and many times these small, regional companies only sell coverage through independent agents. Budget-friendly insurance can be found online and from local agencies, so compare prices from both so you have a total pricing picture.

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