2002 Bentley Continental Insurance Quotes

Searching for better insurance coverage rates for your Bentley Continental? Locating better insurance prices for a Bentley Continental can turn out to be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to buy insurance coverage so you’re going to learn the best way to get price quotes for a new or used Bentley and get the cheapest rates from both online companies and local agents.

It’s a good idea to shop coverage around at least once a year because prices trend upward over time. Despite the fact that you may have had the best price for Continental insurance a year ago there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about insurance coverage because we’re going to show you the only way to save money, get proper coverage and the best rates.

Finding Car Insurance Deals

Comparing car insurance rates can be challenging if you don’t understand the most efficient way. You could spend your day discussing policy coverages with local insurance agents in your area, or you could use the internet to get the quickest rates.

Most of the larger companies belong to an insurance system that enables customers to enter their coverage request one time, and each company returns a competitive quote for coverage. This saves time by eliminating quotation requests to every company.

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

The only drawback to doing it this way is you cannot specify which insurance companies to receive prices from. If you would rather choose from a list of companies to compare prices, we put together a list of companies who write car insurance in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using the exact same deductibles and coverage limits on every quote you get. If you compare differing limits it will be impossible to determine the best price for your Bentley Continental.

Cut your car insurance rates with discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but a few must be asked about prior to receiving the credit. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Multiple Cars – Buying coverage for all your vehicles with the same company qualifies for this discount.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Sign Early and Save – Select companies give a discount for switching policies before your current policy expires. It can save you around 10%.
  • Homeowners Pay Less – Simply owning a home can help you save on car insurance because owning a home shows financial diligence.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Senior Discount – If you’re over the age of 55, you may receive better car insurance rates for Continental insurance.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.

Consumers should know that many deductions do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will bring down your overall premium however.

Car insurance companies that may offer these discounts may include but are not limited to:

Before buying, ask each insurance company what discounts are available to you. All car insurance discounts may not be available in every state.

Pieces of the Bentley Continental insurance rate puzzle

Smart consumers have a good feel for the rating factors that play a part in calculating your car insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

  • Little extras can really add up – There are quite a few additional coverages that can waste your money on your car insurance policy. Insurance for vanishing deductibles, accident forgiveness and motor club memberships are some examples. They may seem like a good idea when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
  • Women pay lower rates – The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both are in accidents at a similar rate, but the men have costlier accidents. Men also statistically receive more costly citations like DUI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
  • Liability insurance protects assets – The liability section of your policy is the coverage that protects you when you are found liable for causing damage or personal injury in an accident. It will provide you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Occupation reflects on rates – Did you know your car insurance rates can be affected by your occupation? Jobs such as real estate brokers, business owners and stock brokers have the highest rates attributed to stressful work requirements and long work days. On the other hand, jobs such as pilots, students and performers get better rates for Continental insurance.
  • Where do you drive? – The more you drive in a year the higher your rates will be. Almost all companies charge to insure your cars based on their usage. Vehicles used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. An improperly rated Continental may be wasting your money. Double check that your car insurance policy is rated on the correct driver usage.
  • Lower rates with optional equipment – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Tickets mean higher rates – Even a single ticket can increase rates by twenty percent. Good drivers receive lower rates than people who have multiple driving citations. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • High crash test scores lower rates – Safer cars tend to have better insurance rates. These vehicles protect occupants better and lower injury rates means lower claim amounts and thus lower rates. If the Bentley Continental scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

You are unique and your auto insurance should be too

When choosing the right insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining whether your personal situation might need professional guidance.

  • Am I covered when delivering products for my home-based business?
  • Do I need special endorsements for business use of my vehicle?
  • Can I still get insurance after a DUI?
  • Is pleasure use cheaper than using my 2002 Bentley Continental to commute?
  • Who is covered by my policy?
  • Who is covered when they drive my 2002 Bentley Continental?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my liability insurance cover pulling a trailer or camper?

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 insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Auto liability

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as loss of income, emergency aid, structural damage, medical services and medical expenses. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Coverage for collisions

This coverage pays for damage to your Continental caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, driving through your garage door, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like nursing services, ambulance fees, dental work and chiropractic care. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Bentley Continental.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, vandalism and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Make a quick buck

When you buy insurance online, make sure you don’t buy poor coverage just to save money. There are a lot of situations where an accident victim reduced liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible for the lowest price, not the least amount of coverage.

People who switch companies do it for any number of reasons including being labeled a high risk driver, delays in responding to claim requests, delays in paying claims or extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new company can be pretty painless.

In this article, we covered many ways to get a better price on 2002 Bentley Continental insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best prices are with the smaller companies.

Additional insurance coverage information can be read below: