Lower Your 2015 Bentley Flying Spur Insurance Quotes

Cutting costs on car insurance can be nearly impossible for beginners to comparing rates online. Consumers have so many options available that it can quickly become a real challenge to find the best price.

It’s a good idea to do rate comparisons periodically because prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates for Flying Spur insurance a couple years back other companies may now be cheaper. Starting right now, block out anything you think you know about car insurance because we’re going to show you the quickest way to reduce your cost while increasing coverage.

Comprehensive Car Insurance Comparison Quotes

There are several ways of comparing rates from local car insurance companies. One of the best ways to find the cheapest 2015 Bentley Flying Spur insurance rates is to get quotes online. This is very easy and can be done in a couple of different ways.

  1. The recommended way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing a different quote for each company you want a rate for. A single form gets you coverage quotes from multiple companies. It’s definitely the quickest method.
  2. A less efficient way to obtain and compare quotes online is to manually visit the website of each company to request a price quote. For examples sake, we’ll assume you want comparison quotes from Nationwide, Farmers and State Farm. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make absolute certain that you use identical deductibles and coverage limits with each company. If each company quotes unequal deductibles or liability limits you will not be able to truly determine the lowest rate. Quoting even small variations in coverages could mean much higher rates. Keep in mind that obtaining a wide range of quotes will enable you to find the best rates.

Do you qualify for discounts?

Car insurance is not cheap, but companies offer discounts that you may not know about. Some discounts apply automatically when you get a quote, but a few must be requested specifically prior to receiving the credit.

  • Resident Student – Kids in college living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Save over 55 – If you’re over the age of 55, you may be able to get better insurance coverage rates for Flying Spur insurance.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • One Accident Forgiven – Certain companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Homeowners Pay Less – Owning a house may earn you a small savings because maintaining a house is proof that your finances are in order.

It’s important to understand that some credits don’t apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous. Any qualifying discounts will cut the cost of coverage.

Insurance companies that possibly offer some of the above discounts are:

Check with all companies you are considering how you can save money. All car insurance discounts might not be offered in your area.

Why your Bentley Flying Spur insurance rates may be high

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for insurance. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to better insurance rates.

  • A clean driving record saves money – Only having one speeding ticket can bump up the cost forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Drivers with dangerous tickets such as DUI or reckless driving are required to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
  • Sex matters – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes are in accidents at a similar rate, but the males cause more damage. They also get more serious tickets such as reckless driving. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Save money with special equipment – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
  • Where do you drive? – The more miles you rack up on your Bentley each year the more you will pay for insurance. Most companies rate vehicles determined by how the vehicle is used. Cars and trucks that are left in the garage can get a lower rate than those used for commuting. An improperly rated Flying Spur can cost quite a bit. Verify your insurance policy properly reflects how each vehicle is driven, because it can save money.
  • Being married is a good thing – Getting married can get you a discount when buying insurance. Marriage is viewed as being more mature and responsible and it’s proven that married drivers get in fewer accidents.

Don’t assume everyone needs the same coverage

When choosing adequate coverage, there really is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

  • Am I better off with higher deductibles on my 2015 Bentley Flying Spur?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does having multiple vehicles earn me a discount?
  • Am I missing any policy discounts?
  • Should I rate my 2015 Bentley Flying Spur as pleasure use or commute?
  • What are the financial responsibility laws in my state?
  • Do all my vehicles need collision coverage?
  • Do I need motorclub coverage?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Specific coverage details

Having a good grasp of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, fire damage, falling objects, theft and damage from flooding. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses like ambulance fees, nursing services, hospital visits and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people. 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. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as loss of income, court costs, bail bonds, pain and suffering and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

This covers damage to your Flying Spur from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, crashing into a ditch, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2015 Bentley Flying Spur.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Take this to the bank

When shopping online for car insurance, never buy less coverage just to save a little money. Too many times, an accident victim reduced comprehensive coverage or liability limits and learned later that it was a big mistake. Your aim should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Affordable 2015 Bentley Flying Spur insurance can be found online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Insureds change insurance companies for any number of reasons including poor customer service, extreme rates for teen drivers, delays in responding to claim requests or being labeled a high risk driver. Regardless of your reason for switching companies, finding a new company is actually quite simple.

Additional car insurance information is available at the links below