Compare 2016 Bentley Flying Spur Car Insurance Cost

Want the cheapest insurance rates for your Bentley Flying Spur? Are you burned out from scraping nickels together to keep your car insured? You are in the same boat as many other drivers. Many insurers compete for your business, and because of this it can be hard to compare auto insurance companies to get the best rate

Five factors that influence insurance costs

Part of the insurance coverage buying process is learning the rating factors that come into play when calculating your premiums. When you understand what controls the rates you pay, this helps enable you to make changes that will entitle you to big savings.

  • Certain vocations pay higher premiums – Did you know your career choice can influence rates? Occupations like doctors, social workers and emergency personnel tend to have the highest rates attributed to high stress levels and incredibly demanding work hours. Conversely, jobs like actors, engineers and performers generally pay rates lower than average for Flying Spur insurance.
  • Mature drivers save more – Beginning drivers have a tendency to be inattentive and easily distracted behind the wheel so they pay higher insurance coverage rates. Having to add a inexperienced driver onto your insurance coverage can be quite pricey. Mature drivers are more cautious drivers, cost insurance companies less in claims and tend to be get fewer driving tickets.
  • Stay claim-free and save money – Car insurance companies give cheaper rates to policyholders who only file infrequent claims. If you file claims often, you can expect higher rates. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
  • Do you really need the extra policy coverages? – There are quite a few additional coverages you can purchase if you aren’t diligent. Insurance for things like vanishing deductibles, death and dismemberment, and additional equipment coverage may be costing you every month. These may sound like a good investment when buying your policy, but your needs may have changed so consider taking them off your policy.
  • Lower rates with a multi-policy discount – Most major companies will give a discount for people that purchase more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s in your best interest to comparison shop to ensure the best deal.

How to buy car insurance

The majority of larger companies make it easy to get coverage prices from their websites. Comparing prices online is fairly straightforward as you just enter your coverage preferences as detailed in the form. When complete, their rating system orders your driving record and credit report and returns a price quote based on the information you submitted. This helps simplify price comparisons, but the time required to go to several different sites and type in the same data is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible in order to find the lowest price.

The preferred way to compare car insurance pricing requires only one form that analyzes rates from a lot of companies. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much simpler. After sending the form, it is rated and you are able to buy any one of the quote results.

If you find a better price you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.

To get comparison pricing now, click here to open in new window and submit the form. If you have your current policy handy, we recommend you input coverages and limits identical to your current policy. This guarantees you will get an apples-to-apples comparison for similar insurance coverage.

Discounts for lower-cost insurance coverage rates

Some insurance providers don’t list all disounts very clearly, so the below list has a few of the more well known and also the lesser-known discounts that may be available.

  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.
  • Policy Bundle Discount – If you can combine your auto and home policy with one company you could get a discount of as much as 10 to 15 percent.
  • Driver Training Discounts – Taking time to complete a driver safety course may get you a small discount and also improve your driving technique.
  • Federal Employees – Active or retired federal employment could qualify for a slight premium decrease for Flying Spur insurance with select insurance companies.
  • Save with a New Car – Buying coverage on a new vehicle can save you some money because new model year vehicles have to meet stringent safety requirements.
  • Driver’s Ed – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can get savings as much as 30%.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous.

Companies and the discounts they provide are shown below.

  • Geico may include discounts for defensive driver, daytime running lights, multi-policy, air bags, emergency military deployment, good student, and multi-vehicle.
  • MetLife discounts include defensive driver, good driver, good student, accident-free, claim-free, multi-policy
  • Progressive may offer discounts for good student, multi-vehicle, multi-policy, online signing, and continuous coverage.
  • Travelers offers premium reductions for hybrid/electric vehicle, driver training, save driver, multi-policy, good student, student away at school, and home ownership.
  • SAFECO policyholders can earn discounts including accident prevention training, multi-car, drive less, safe driver, and anti-theft.
  • AAA includes discounts for AAA membership discount, pay-in-full, anti-theft, multi-policy, good driver, multi-car, and education and occupation.

Before purchasing a policy, check with all the companies the best way to save money. All car insurance discounts may not apply to policies in your area. If you would like to see a list of insurance companies that have a full spectrum of discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might point out whether or not you might need an agent’s assistance.

  • Does coverage extend to my business vehicle?
  • When should I remove comp and collision on my 2016 Bentley Flying Spur?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is a fancy paint job covered?
  • Do I need rental car coverage?
  • What is UM/UIM insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and may give you better protection.

The coverage is in the details

Having a good grasp of your car insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by car insurance companies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like dental work, funeral costs, doctor visits, X-ray expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

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

Comprehensive coverage protects against things such as fire damage, rock chips in glass, hitting a deer, hitting a bird and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, hitting a parking meter, damaging your car on a curb, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability

Liability insurance provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

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. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as structural damage, emergency aid, medical services, loss of income and pain and suffering. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Bentley Flying Spur.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Have the Midas touch

Throughout this article, we presented quite a bit of information on how to get a better price on 2016 Bentley Flying Spur insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting cheaper insurance. You may even find the best car insurance rates are with an unexpected company. Regional companies often have lower premium rates on specific markets than the large multi-state companies such as Progressive or Geico.

As you prepare to switch companies, do not buy poor coverage just to save money. There have been many cases where an insured dropped liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. Your objective should be to buy enough coverage at a price you can afford and still be able to protect your assets.

Some insurance providers may not have price quotes online and most of the time these regional insurance providers work with independent agents. More affordable auto insurance is available both online as well as from independent agents, and you should compare rates from both to get a complete price analysis.

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