Compare 2017 Bentley Continental Insurance Cost

Trying to find better insurance coverage rates for your Bentley Continental? Locating budget insurance coverage online might seem rather difficult for drivers that are relatively new to comparing rates and buying insurance coverage on the internet. With so many agents and companies competing online, how can drivers effectively compare every company in order to find the cheapest price possible?

It’s a good habit to get comparison quotes at least once a year since prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates for Continental insurance a year ago there is a good chance you can find better rate quotes now. Ignore everything you know about insurance coverage because we’re going to demonstrate the right way to buy cheaper insurance coverage.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. This article will instruct you on how to get online quotes and some money-saving tips. But consumers need to learn the way companies sell online and take advantage of how the system works.

How to shop car insurance online

When looking for cheap insurance coverage quotes, there are a couple ways of comparing rates from many different insurance companies. The simplest method to find affordable Bentley Continental insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished by using one of the methods below.

The most efficient way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This quick form keeps you from doing multiple quote forms for each company. Just one form gets you price quotes from multiple companies. It’s definitely the quickest method.

A harder way to compare prices requires a trip to the website for each individual company and fill out a new quote form. For sake of this example, let’s assume you want to view quotes from Liberty Mutual, State Farm and Allstate. In order to compare rates, you need to go to every website and type in your information over and over, which can get old fast.

For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just be sure to compare nearly identical coverage data with every price quote. If each company quotes unequal deductibles or liability limits it’s not possible to determine which company has the best rates. Even a minor difference in limits could throw off the whole comparison. And when comparing car insurance rates, know that comparing more rates from different companies gives you a better chance of getting lower pricing. Some regional insurers cannot provide online quotes, so it’s important to also get rates from the smaller companies as well.

Cheaper insurance coverage quotes with discounts

Not too many consumers would say insurance coverage is affordable, but there may be some discounts that could help you make your next renewal payment. A few discounts will be applied when you quote, but some may not be applied and must be manually applied prior to receiving the credit. If you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.

  • Paperwork-free – A few insurance coverage companies will give you a small discount for buying your policy online.
  • Early Signing – Some companies provide a discount for switching to them before your current expiration date. You may see this discount when you get insurance coverage quotes online.
  • Savings for New Vehicles – Insuring a new car can save you some money compared to insuring an older model.
  • Club Memberships – Being a member of a qualifying organization is a good way to get lower rates when getting a insurance coverage quote.
  • Homeowners Pay Less – Owning your own home or condo can save a few bucks because of the fact that having a home shows financial diligence.

As is typical with insurance, some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, that’s just not realistic.

A few of the larger companies and a partial list of their discounts are included below.

  • The Hartford may include discounts for vehicle fuel type, air bag, bundle, good student, and anti-theft.
  • American Family has discounts for TimeAway discount, accident-free, multi-vehicle, Steer into Savings, bundled insurance, and good driver.
  • Progressive may have discounts that include continuous coverage, good student, online signing, online quote discount, homeowner, and multi-vehicle.
  • Travelers offers discounts including home ownership, new car, multi-policy, driver training, IntelliDrive, and save driver.
  • Farmers Insurance has savings for teen driver, early shopping, electronic funds transfer, homeowner, and good student.
  • USAA discounts include military installation, multi-vehicle, multi-policy, vehicle storage, new vehicle, loyalty savings, and driver training.
  • Liberty Mutual policyholders can earn discounts including newly retired, safety features, multi-policy, teen driver discount, new graduate, and good student.

When comparing rates, check with every prospective company to apply every possible discount. Some discounts listed above may not apply to policyholders in your area. If you would like to view providers who offer insurance coverage discounts, click this link.

Why you might pay increased rates

An important part of buying insurance is that you know the different types of things that aid in calculating the rates you pay for insurance. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that may result in cheaper rates. Many different elements are considered when you get your auto insurance bill. Some factors are common sense such as your driving record, but other factors are less apparent like where you live and annual miles driven.

  • Never let your insurance expire – Going without insurance can be a fast way to drive up your policy premiums. Not only will you pay more, getting caught without coverage could earn you fines or a revoked license.
  • When should you not file a claims? – Auto insurance companies provide better rates to drivers who are not frequent claim filers. If you tend to file frequent claims, you can definitely plan on higher rates. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • How many miles do you drive? – Driving a lot of miles every year the higher your rate. Many insurance companies charge rates based upon how much you drive. Cars and trucks used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Having the wrong rating on your Continental is throwing money out the window. It’s a good idea to make sure your insurance policy is showing the correct usage.
  • Marriage can save you money – Walking down the aisle may save some money when shopping for insurance. Having a significant other generally demonstrates drivers are more financially stable and statistics prove being married results in fewer claims.
  • Cars with good safety ratings save money – Vehicles with high crash test scores get lower rates. The safest vehicles result in less severe injuries and lower rates of occupant injuries translates into savings for insurance companies passed on to you as lower rates. If your Bentley Continental has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Raise coverage deductibles and save – Comprehensive and collision coverage deductibles represent how much money you are willing to pay before your insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. Some examples of covered claims could be a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more expense you choose to pay out-of-pocket, the less money you will pay for insurance for Continental insurance.

Tailor your insurance coverage to you

When it comes to buying coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Can I get a multi-policy discount?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I still get insurance after a DUI?
  • Does my 2017 Bentley Continental need full coverage?
  • Do all my vehicles need collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Why is insurance for a teen driver so high?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Insurance specifics

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses like doctor visits, hospital visits, EMT expenses and ambulance fees. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance coverage pays for 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 pays for things such as falling objects, damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Bentley Continental.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision coverages – This coverage pays for damage to your Continental from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like backing into a parked car, rolling your car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto liability – This can cover damage that occurs to a person or their property by causing an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things like attorney fees, structural damage and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Find Good Coverage for Less

Insureds switch companies for a number of reasons such as unfair underwriting practices, not issuing a premium refund, questionable increases in premium or even policy non-renewal. Regardless of your reason, choosing a new insurance company is less work than it seems.

You just learned some good ideas how to shop for 2017 Bentley Continental insurance online. The key thing to remember is the more rate quotes you have, the higher your chance of finding affordable insurance coverage. Consumers may even find the biggest savings come from a lesser-known regional company.

When getting insurance coverage quotes online, do not buy less coverage just to save a little money. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at the best price while not skimping on critical coverages.

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