2018 Bentley Continental Insurance Quotes

Car insurance shoppers not familiar with comparing insurance rates online may discover locating inexpensive auto insurance is more work than they thought.

Finding insurance coverage

Many insurance companies such as State Farm, Allstate and Geico provide price estimates from their websites. This process is possible for anyone because you just enter the coverages you want on the page. After you complete the form, the system will obtain credit information and your driving record and generates a price determined by many factors.

Being able to quote online streamlines rate comparisons, but the process of having to visit a lot of sites and enter the same data into a form is repetitive and time-consuming. But it’s also necessary to compare as many rates as possible in order to get the lowest possible prices on insurance coverage.

A more efficient way to lower your insurance coverage bill uses one form to obtain quotes from more than one company. The form is fast, helps eliminate reptitive entry, and makes online quotes much easier to do. Immediately after you send the form, it is quoted and you can select any or none of the quote results. If you find a better price it’s easy to complete the application and purchase the new policy. It can be completed in a matter of minutes and may result in a nice savings.

In order to find out if lower rates are available, click here to open in a new tab and enter your information. If you have a policy now, it’s recommended you complete the form with the coverage information identical to your current policy. This guarantees you will have a rate comparison based on identical coverages.

Save with these discounts

Some companies don’t list every policy discount very well, so the following is a list of both the well known and the more hidden credits available to bring down your rates. If they aren’t giving you every credit available, you could be saving more on your insurance coverage.

  • Save with More Vehicles Insured – Buying coverage for multiple vehicles with the same insurance coverage company can get a discount for every vehicle.
  • Seat Belt Discounts – Requiring all passengers to use their safety belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • ABS Brakes – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
  • Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you could save 5% or more.
  • Organization Discounts – Belonging to qualifying employment or professional organizations can get you a small discount when shopping for insurance coverage.
  • No Accidents – Drivers who stay claim-free get the best insurance coverage rates as compared to drivers with a long claim history.

We need to note that many deductions do not apply the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, you won’t be that lucky.

A list of insurance coverage companies and a partial list of their discounts are outlined below.

  • 21st Century offers discounts for anti-lock brakes, air bags, driver training, student driver, and theft prevention.
  • Progressive offers discounts including multi-policy, online signing, continuous coverage, online quote discount, and homeowner.
  • State Farm offers premium reductions for safe vehicle, anti-theft, multiple policy, Drive Safe & Save, good student, and multiple autos.
  • Nationwide may include discounts for easy pay, anti-theft, defensive driving, business or organization, multi-policy, Farm Bureau membership, and good student.
  • Esurance discounts include homeowner, anti-theft, multi-policy, emergency road assistance, good student, multi-car, and safety device.
  • The Hartford includes discounts for driver training, defensive driver, bundle, air bag, anti-theft, and vehicle fuel type.

If you are trying to find inexpensive auto insurance quotes, ask each insurance company the best way to save money. Some of the discounts discussed earlier might not apply in your area.

Special considerations

When choosing the best insurance coverage coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions might point out if your situation will benefit from professional help.

  • Is my teen driver covered when they drive my company car?
  • What happens if I owe more than my 2018 Bentley Continental is worth?
  • Will filing a claim cost me more?
  • What if I don’t agree with a claim settlement offer?
  • Is business equipment covered while in my vehicle?
  • At what point should I drop full coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need motorclub coverage?
  • Does my medical payments coverage pay my health insurance deductible?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

How do insurers determine Bentley Continental insurance prices?

Multiple criteria are part of the equation when quoting car insurance. A few of the factors are predictable such as your driving record, although some other factors are not quite as obvious such as your marital status or your financial responsibility.

The list below includes a few of the things insurance companies consider when setting your rates.

  • Costs may be higher where you live – Being located in less populated areas of the country has definite advantages if you are looking for the lowest rates. Fewer drivers translates into fewer accident claims as well as less vandalism and auto theft. City drivers regularly have more auto accidents and higher rates of accident claims. Higher commute times can result in more accidents.
  • Vehicle features that cut insurance rates – Purchasing a vehicle that has a built-in theft deterrent system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop vehicle theft.
  • Bad credit will cost you – A driver’s credit rating can be a huge factor in determining what you pay for insurance. Drivers who have high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit scores. If your credit can use some improvement, you may save money insuring your 2018 Bentley Continental if you clean up your credit.
  • Stress out and pay more – Did you know that where you work can have an impact on rates? Occupations such as military personnelpolice officers and miners generally pay the highest rates due to high stress levels and extremely grueling work hours. Conversely, careers such as scientists, students and homemakers pay the least for Continental insurance.
  • Raising physical damage deductibles lowers costs – Coverage for physical damage, aka comp and collision, covers damage that occurs to your Bentley. A few examples of covered claims would be colliding with a building, hitting a deer, and windstorm damage. Your deductibles define how much you are required to spend if the claim is covered. The more damage repair cost you choose to pay out-of-pocket, the better rate you will receive for Continental insurance.
  • Less chance of injury means lower rates – Vehicles that have high safety ratings can get you lower premiums. Highly rated vehicles protect occupants better and fewer injuries translates directly to fewer claims which can result in lower premiums. If the Bentley Continental has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Youthful drivers cost more – Young drivers are proven to be inattentive and easily distracted when at the wheel of a vehicle so insurance rates are higher. Older people have been proven to be more responsible, are lower risk to insure , and usually have better credit.
  • High claims frequency drives up insurance rates – Car insurance companies give better rates to people who are not frequent claim filers. If you are a frequent claim filer, you can expect much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.

Do drivers who switch really save?

Well-known car insurance companies like State Farm, Allstate and Geico regularly use ads on TV and radio. They all seem to convey the message that drivers can save some big amount if you just switch your car insurance coverage to their company. How is it plausible that every one can charge you less for auto insurance? Here is the trick they use.

Different companies offer their best rates for the type of driver that earns them the highest profit. For instance, a profitable customer may be between 30 and 50, owns a home, and drives a vehicle with a low ISO rating. A driver who fits that profile receive the lowest rate quotes and is almost guaranteed to save quite a bit of money when switching.

People who cannot meet these criteria will have to pay more expensive rates and the driver buying from a lower-cost company. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” save that much when switching. That is how companies can make it sound like they have such great premium rates. This emphasizes why you should get as many free auto insurance quotes as possible. It’s not possible to predict which insurance companies will give you the biggest savings.

Insurance coverages 101

Having a good grasp of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, hail damage, a tree branch falling on your vehicle and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance

This coverage provides protection from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things like repair costs for stationary objects, funeral expenses, emergency aid, legal defense fees and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Bentley Continental.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses for X-ray expenses, rehabilitation expenses, ambulance fees, doctor visits and chiropractic care. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage pays for damage to your Continental resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, scraping a guard rail, backing into a parked car, crashing into a building and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Make a quick buck

Lower-priced 2018 Bentley Continental insurance is possible online as well as from independent agents, so you need to quote auto insurance with both in order to have the best chance of saving money. Some insurance coverage companies do not offer the ability to get quotes online and many times these small, regional companies prefer to sell through local independent agents.

You just read a lot of ways to save on 2018 Bentley Continental insurance. The key concept to understand is the more times you quote, the better your chances of lowering your car insurance rates. Consumers could even find that the best price on insurance coverage is with a small local company.

People who switch companies do it for a number of reasons such as delays in responding to claim requests, policy non-renewal, high prices and even high rates after DUI convictions. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.

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