2001 Bentley Continental Car Insurance Rates

Looking for lower insurance coverage rates for your Bentley Continental? Think you have overpriced insurance coverage? Believe me when I say many drivers have buyer’s remorse. Vehicle owners have so many auto insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, more options can take longer to find the best rates.

Buying car insurance is not that difficult. If you currently have car insurance, you should be able to reduce your rates substantially using these tips. Drivers just need to know the most efficient way to shop for auto insurance online.

Get affordable rates by applying discounts

Insurance coverage is easily one of your largest bills, but companies offer discounts that could drop your premiums quite a bit. Most are applied when you quote, but a few must be asked for prior to getting the savings.

• Policy Bundle Discount – If you can bundle your home and auto insurance and insure them with the same company you will save up to 20% off your total premium.
• No Claims – Insureds with no claims or accidents can save substantially when compared to bad drivers.
• Safety Course Discount – Taking time to complete a defensive driver course can save you 5% or more if your company offers it.
• Theft Deterent – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen so companies will give you a small discount.
• Memberships – Participating in a civic or occupational organization could qualify you for a break on your policy.
• Own a Home – Owning a house can help you save on insurance coverage because of the fact that having a home means you have a higher level of financial diligence.
• Drive Safe and Save – Insureds without accidents can pay as much as 50% less on Continental insurance as compared to drivers with claims.
• Pay Now and Pay Less – By making one initial payment rather than spreading payments over time you can avoid the installment charge.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.

Just know that most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though you would think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Some of the insurance companies that have these benefits possibly include:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

When comparing rates, check with every insurance company which discounts you qualify for. All car insurance discounts might not apply everywhere. To choose providers offering insurance coverage discounts, click this link.

The Bentley Continental insurance rate equation

Consumers need to have an understanding of the different types of things that aid in calculating insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you lower insurance prices. Lots of things are part of the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving history, although some other factors are more transparent such as your marital status or your financial responsibility.

Shown below are a few of the things insurance companies consider when setting your rates.

• Cheaper premiums with safer cars – Cars with high safety ratings tend to be cheaper to insure. Highly rated vehicles reduce occupant injuries and fewer serious injuries means lower claim amounts passed on to you as lower rates.
• Consolidating policies can get discounts – Lots of insurance companies allow discounts for people who consolidate policies with them such as combining an auto and homeowners policy. The amount of the discounts can be as much as ten percent or more Even if you already get this discount, it’s in your best interest to shop around to ensure the best deal. Drivers may still find better rates by insuring with multiple companies.
• You might pay more if you are single – Your spouse may save some money on insurance. Having a spouse means you’re more mature than a single person and statistics show married drivers tend to file fewer claims.
• Add-on coverages you don’t need – There are a lot of extra bells and whistles you can purchase on your Continental policy. Things like replacement cost coverage, accidental death, and term life insurance may be costing you every month. The coverages may be enticing when deciding what coverages you need, but your needs may have changed so consider taking them off your policy.
• High credit saves on insurance – Having a bad credit rating factor in your rate calculation. If your credit history is not that good, you could save money insuring your 2001 Bentley Continental if you clean up your credit. Drivers who have high credit ratings tend to be less risk to insure as compared to drivers with bad credit.

Your auto insurance coverage should be tailored to you

When choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can help discover if you might need professional guidance.

• Am I covered by my spouse’s policy after a separation?
• What are the best liability limits?
• How much liability coverage do I need in my state?
• Am I covered if I wreck a rental car?
• Is my teenager covered with friends in the car?
• Do I benefit by insuring my home with the same company?
• How can I find cheaper teen driver insurance?
• What is high-risk coverage and where do I buy it?
• What if I don’t agree with a claim settlement offer?
• Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages and their meanings

Having a good grasp of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on most auto insurance policies.

Collision protection

This coverage covers damage to your Continental caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability coverage

Liability coverage will cover damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like funeral expenses, bail bonds and pain and suffering. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2001 Bentley Continental.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like funeral costs, dental work and rehabilitation expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, fire damage and damage from flooding. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Stretch your dollar

We’ve covered quite a bit of information on how to lower your 2001 Bentley Continental insurance rates. The key concept to understand is the more rate comparisons you have, the higher your chance of finding affordable insurance. You may even discover the best rates are with a lesser-known regional company. These companies may cover specific market segments cheaper than their larger competitors like Allstate, Geico and Progressive.

Lower-priced 2001 Bentley Continental insurance can be found online and from local insurance agents, so you need to quote insurance with both in order to have the best chance of saving money. Some insurance providers don’t offer price quotes online and most of the time these regional insurance providers prefer to sell through independent agents.

Additional learning opportunities

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Booster Seat Ratings (iihs.org)