2002 Bentley Continental Car Insurance Quotes

Searching for lower auto insurance rates for your Bentley Continental? Baffled by the wide range of auto insurance companies? vehicle owners have so many companies to choose from that it can really be a real difficult job to find a more affordable company.

You need to do rate comparisons yearly due to the fact that insurance prices trend upward over time. Even if you got the lowest rates on Continental insurance last year you can probably find a better premium rate now. Ignore everything you know about auto insurance because I’m going to teach you how to use online quotes to reduce your cost while increasing coverage.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you should be able to lower your premiums substantially using this strategy. But consumers must comprehend how the larger insurance companies price insurance differently and apply this information to your search.

Why your insurance premiums might be higher

A large part of saving on insurance is knowing a few of the rating criteria that come into play when calculating your premiums. If you have some idea of what controls the rates you pay, this enables you to make decisions that may reward you with cheaper rates. Lots of factors are taken into consideration when you get a price on insurance. Some are pretty understandable such as traffic violations, but some are not quite as obvious such as your credit history and annual miles driven.

The list below includes just a few of the factors used by companies to determine rates.

  • Minor frequent insurance claims are not good – Companies give the lowest premiums to drivers who only file infrequent claims. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • How old are your drivers? – Teen drivers have a tendency to be less responsible with other occupants in the car so they pay higher insurance rates. Older drivers are shown to be more cautious, are lower risk to insure and tend to be get fewer driving tickets.
  • How many miles do you drive? – Driving a lot of miles every year the higher your rates will be. A lot of companies price each vehicle’s coverage based upon how much you drive. Cars that are left in the garage receive better premium rates than vehicles that have high annual mileage. Verify your declarations sheet shows the correct driver usage. Incorrect rating for your Continental can result in significantly higher rates.
  • Always keep your insurance in place – Driving without insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. In addition to paying higher rates, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

You may qualify for discounts

Insurance is not cheap nor is it fun to buy but there may be some discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but some must be specifically requested prior to getting the savings. If you do not double check each discount available, you are not getting the best rate possible.

  • E-sign – Some of the larger companies will discount your bill up to fifty bucks get insurance online.
  • Student Discounts – This discount may save as much as 25% on a insurance quote. The good student discount can last until age 25.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more off the personal injury premium cost.
  • Payment Discounts – If you pay your bill all at once as opposed to paying monthly you could save 5% or more.
  • Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies may permit one accident before raising your premiums so long as you are claim-free for a particular time prior to the accident.
  • Discount for Multiple Policies – When you combine your home and auto insurance and insure them both with the same insurance company they may give you a discount of as much as 10 to 15 percent.
  • New Vehicle Savings – Insuring a new car is cheaper due to better safety requirements for newer models.
  • No Accidents – Drivers with accident-free driving histories get the best insurance rates as compared to drivers who are more careless.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But all discounts will bring down the cost of coverage.

If you would like to see a list of insurers that provide some of the discounts listed above, click this link.

There’s no such thing as the perfect insurance coverage policy

When it comes to choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • What is the ISO rating for a 2002 Bentley Continental?
  • Is my 2002 Bentley Continental covered for flood damage?
  • Should I sign the liability waiver when renting a car?
  • When would I need additional glass coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • How do I file an SR-22 for a DUI in my state?
  • How can I force my company to pay a claim?
  • What is UM/UIM insurance?
  • Can I afford low physical damage deductibles?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.

Specific coverage details

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto collision coverage

This coverage covers damage to your Continental resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, damaging your car on a curb, driving through your garage door, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.


This coverage can cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as emergency aid, legal defense fees, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for ambulance fees, dental work, funeral costs and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Quote more. Save more.

We just covered many tips how you can compare 2002 Bentley Continental insurance rates online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from a small local company.

Cost effective 2002 Bentley Continental insurance is attainable both online and from local insurance agents, and you should compare rates from both to have the best selection. There are still a few companies who do not provide the ability to get quotes online and these smaller companies sell through independent agents.

When you buy insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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Comments About 2002 Bentley Continental Insurance

  1. Gregoria Alvarado

    Any GEICO or Esurance customers near Bangor, ME?

  2. Malissa Deleon

    In Tampa, FL, AAA had the best rates for my 2002 Bentley Continental. Might find lower rates online. I don’t insure for physical damage though.

  3. Giovanni Zamora

    Cheap is not always the best policy. Proud to be from Phoenix, Arizona. Quoted with GEICO, Farmers, and Liberty Mutual for my Bentley and I think I am saving around $20 each month. Next renewal I’ll just do liability.

  4. Erma Harrington

    I live in Nampa, ID. I quoted with State Farm, AIG Insurance, Erie, and GMAC for my 2002 Bentley Continental and am saving around $90 a year. Even increased my liability limits. It’s easy to compare rates online now.

  5. Darlene Marsh

    2002 Bentley Continental + State Farm = GOOD RATES!

  6. Chad Franklin

    If you have a clean record and are close to Springfield, MA, check out Progressive. You might get cheaper rates. Not sure if rates are cheaper online or through an agent.

  7. Judy Barron

    Cheap car insurance? What’s that? Live in San Jose, CA. I got free prices from Progressive, GMAC, and Encompass for my Continental and saved around $70 a year. Just liability coverage since it’s getting old.

  8. Felton Hopper

    Got pretty cheap 2002 Bentley Continental insurance from Progressive in Overland Park, KS.

  9. Ettie Chang

    I compared a lot of rate quotes for a 2002 Bentley Continental in Portland, ME. Ended up at right around $70 every six months with Auto-Owners. My new agent seems to be really good. :)

  10. Charles Velez

    I live just outside Los Angeles, CA. Got car insurance quotes with Sentry, Farmers, Progressive, and American Family for my Continental and saved $112 a year. Thankfully I have a good driving record. Bought it from an online quote. It’s only liability tho.