View 2003 Bentley Continental Insurance Cost

Want the cheapest auto insurance rates for your Bentley Continental? Tired of sacrificing other expenses each month for auto insurance? You’re in the same situation as many other drivers. People have many insurance companies to choose from, and though it is a good thing to have a selection, more choices can make it harder to find the best rates for your vehicles.

It’s important to take a look at other company’s rates every six months because prices change quite often. Even if you got the best deal on Continental coverage last year you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to show you the best methods to save money, get proper coverage and the best rates.

Cut your auto insurance rates with discounts

Some companies do not advertise all their discounts in an easy-to-find place, so the following list contains both well-publicized and also the more inconspicuous credits available to you. If you do not check that you are getting every discount available, you’re paying more than you need to.

• Anti-theft System – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen so companies will give you a small discount.
• Clubs and Organizations – Being a member of qualifying employment or professional organizations is a simple method to lower premiums on your bill.
• Bundled Policy Discount – If you can combine your homeowners and auto policy and insure them with the same company you could get a discount of nearly 15% which can help you find affordable auto insurance.
• Good Grades Discount – Maintaining excellent grades may save you up to 25%. Many companies even apply the discount to college students up to age 25.
• Active Military Service – Having a family member in the military could be rewarded with lower rates.
• College Student Discount – Any of your kids who live away from home at college and do not have access to a covered vehicle can be insured at a reduced rate.
• Auto/Life Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies who may offer most of the discounts above possibly include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

Before purchasing a policy, check with all the companies to apply every possible discount. Savings might not apply in your area. To view auto insurance companies that offer the discounts shown above, click here to view.

How do insurers determine Bentley Continental insurance premiums?

Many things are considered when you get your auto insurance bill. Some factors are common sense like an MVR report, but other criteria are less obvious like your continuous coverage or how safe your car is.Consumers need to have an understanding of the factors that help determine the level of your policy premiums. If you understand what determines base rates, this enables you to make decisions that can earn you better car insurance rates.

• Save money with theft deterrents – Buying a car with a theft deterrent system can earn a premium discount. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms can help prevent your car from being stolen.
• High comp and collision deductibles save money – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Bentley from damage. Some examples of covered claims would be a broken side mirror, damage caused by hail, and damage caused by flying debris. Physical damage deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. The more of the claim you’re willing to pay, the less money you will pay for car insurance on Continental coverage.
• Too many car insurance claims will drive premiums up – If you file a lot of claims you should expect either higher rates or even cancellation. Car insurance companies generally give better rates to people that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of more catestrophic claims.
• Safeguard your assets with liability coverage – Your policy’s liability coverage will afford coverage in the event that you are found liable for an accident. This coverage provides for a legal defense which can cost a lot. This coverage is relatively inexpensive compared to comp and collision, so buy as much as you can afford.

You are unique and your auto insurance should be too

When buying the best auto insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that could help you determine whether you might need professional guidance.

• Will I be non-renewed for getting a DUI or other conviction?
• What can I do if my company denied a claim?
• Do I need medical payments coverage since I have good health insurance?
• Does my insurance cover a custom paint job?
• Where can I find DUI or SR-22 insurance?
• Am I covered when pulling a rental trailer?
• Does my policy cover my teen driver if they drive my company car?
• Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage breakdown

Understanding the coverages of car insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages available from car insurance companies.

Comprehensive insurance – This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a deer. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as dental work, EMT expenses and hospital visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance will pay to fix damage to your Continental caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability car insurance – This protects you from damage or injury you incur to a person or their property. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

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 limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like court costs, funeral expenses, medical expenses, bail bonds and attorney fees. How much coverage you buy is a personal decision, but buy higher limits if possible.

More comparisons equals lower rates

Budget-conscious 2003 Bentley Continental insurance can be purchased both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not have rate quotes online and most of the time these regional insurance providers provide coverage only through independent agencies.

When shopping online for car insurance, it’s not a good idea to buy less coverage just to save a little money. Too many times, an insured cut liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

We’ve covered a lot of ways to lower your 2003 Bentley Continental insurance rates. The key thing to remember is the more rate quotes you have, the better your chances of lowering your auto insurance rates. Consumers may even find the best rates are with a small mutual company. They often have lower auto insurance rates on specific markets than the large multi-state companies such as Allstate or State Farm.

Other information

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Rental Reimbursement Coverage (Allstate)
• Auto Insurance FAQ (Farmers Insurance)
• Preventing Carjacking and Theft (Insurance Information Insitute)