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.
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.
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:
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.
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.
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.
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.
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.
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.