2006 Bentley Continental Flying Spur Car Insurance Quotes

Trying to find lower insurance rates for your Bentley Continental Flying Spur? Are you kicking yourself for buying an expensive insurance policy? Believe me, many consumers are in the same pinch.

Numerous insurance companies battle for your business, and because of this it can be hard to compare insurance companies to discover the definitive cheapest price

Drivers can save with these premium-slashing discounts

Auto insurance companies do not list all available discounts very clearly, so the following list contains both well-publicized and the more hidden ways to save on insurance.

• Multi-Vehicle Discounts – Buying a policy with primary and secondary vehicles on the same insurance policy can reduce rates for all insured vehicles.
• Military Discounts – Being deployed with a military unit could trigger a small discount.
• Bundle and Save – When you combine your homeowners and auto insurance and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.
• Include Life Insurance and Save – If the company offers life insurance, you could get a lower premium rate if you buy life insurance from them.
• Passive Restraint Discount – Options like air bags or motorized seat belts could see savings of 20 to 30 percent.
• Defensive Driver Discount – Passing a class that teaches driver safety techniques could possibly earn you a 5% discount and also improve your driving technique.
• Student Discounts – Being a good student may save as much as 25% on a auto insurance quote. The discount lasts well after school through age 25.
• Anti-lock Brakes – Cars and trucks with anti-lock braking systems are safer to drive so companies give up to a 10% discount.
• Homeowners Pay Less – Being a homeowner can get you a discount because owning a home means you have a higher level of financial diligence.

One last thing about discounts, many deductions do not apply the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will definitely reduce your overall premium however.

Car insurance companies that possibly offer some of the discounts shown above include:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

When getting a coverage quote, ask each insurance company which credits you are entitled to. Some credits may not be offered in your state.

Do I need special coverages?

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

• How much liability insurance is required?
• Is my ex-spouse still covered by my policy?
• Should I buy additional glass protection?
• Is a fancy paint job covered?
• Does coverage extend to Mexico or Canada?
• Where can I find high-risk insurance?
• Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Don’t believe everything you hear

Companies like Progressive, Allstate and Geico endlessly run ads on TV and radio. They all state the claim that drivers will save a bundle if you switch your coverage. It sounds good, but how can they all offer drivers better rates? It’s all in the wording.

Insurance providers quote their cheapest rates for the type of driver that will not have excessive claims. For instance, a preferred risk might have to be between the ages of 30 and 50, carries high limits, and drives a safe vehicle. Anyone who meets those qualifications will get a cheap rate quote and will save some money.

Insureds who don’t qualify for these standards will see more expensive rates and ends up with the customer buying from someone else. The ads say “customers who switch” not “everyone who quotes” save that much. That’s the way insurance companies can make it sound like they have such great rates.

Because every company is different, you really should compare quotes as often as possible. It is just not possible to predict which company will fit your personal profile best.

Insurance policy coverages for a Bentley Continental Flying Spur

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses for things like hospital visits, rehabilitation expenses, EMT expenses, prosthetic devices and dental work. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, hail damage, falling objects, rock chips in glass and hitting a deer. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Bentley Continental Flying Spur.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Liability

This will cover damage that occurs to a person or their property. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as legal defense fees, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, backing into a parked car, crashing into a building, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

One last thing

Cheap 2006 Bentley Continental Flying Spur insurance can be sourced on the web as well as from insurance agents, so get free auto insurance quotes from both of them to have the best chance of lowering rates. A few companies may not have the ability to get quotes online and these smaller companies work with local independent agencies.

You just learned a lot of information how to shop for 2006 Bentley Continental Flying Spur insurance online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest car insurance rates come from the smaller companies. These companies often have lower premium rates on specific markets than the large multi-state companies such as Allstate or State Farm.

When shopping online for auto insurance, don’t be tempted to reduce needed coverages to save money. There are too many instances where drivers have reduced liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at the best cost while not skimping on critical coverages.

Additional detailed information can be found in these articles:

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• How to Avoid Staged Accidents (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)