Cheaper 2009 Bentley Continental Flying Spur Insurance Cost

Trying to find cheaper insurance coverage rates for your Bentley Continental Flying Spur? Searching for cheaper insurance for a Bentley Continental Flying Spur could be difficult, but you can use the following methods to find lower rates. There is a better way to compare insurance coverage rates so we’re going to tell you the best way to quote coverages on a Bentley and obtain the best price possible from local insurance agents and online providers.

Buying car insurance is not rocket science. If you have insurance now or need a new policy, you can use this information to get lower rates while maximizing coverage. Consumers only need an understanding of the best way to shop their coverage around online.

How to get the cheapest insurance coverage

Effectively comparing insurance coverage prices can be a daunting task if you aren’t aware of the most efficient way. You could waste time discussing policy coverages with insurance agencies in your area, or you could use the internet to get prices fast.

Many of the larger companies enroll in a system where prospective buyers submit their information once, and every company can give them a price determined by their information. This saves time by eliminating quotation requests to each individual insurance coverage company.

To submit your quote information now, click here (opens in new window).

One minor caviat to getting quotes like this is buyers cannot specifically choose which providers to get pricing from. So if you want to choose from a list of companies to compare rates, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you are using equivalent quote information for each comparison quote. If each company quotes different coverage information you will not be able to determine which company has the best rates.

Drivers who switch save $430 a year? Really?

Consumers can’t get away from all the ads that claim the cheapest prices from companies such as Allstate and Progressive. All the ads advertise the message about saving some big amount if you just switch your policy.

How can each company save you money?

Different companies can use profiling for a prospective insured that will be a good risk. For example, this type of risk profile should be a married male, has a clean driving record, and drives less than 10,000 miles a year. Someone that matches those criteria will probably get cheap prices and will probably save a lot if they switch.

Potential customers who do not meet these stringent criteria will have to pay a more expensive rate with the end result being the customer buying from someone else. If you listen closely, the ads state “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s the way companies can truthfully make claims that they all have the best prices. Each company has different criteria, so drivers should get as many free insurance quotes as possible. Because without a comparison, you cannot know the company that will have the best premium rates at this point in time.

Discounts for lower-cost insurance coverage rates

Some providers don’t list the complete list of policy discounts in an easy-to-find place, so the list below details a few of the more common and the more hidden credits that you can use to lower your rates. If you are not receiving all the discounts you qualify for, you could be saving more on your insurance coverage.

• Good Student – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
• Accident Forgiveness Coverage – but certain companies will turn a blind eye to one accident without raising rates with the catch being you have to be claim-free prior to being involved in the accident.
• Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and will qualify for a discount on a insurance quote.
• Student Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in school.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could save 15% on medical payment and PIP coverage.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
• Low Mileage Discounts – Low mileage vehicles could qualify for lower premium rates due to less chance of an accident.
• Sign Early and Save – Some insurance companies provide a discount for switching policies before your current expiration date. This can save 10% or more.
• Paper-free Discount – Some larger companies will give you a small discount for signing up on your computer.

We need to note that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A list of insurance coverage companies and a selection of discounts can be read below.

• Geico may have discounts that include emergency military deployment, multi-vehicle, defensive driver, good student, membership and employees, federal employee, and multi-policy.
• Travelers has discounts for hybrid/electric vehicle, early quote, save driver, payment discounts, and IntelliDrive.
• Nationwide has savings for anti-theft, family plan, easy pay, defensive driving, and accident-free.
• Farmers Insurance may offer discounts for alternative fuel, early shopping, distant student, electronic funds transfer, homeowner, and switch companies.
• Esurance policyholders can earn discounts including DriveSense, safety device, online shopper, anti-theft, online quote, and good driver.
• State Farm offers discounts for driver’s education, safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, multiple autos, and good driver.
• Progressive discounts include homeowner, online signing, good student, continuous coverage, online quote discount, and multi-vehicle.
• Mercury Insurance offers discounts including ease of repair, good student, type of vehicle, multi-car, anti-theft, annual mileage, and age of vehicle.

When comparing rates, check with each company or agent which credits you are entitled to. Some of the discounts discussed earlier may not apply to policies in your area. To choose insurance coverage companies who offer free insurance coverage quotes, click here.

You may need specialized car insurance coverage

When it comes to choosing coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions might point out if your insurance needs will benefit from professional help.

• Which companies will insure high-risk drivers?
• Does having multiple vehicles earn me a discount?
• How do I insure my teen driver?
• Is there coverage for injuries to my pets?
• What if I owe more than I can insure my car for?
• Am I covered if I wreck a rental car?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Insurance coverage specifics

Understanding the coverages of your policy helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision coverage protection

Collision insurance will pay to fix damage to your Continental Flying Spur resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, hitting a mailbox, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for hospital visits, pain medications, X-ray expenses and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

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 and damage to your Bentley Continental Flying Spur.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to other people or property. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims like medical services, structural damage, medical expenses and emergency aid. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, a tree branch falling on your vehicle, hitting a bird and hail damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

The bottom line

Cheap 2009 Bentley Continental Flying Spur insurance can be found online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some companies do not provide rates over the internet and these small, regional companies work with independent insurance agents.

People leave their current company for many reasons like extreme rates for teen drivers, not issuing a premium refund, policy non-renewal or being labeled a high risk driver. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

You just learned a lot of information how to save on 2009 Bentley Continental Flying Spur insurance. The key concept to understand is the more providers you compare, the better chance you’ll have of finding cheap insurance. Drivers may discover the biggest savings come from the smaller companies.

For more information, feel free to visit the following helpful articles:

• Frontal Crash Tests (iihs.org)
• Understanding Car Crashes Video (iihs.org)
• Booster Seat Ratings (iihs.org)
• What is Full Coverage? (Allstate)
• Teen Driving Statistics (iihs.org)
• Parking Tips to Reduce Door Dings (State Farm)