2010 Bentley Continental Flying Spur Insurance Cost – 5 Ways to Save

Searching for better insurance coverage rates for your Bentley Continental Flying Spur? Expensive Bentley Continental Flying Spur insurance can drain your funds and force you to make tough financial choices. Comparison shopping can lower your rates and help to make sure you’re not throwing money away.

Insurance companies such as Geico, 21st Century and Progressive continually hit you with catchy ads and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.

How to get car insurance price quotes

There are several ways to compare car insurance quotes, but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can utilize the internet to get prices fast.

Most major companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and every company can give them a price for coverage. This eliminates the need for quote forms to each individual car insurance company.

To compare rates now click here to start a free quote.

The one disadvantage to using this type of system is that consumers can’t choose the providers you will receive quotes from. If you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but ensure you’re using exactly the same coverage data for each quote you get. If you use different data then you won’t be able to determine the lowest rate for your Bentley Continental Flying Spur.

Insurance Coverage Discounts

Companies offering auto insurance don’t list every discount they offer very well, so the below list has both well-publicized and also the lesser-known discounts that you may qualify for.

• Multiple Policy Discount – If you can bundle your auto and homeowners insurance with the same company you may save approximately 10% to 15%.
• New Car Discount – Insuring a vehicle that is new is cheaper compared to insuring an older model.
• Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
• Claim-Free Discount – Drivers who don’t have accidents get the best insurance coverage rates when compared with bad drivers.
• Homeowners Pay Less – Owning your own home or condo can earn you a little savings because of the fact that having a home is proof of financial responsibility.

Please keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, nobody gets a free ride. But any discount will help lower your premiums.

A few of the larger companies and a summarized list of policyholder discounts include:

• American Family offers discounts including early bird, defensive driver, air bags, accident-free, bundled insurance, TimeAway discount, and mySafetyValet.
• State Farm has discounts for good driver, multiple policy, driver’s education, Drive Safe & Save, Steer Clear safe driver discount, passive restraint, and good student.
• 21st Century policyholders can earn discounts including 55 and older, homeowners, air bags, defensive driver, and student driver.
• Travelers offers discounts for IntelliDrive, home ownership, good student, early quote, and save driver.
• Geico offers premium reductions for five-year accident-free, multi-vehicle, seat belt use, driver training, air bags, anti-theft, and daytime running lights.

When getting free auto insurance quotes, it’s a good idea to every company which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in every state. For a list of insurance coverage companies that offer many of these discounts, click here.

Tailor your auto insurance coverage to you

When buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can aid in determining if your situation would benefit from professional advice.

• What is UM/UIM insurance?
• What is the ISO rating for a 2010 Bentley Continental Flying Spur?
• Is borrowed equipment or tools covered if stolen or damaged?
• What if I don’t agree with a claim settlement offer?
• What companies insure drivers after a DUI or DWI?
• Why am I be forced to buy a membership to get insurance from some companies?
• Am I covered when delivering products for my home-based business?
• Can my teen drive my company car?
• How high should my medical payments coverage be?
• Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Buyer beware of insurance coverage advertising tricks

Drivers can’t get away from ads for the lowest price insurance coverage by companies like Progressive, Geico, Allstate and State Farm. All the companies make the same claim about how much you will save if you just switch to their company.

Is it even possible that every company can make almost identical claims? You have to listen carefully.

Most companies offer their best rates for the type of customer that will generate a profit. An example of a desirable risk might be a female over age 40, has never had a claim, and drives a safe vehicle. Anyone that meets those criteria will most likely get cheap car insurance rates and will most likely pay quite a bit less when switching companies.

Insureds who do not match this ideal profile must pay a more expensive rate and the customer buying from a different company. The ads state “people who switch” not “everybody who quotes” save money. This is how insurance companies can make it sound like they have such great rates.

Because of this risk profiling, drivers must do a rate comparison at every renewal. It’s impossible to know which insurance coverage company will have the best prices.

Car insurance 101

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average car insurance policy.

Uninsured or underinsured coverage – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. 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, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

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

Comprehensive coverage pays for claims such as theft, hitting a deer, fire damage and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, colliding with a tree and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical expense coverage – Med pay and PIP coverage reimburse you for expenses like hospital visits, funeral costs and surgery. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability – Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as funeral expenses, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Summing up your auto insurance search

When you buy auto insurance online, make sure you don’t reduce coverage to reduce premium. There have been many cases where an insured cut full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The goal is to buy enough coverage at an affordable rate, but do not skimp to save money.

We covered quite a bit of information on how to lower your 2010 Bentley Continental Flying Spur insurance rates. The key concept to understand is the more you quote auto insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from the least-expected company. These companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Progressive and Geico.

Other learning opportunities

• Rental Car Insurance Tips (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Five Mistakes to Avoid (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)