Cheap 2012 Bentley Continental Flying Spur Insurance Cost

Looking for better auto insurance rates for your Bentley Continental Flying Spur? Pricey Bentley Continental Flying Spur insurance can dry up your checking account and force you to tighten up your finances. Getting a rate comparison is an excellent way to make ends meet.

Companies like Progressive, Geico and Farmers Insurance continually hit you with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

Consumers should take time to take a look at other company’s rates once or twice a year because auto insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rate on Continental Flying Spur coverage at your last renewal there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest and easiest way to reduce your cost while increasing coverage.

If you have a current auto insurance policy or are just looking to switch companies, you can learn to get lower rates while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the most effective way to shop online.

Smart consumers can cut insurance costs

One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that go into determining your premiums. When you understand what determines premiums, this helps enable you to make changes that will entitle you to lower car insurance prices.

The list below includes some of the factors used by companies to determine your rates.

• Insurance costs and driver gender – Statistics show that men are more aggressive behind the wheel. It does not mean men are WORSE drivers than women. Both genders get in auto accidents at about the same rate, but the males tend to have higher claims. Men also tend to get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Safer occupants lowers rates – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries translates directly to fewer claims and thus lower rates.
• High physical damage deductibles cost less – Coverage for physical damage, also called ‘full coverage’, helps pay for damage to your vehicle. Examples of covered claims are colliding with a building, vandalism, or theft. Deductibles for physical damage are the amount of money the insured will be required to pay before a claim is paid by your company. The more of the claim the insured has to pay upfront, the lower your rates will be on Continental Flying Spur coverage.
• Marriage is a good thing – Getting married can get you a discount on car insurance. Having a spouse generally demonstrates drivers are more mature than a single person and insurance companies like that drivers who are married are more cautious.
• Does your vocation cost you more? – Did you know your occupation can influence how much you pay for car insurance? Careers such as fire fighterspolice officers and financial analysts tend to have higher premiums than the average policyholder in part from job stress and lots of time spent away from family. On the other hand, jobs like actors, historians and retirees pay the least on Continental Flying Spur coverage.

How to find affordable insurance

Finding cheaper 2012 Bentley Continental Flying Spur insurance prices doesn’t have to be difficult. Consumers just need to take a couple of minutes comparing price quotes to find. Insurance prices can be quoted in a couple of different ways.

The most efficient method to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This style of form saves time by eliminating boring form submissions for every prospective company. One simple form gets insurance cost estimates from many national carriers.

A different way to find more affordable insurance is spending the time to visit each company’s website and repeat the quote process. For example, we’ll assume you want to view quotes from Auto-Owners, Farmers and Allstate. To find out each rate you need to navigate to each company’s site and enter your policy data, which can get rather old. For a list of links to companies insuring cars in your area, click here.

Even if you have time, the least recommended method to quote and compare insurance rates is driving to all the different insurance agencies. Comparing online rate quotes reduces the need to sit down with an agent unless your situation requires the personal advice of an agent trained in personal lines coverage. However, consumers can find lower rates online but have a local agent actually write the policy.

You can use whichever method you prefer to find lower rates, just do your best to use identical coverage limits and deductibles for each comparison quote. If you enter higher or lower deductibles it will be next to impossible to make a fair comparison for your Bentley Continental Flying Spur.

Verify you’re applying every discount

Companies that sell car insurance don’t list all their discounts very clearly, so the list below contains both well-publicized as well as some of the hidden ways to save on insurance.

• Multi-line Discount – Some insurance carriers give a lower insurance rate if you buy life insurance.
• Sign Online – Many insurance companies give back up to $50 simply for signing over the internet.
• Drivers Education – Have your child participate in a local driver’s education class if it’s offered in school.
• Anti-lock Brakes – Cars and trucks with ABS and/or traction control are safer to drive so you can save 10 percent or more.
• Policy Bundle Discount – If you can combine your auto and homeowners policy and insure them with the same company you may save up to 20% off your total premium.
• Defensive Driver Discount – Completing a defensive driving course is a good idea and can lower rates depending on where you live.
• Pay Early and Save – By paying your policy upfront as opposed to paying monthly you can actually save on your bill.
• Military Discounts – Having an actively deployed family member may qualify for rate reductions.
• New Car Discount – Insuring a new car may earn a small discount due to better safety requirements for new vehicles.

While discounts sound great, it’s important to understand that most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, it’s just not the way it works.

A few companies that have these benefits may include but are not limited to:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

If you need lower rates, check with every company what discounts are available to you. All car insurance discounts may not be available everywhere.

When should I discuss my situation with an agent?

When it comes to choosing coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• How high should my uninsured/underinsured coverage be in my state?
• Am I covered when driving in Canada or Mexico?
• Should I rate my 2012 Bentley Continental Flying Spur as pleasure use or commute?
• Does my medical payments coverage pay my health insurance deductible?
• Does my policy cover me when driving someone else’s vehicle?
• Should I get collision insurance on every vehicle?
• Is other people’s property covered if stolen from my vehicle?
• When should I drop full coverage on my 2012 Bentley Continental Flying Spur?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

The coverage is in the details

Learning about specific coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses for things like nursing services, doctor visits, dental work and hospital visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while 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 insurance

This coverage can cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover 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. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by 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 insurance covers claims like sideswiping another vehicle, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, rock chips in glass and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Bentley Continental Flying Spur.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

Pennies from heaven

A few companies do not offer internet price quotes and many times these regional insurance providers sell through independent agencies. Lower-priced insurance coverage can be bought on the web and also from your neighborhood agents, and you should be comparing both to get a complete price analysis.

We covered many ways to shop for 2012 Bentley Continental Flying Spur insurance online. The key concept to understand is the more you quote car insurance, the better your chances of lowering your rates. Consumers may even find the lowest prices are with the smaller companies. Smaller companies often have lower rates on specific markets than the large multi-state companies such as Geico and State Farm.

When you buy car insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice physical damage coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.

Even more information can be found at these sites:

• Keeping Children Safe in Crashes Video (iihs.org)
• Understanding your Policy (NAIC.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Senior Drivers (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)