Lower Your 2012 Bentley Continental Supersports Convertible Insurance Rates

Searching for cheaper insurance for a Bentley Continental Supersports Convertible can turn out to be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to buy car insurance so we’re going to tell you the quickest way to quote coverages on a Bentley and get the best price possible either online or from local insurance agents.

Buying car insurance is not rocket science. If you have insurance now or are looking for a new policy, you can follow these tips to find better prices while maximizing coverage. Vehicle owners just need to understand how to get comparison rates on the web.

How to find low cost insurance coverage

All major insurance coverage companies make it easy to get prices for coverage directly from their websites. Comparing rates online is pretty easy as all you need to do is type in the coverages you want on the page. Once you submit the form, their quoting system gets information on your driving record and credit history and returns pricing information based on many factors.

Online quotes makes it easy to compare insurance prices but the work required to visit many different websites and complete many quote forms is not the best way to spend an afternoon. But it’s necessary to have as many quotes as possible if you want to get the lowest possible prices on insurance coverage.

Isn’t there an easier way to compare rates?

The quickest way to compare insurance coverage pricing requires only one form to obtain quotes from a lot of companies. The form is fast, reduces the work, and makes online quotes a little more enjoyable. After your information is entered, it is rated with multiple companies and you can pick any one of the quotes that you receive. If a lower price is quoted, you simply finish the application and purchase the new policy. This process only takes a few minutes and you will know how your current rates stack up.

To quickly use this form to compare rates, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you input the insurance coverages just like they are on your policy. Doing this guarantees you’re receiving a fair comparison using the exact same coverages.

Don’t overlook these insurance discounts

Car insurance companies don’t always list every disount available in a way that’s easy to find, so below is a list some of the more common and also the lesser-known discounts that you may qualify for.

• Paper-free Discount – Certain insurance companies will give a small break shop auto insurance on your computer.
• Student Discounts – Performing well in school can earn a discount of 20% or more. The good student discount can last up to age 25.
• Anti-theft Discount – Cars and trucks with anti-theft systems help deter theft and therefore earn up to a 10% discount.
• Military Rewards – Being on active duty in the military may qualify for rate reductions.
• Renewal Discounts – Select insurance companies give a discount for switching companies before your current expiration date. This can save 10% or more.
• Distant Student – Youth drivers who attend college more than 100 miles from home and do not take a car to college may be insured at a cheaper rate.
• Senior Citizen Rates – Seniors can possibly qualify for a slight reduction on a auto insurance quote for Continental Supersports Convertible coverage.

As is typical with insurance, some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

A list of insurance companies and their possible discounts include:

• Progressive offers discounts for multi-vehicle, good student, continuous coverage, homeowner, online signing, and online quote discount.
• SAFECO may offer discounts for anti-lock brakes, safe driver, bundle discounts, teen safe driver, multi-car, and teen safety rewards.
• American Family may have discounts that include good student, mySafetyValet, air bags, TimeAway discount, good driver, accident-free, and multi-vehicle.
• MetLife has savings for good driver, defensive driver, claim-free, good student, multi-policy, and accident-free.
• Geico may include discounts for seat belt use, daytime running lights, multi-policy, emergency military deployment, defensive driver, military active duty, and anti-theft.
• The Hartford discounts include air bag, good student, driver training, vehicle fuel type, bundle, defensive driver, and anti-theft.

When getting free auto insurance quotes, it’s a good idea to every prospective company which discounts can lower your rates. A few discounts might not apply in your area. If you would like to choose from a list of insurers who offer online insurance quotes, follow this link.

Good decisions result in lower insurance prices

Lots of factors are taken into consideration when quoting car insurance. Most are fairly basic such as traffic violations, although some other factors are not as apparent such as your marital status or how safe your car is.

• Your age impacts your rates – Young drivers are statistically shown to be careless and easily distracted when driving so insurance coverage rates are higher. Older insureds are more responsible, cost insurance companies less in claims and get fewer tickets.
• Traffic violations can increase prices – Drivers with clean records have lower premiums compared to drivers with tickets. Getting just one speeding ticket or other violation can increase rates substantially. Drivers who have serious violations such as DUI, reckless driving or excessive speeding are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
• Avoid unnecessary incidental coverages – Insurance policies have a lot of optional add-on coverages you can purchase if you aren’t careful. Things like rental car reimbursement, towing coverage, and term life insurance are examples of these. The coverages may be enticing when talking to your agent, but if you’ve never needed them in the past get rid of them and save.
• Your address can impact price – Being located in a rural area may provide you with better prices when shopping for auto insurance. People in densly populated areas have to deal with more road rage incidents and longer commute times. Lower population means fewer accidents and lower theft and vandalism rates.
• Use but don’t abuse your insurance – Auto insurance companies provide lower rates to people who do not rely on their insurance for small claims. If you file a lot of claims you can expect higher rates. Auto insurance is intended to be relied upon for claims that pose a financial burden.

When to get professional advice

When it comes to buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique.

These are some specific questions might point out whether you will benefit from professional help.

• Do I need higher collision deductibles?
• Will my rates increase for filing one claim?
• Do I need replacement cost coverage?
• How do I insure my teen driver?
• Will I be non-renewed for getting a DUI or other conviction?
• Should I buy additional glass protection?
• How does medical payments coverage work?
• When should my teen driver be added to my policy?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Car insurance advertising gotchas

Consumers can’t get away from ads that promise big savings by companies like State Farm, Allstate and Geico. All the ads convey the message that drivers will save a bundle after switching your coverage to them.

But how can every company cost less than your current company? It’s all in how they say it.

Different companies quote their cheapest rates for the type of customer that will most likely be profitable. An example of this type of insured should be a married female, has never had a claim, and drives a car with an anti-theft system. A propective insured who meets those qualifications will probably get the lowest prices and most likely will save a lot of money.

Potential insureds who do not meet this ideal profile will be charged higher premiums which translates to the driver buying from a lower-cost company. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can confidently lure you into getting a quote. That is why you absolutely need to do a price quote comparison at every renewal. Because you never know the company that will fit your personal profile best.

Car insurance coverages and their meanings

Understanding the coverages of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, damage from getting keyed and a tree branch falling on your vehicle. The most your car 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.

Collision insurance

Collision coverage covers damage to your Continental Supersports Convertible from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, hitting a parking meter, crashing into a ditch and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills for nursing services, hospital visits, funeral costs, prosthetic devices and ambulance fees. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Bentley Continental Supersports Convertible.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like structural damage, bail bonds and medical services. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Shop. Compare. Save.

We just showed you many ideas to compare 2012 Bentley Continental Supersports Convertible insurance prices online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest prices come from a small local company.

Consumers leave their current company for any number of reasons including not issuing a premium refund, denial of a claim, high prices and even questionable increases in premium. No matter why you want to switch, switching companies is less work than it seems.

Cheaper car insurance can be bought both online and from local agencies, and you should compare rates from both to get a complete price analysis. There are still a few companies who don’t offer rates over the internet and these regional carriers only sell through local independent agencies.

More tips and info about car insurance is available in these articles:

• Child Safety Seats (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Choosing a Car for Your Teen (State Farm)
• Eight Auto Insurance Myths (Insurance Information Insitute)