How Much Does 2012 Bentley Mulsanne Car Insurance Cost?

Trying to find cheaper insurance coverage rates? Buyers have options when searching for the best price on Bentley Mulsanne insurance. They can either spend hours struggling with agents trying to get quotes or leverage the internet to compare rates. There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the best way to quote coverages on a Bentley and get the lowest price.

Learn how to get car insurance cheaper

It’s important that you understand some of the elements that play a part in calculating the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that could help you find big savings.

Shown below are most of the major factors that factor into your prices.

• Too many policy claims will drive prices up – If you tend to file frequent claims, you can look forward to higher premiums or even policy non-renewal. Companies award discounts to insureds who file claims infrequently. Your insurance policy is designed for the large, substantial claims.
• Gals pay lower premiums – Over the last 50 years, statistics have shown females are less aggressive when driving. However, don’t assume that men are worse drivers. Both sexes have at-fault accidents in similar percentages, but the men have accidents that have higher claims. They also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers cause the most accidents and thus pay the highest rates.
• Better rates on cars with good safety ratings – Cars with five star safety ratings tend to have lower insurance rates. Safe vehicles protect occupants better and reduced instances of injuries means less claims paid which can result in lower premiums.
• If you don’t need it don’t buy it – There are many additional extra coverages that sound like a good idea at the time if you aren’t careful. Add-on coverages like coverage for rental cars, death and dismemberment, and extra life insurance coverage are probably not needed. These may sound like a good investment when talking to your agent, but if they’re wasting money get rid of them and save.
• Premiums increase with driving tickets – Whether or not you get tickets has a big impact on rates. Drivers with clean records get better prices compared to drivers with tickets. Getting just one moving violation could increase your next policy renewal by as much as twenty percent. People who have serious violations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive a vehicle.

Cheap auto insurance rate quotes online

There are several ways you can shop for auto insurance but some are less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could save time and use the internet to quickly compare rates.

Many companies enroll in a system where prospective buyers only type in their quote data once, and each company then gives them pricing based on that data. This eliminates the need for quotation requests for every auto insurance company. To compare pricing click here (opens in new window).

The single downside to using this type of system is you cannot specify the insurers to get pricing from. If you prefer to choose specific insurance companies to compare rates, we put together a list of companies who write auto insurance in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare exactly the same deductibles and coverage limits with each company. If the quotes have different data it’s impossible to find the best deal for your Bentley Mulsanne.

Car Insurance Discounts

Car insurance can be pricey, but you might find some hidden discounts that may help make it more affordable. Most are applied at the time of quoting, but some may not be applied and must be manually applied before you get the savings.

• No Charge for an Accident – This isn’t a discount exactly, but some insurance companies will let one accident slide before raising your premiums if your claims history is clear prior to being involved in the accident.
• Telematics Devices – Policyholders that allow driving data submission to scrutinize driving patterns through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they exhibit good driving behavior.
• Distant Student – College-age children who are attending college and won’t have access to an insured vehicle can receive lower rates.
• Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in high school.
• Online Discount – A handful of companies provide a small discount for signing up over the internet.

As is typical with insurance, many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. Even though it appears having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. But any discount will definitely lower your overall premium however.

Companies and some of their more popular discounts are:

• Esurance may have discounts that include renters, multi-car, online quote, anti-theft, Switch & Save, Pac-12 alumni, and defensive driver.
• The Hartford offers discounts for defensive driver, vehicle fuel type, air bag, driver training, and anti-theft.
• AAA has discounts for good driver, education and occupation, anti-theft, multi-car, and good student.
• Geico includes discounts for good student, seat belt use, anti-lock brakes, emergency military deployment, military active duty, air bags, and membership and employees.
• State Farm offers premium reductions for multiple autos, safe vehicle, Drive Safe & Save, student away at school, driver’s education, and good driver.

Double check with all the companies what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders in your area. To view companies that offer discounts, click here.

Tailor your car insurance coverage to you

When buying adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if you could use an agent’s help.

• Am I covered if I crash into my own garage door?
• Is my dog or cat covered if injured in an accident?
• Do I have coverage when pulling a U-Haul trailer?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• How can I force my company to pay a claim?
• Do I have coverage if my license is suspended?
• Can my teen driver be rated on a liability-only vehicle?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Are split liability limits better than a combined single limit?
• When should I remove comp and collision on my 2012 Bentley Mulsanne?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can help protect your family.

Car insurance coverage considerations

Learning about specific coverages of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical costs insurance – Med pay and PIP coverage reimburse you for short-term medical expenses for pain medications, X-ray expenses, doctor visits, surgery and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This covers damage to your Mulsanne from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, theft, vandalism, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2012 Bentley Mulsanne.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages – This will cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as pain and suffering, court costs, legal defense fees and emergency aid. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Be a penny pincher

Discount 2012 Bentley Mulsanne insurance is definitely available both online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not offer price quotes online and many times these smaller companies only sell coverage through independent insurance agents.

We just showed you some good ideas how you can lower your 2012 Bentley Mulsanne insurance rates. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the best rates are with a smaller regional carrier.

People switch companies for any number of reasons including unfair underwriting practices, questionable increases in premium, high rates after DUI convictions and being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company can be less work than you think.

Much more information about auto insurance is located at the links below

• How to Avoid Common Accidents (State Farm)
• Collision Coverage (Liberty Mutual)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)