2013 Bentley Continental Flying Spur Car Insurance Quotes

Want better car insurance rates for your Bentley Continental Flying Spur? Pricey Bentley Continental Flying Spur insurance can consume your accounts and possibly require you to analyze your spending habits. There is such a variety of car insurance companies to pick from, and although it’s nice to have a selection, more options can take longer to find the best rates.

Consumers need to check car insurance prices as often as possible since insurance rates are adjusted regularly by insurance companies. Just because you found the best premium rates on Continental Flying Spur coverage a few years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re going to get a crash course in one of the quickest ways to properly buy coverages and cut your premium.

More discounts mean lower-cost premiums

Some companies do not advertise every available discount very clearly, so the following list contains both the well known and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out a life policy as well.
• Federal Employees – Employees or retirees of the government could provide a small rate reduction on Continental Flying Spur coverage depending on your insurance provider.
• Bundle and Save – If you insure your home and vehicles and insure them with the same company they may give you a discount of 10% to 20% off each policy.
• Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount until age 25.
• Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts as much as 30%.
• Senior Citizen Discount – Drivers over the age of 55 can possibly qualify for better insurance rates on Continental Flying Spur coverage.
• No Accidents – Insureds who avoid accidents and claims have much lower rates compared to insureds who have frequent claims or accidents.
• No Charge for an Accident – This one is not really a discount per se, but some insurance companies will forgive one accident without getting socked with a rate hike so long as you haven’t had any claims for a set time period.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will positively reduce your premiums.

Companies that may offer some of the above discounts are:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

Double check with all the companies how you can save money. All car insurance discounts might not be offered on policies in every state.

How you can control Bentley Continental Flying Spur insurance rates

Many things are part of the equation when you quote your car insurance policy. Some factors are common sense such as traffic violations, but some are more obscure such as your marital status or how financially stable you are.

The itemized list below are some of the items used by companies to determine your rates.

• Lower premiums for safer cars – Cars with high safety ratings cost less to insure. Highly rated vehicles result in less severe injuries and fewer serious injuries means less money paid by your insurance company which can result in lower premiums. If your Bentley Continental Flying Spur earned at least four stars on Safercar.gov you are probably receiving a discount.
• Your car’s features help determine auto insurance rates – Selecting a car model with a theft deterrent system can help lower your rates. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your car from being stolen.
• Annual miles is a factor – The higher the mileage driven in a year the higher the price you pay to insure it. Almost all companies price each vehicle’s coverage based upon how much you drive. Vehicles left parked in the garage receive lower rates than vehicles that are driven to work every day. It’s a good idea to make sure your declarations sheet shows the right rating data. Incorrect rating for your Continental Flying Spur can cost quite a bit.
• Continuous auto insurance coverage saves money – Driving with no insurance can get you a ticket and any future policy may cost more because you let your coverage cancel without a new policy in place. And not only will insurance be more expensive, the inability to provide proof of insurance might get you fines or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
• Premiums may be lower depending on your employer – Did you know your auto insurance rates can be affected by your occupation? Occupations like real estate brokerspolice officers and accountants are shown to have higher rates than the rest of us in part from high stress levels and lots of time spent away from family. On the flip side, professions such as scientists, engineers and performers have lower than average premiums on Continental Flying Spur coverage.
• Do you qualify for a multi-policy discount? – The majority of insurers apply lower prices to customers who consolidate policies with them in the form of a multi-policy discount. Even with this discount applied, it’s always a smart idea to comparison shop to help guarantee you have the best rates. It’s possible to still find lower rates by splitting coverages up.
• Claim-free discounts can add up – If you frequently file small claims, you should expect either a policy non-renewal or much higher rates. Car insurance companies give better rates to people who file claims infrequently. Insurance coverage is intended for claims that you cannot pay yourself.

It’s not one size fits all

When buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different so this has to be addressed. For example, these questions may help you determine if your insurance needs will benefit from professional help.

• How do I buy GAP insurance?
• How can I get my company to pay me more for my totalled car?
• What is covered by UM/UIM coverage?
• Do I pay less for low miles?
• What companies insure drivers after a DUI or DWI?
• Am I covered when driving a rental car?
• Is my teenager covered with friends in the car?
• Why does it cost so much to insure a teen driver?
• Do all my vehicles need collision coverage?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Is there deception in advertising?

Consumers can’t avoid all the ads that claim the cheapest car insurance rates by companies like Geico, State Farm and Progressive. All the ads advertise the message that drivers will save a bundle if you move your policy.

How can each company sell you cheaper insurance coverage? You have to listen carefully.

Companies are able to cherry pick for the right customer that earns them the most money. A good example of a profitable insured could possibly be over the age of 40, has other policies, and chooses high deductibles. Anyone that matches those criteria gets the lowest premium rates and therefore will cut their rates if they switch.

Potential customers who don’t meet this stringent profile will get higher rates and ends up with the prospect going elsewhere. The wording the ads use say “drivers that switch” not “everybody who quotes” save that much when switching. That’s the way companies can make claims like that.

This illustrates why it’s extremely important to compare free auto insurance quotes often. It is just not possible to predict which company will fit your personal profile best.

Car insurance coverage specifics

Understanding the coverages of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by car insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses for dental work, doctor visits and pain medications. They are often utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Collision insurance

This will pay to fix damage to your Continental Flying Spur caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like scraping a guard rail, crashing into a ditch, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Liability

Liability coverage can cover damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, pain and suffering, loss of income and medical expenses. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, fire damage and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Bentley Continental Flying Spur.

Since a lot of drivers only purchase the least amount of liability that is required, 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. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

In the end, you save

You just read some good ideas how to get a better price on 2013 Bentley Continental Flying Spur insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a smaller regional carrier. These smaller insurers may have significantly lower prices on certain market segments than the large multi-state companies such as Allstate and Progressive.

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, an insured dropped comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

A few companies may not have online rate quotes and these smaller companies only sell coverage through independent agents. Budget-friendly car insurance can be purchased on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis.

More information is available below:

• Where can I buy Insurance? (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Tools for Teen Driving Safety (State Farm)
• Learn About Car Insurance (Geico)