Save on 2013 Bentley Mulsanne Car Insurance Rates

Paying for overpriced Bentley Mulsanne insurance can dry up your monthly budget and force you to cut corners elsewhere. Comparing rates annually is free and is an excellent way to slash your bill and have more diposable income.

Drivers have many car insurance companies to pick from, and though it is a good thing to have multiple companies, lots of choices makes it harder to find a good deal.

It is always a good idea to get comparison quotes periodically since prices are usually higher with each renewal. Just because you had the best deal for Mulsanne insurance a year ago there may be better deals available now. You can find a lot of wrong information about insurance online but I’m going to show you some great ways to slash your insurance rates.

Get more affordable insurance costs by understanding these factors

An important part of buying insurance is that you know the rating factors that aid in calculating your policy premiums. When you know what positively or negatively determines premiums, this allows you to make educated decisions that will entitle you to better insurance coverage rates.

  • Vocation reflects on rates – Careers such as judgespolice officers and stock brokers tend to have higher average rates in part from stressful work requirements and long work days. On the flip side, careers such as scientists, historians and the unemployed have the lowest average rates for Mulsanne insurance.
  • Better drivers pay lower rates – Attentive drivers have lower premiums than people who have multiple driving citations. Even a single citation can increase rates by as much as twenty percent. People who have license-revoking violations like hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state in order to prevent their license from being revoked.
  • Use one insurance company and save – The majority of insurers apply lower prices to people that buy multiple policies such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even if you qualify for this discount already, you still need to compare other company rates to help ensure you have the lowest rates. You may still be able to save more without the discount by buying insurance coverage from a different company.
  • Safety ratings are a factor – Vehicles with good safety scores get lower rates. Vehicles built for safety reduce occupant injuries and any reduction in injury severity translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Bentley Mulsanne has at least four stars on it may be receiving lower rates.
  • Single drivers take more risk – Your spouse can get you a discount on your insurance coverage bill. It translates into being less irresponsible it has been statistically shown that drivers who are married file infrequent claims.

How to get free auto insurance quotes online

Effectively comparing auto insurance prices can be exhausting if you don’t utilize the best way to get rate quotes. You could spend your day discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Many of the larger companies enroll in a system where prospective buyers enter their coverage request one time, and at least one company can provide price quotes based on that data. This saves time by eliminating quotation requests to each individual auto insurance company.

To find out what other companies charge click here (opens in new window).

The one downside to pricing coverage this way is you don’t know exactly the companies to get quotes from. If you would rather choose individual companies to compare prices, we put together a list of companies who write auto insurance in your area. Click here to view list.

Whichever way you choose to compare rates, make sure you use identical quote data for every quote you compare. If each company quotes different data it will be very difficult to make an equal comparison. Quoting even small variations in insurance coverages or limits can mean a large discrepancy in price. And when quoting auto insurance, remember that comparing all the rates in your area helps you find the best offered rates. Some smaller insurers to not give price estimates online, so you should also compare price quotes from them, too.

Insurance discounts help lower rates

The cost of insuring your cars can be expensive, but you might find some hidden discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be asked for before you will receive the discount.

  • Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Bundle and Save – If you can combine your auto and home policy with one insurance company you could save at least 10% off all policies.
  • Student in College – who are attending college and leave their car at home may qualify for this discount.
  • Anti-lock Brakes – Vehicles with ABS braking systems or traction control prevent accidents and qualify for as much as a 10% discount.
  • Discount for New Cars – Insuring a new car is cheaper since newer models have better safety ratings.

Don’t be surprised that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.

To view insurance companies who offer online insurance quotes, click here to view.

Which is the best insurance?

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Every situation is different so your insurance should reflect that For instance, these questions can help discover if your insurance needs might need professional guidance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Are rock chip repairs covered?
  • Does my policy cover me when driving someone else’s vehicle?
  • When should I remove comp and collision on my 2013 Bentley Mulsanne?
  • Should I have a commercial auto policy?
  • Why does it cost so much to insure a teen driver?
  • How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance policy specifics

Knowing the specifics of your insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types found on most insurance policies.

UM/UIM Coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Bentley Mulsanne.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, a tree branch falling on your vehicle, hitting a bird, fire damage and damage from flooding. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for pain medications, EMT expenses and nursing services. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability insurance provides protection from damage or injury you incur to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as structural damage, funeral expenses, bail bonds, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, hitting a mailbox, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

What is YOUR best insurance company?

The cheapest 2013 Bentley Mulsanne insurance can be purchased on the web in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not provide the ability to get quotes online and these smaller providers provide coverage only through independent insurance agents.

When searching for affordable insurance quotes, you should never buy poor coverage just to save money. There have been many cases where an insured cut full coverage only to find out that the small savings ended up costing them much more. Your goal is to find the BEST coverage for the lowest price while not skimping on critical coverages.

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Comments About 2013 Bentley Mulsanne Insurance

  1. Yanira Walton

    If you’re a decent driver and live near Newark, DE, check out Progressive. You might save some money. I have kids on my policy, too. Online quotes are the way to go.

  2. Rosenda Meyers

    Went with AIG Insurance for my Mulsanne and saved around $560 a year.

  3. Rosalba Austin

    Does Progressive do SR22s in Nebraska?

  4. Viola Sandoval

    I’m in Portland, ME, and State Farm rates were affordable. God forbid I actually have a claim.

  5. Britney Fischer

    I got a good deal I think. Quoted with Western Auto Insurance for my Bentley and saved about $120 a year. I have several vehicles insured with them.

  6. Georgie Collier

    Hope my rates come down. I’m just east of Charleston, SC. Quoted a bunch of companies. Saved about $30 a month. Progressive was the cheapest option for me. Was with Allstate. I have several vehicles insured with them. Not sure if rates are cheaper online or not.

  7. Ashli Massey

    I can’t pay high rates. I’m in the south part of Manchester, NH. Not sure of all the companies but I ended up saving about $60 each month. I get a discount for insuring multiple vehicles. Highly recommended.

  8. Janetta Fernandez

    Anyone buy from AIG Insurance? I’m in Jersey City, New Jersey.