View 2015 Bentley Mulsanne Car Insurance Rates

Want cheaper car insurance rates for your Bentley Mulsanne? Trying to find cheaper insurance for a Bentley Mulsanne can normally be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to compare car insurance rates and you need to know the best way to quote coverages for a new or used Bentley and obtain the lowest price.

You should make it a habit to compare prices periodically because car insurance prices are usually higher with each renewal. If you had the lowest rates on Mulsanne coverage two years ago you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance online, but I’m going to show you some proven techniques to lower your car insurance bill.

Locating affordable coverage is simple if you know the tricks. If you have a policy now or need new coverage, you can follow these tips to get lower rates while maximizing coverage. Vehicle owners just need to understand how to compare prices online.

How your Mulsanne insurance premiums are determined

Lots of factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious like an MVR report, but other criteria are not as apparent such as your credit history or how safe your car is.Consumers need to have an understanding of some of the factors that aid in calculating your policy premiums. If you know what determines premiums, this enables informed choices that will entitle you to lower rates.

  • Big cities mean more claims – Having an address in less populated areas of the country can be a good thing when trying to find low car insurance rates. People in densly populated areas tend to have more road rage incidents and longer commutes to work. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
  • You may save more by consolidating policies – Most major insurers allow a discount to policyholders who have multiple policies with them. It’s known as a multi-policy discount. This can amount to as much as ten percent or more Even if you’re getting this discount you may still want to compare rates to verify if the discount is saving money.
  • Get married and pay less – Getting married may earn you lower rates on your auto insurance bill. Having a spouse is viewed as being more mature and responsible it has been statistically shown that drivers who are married are more cautious.
  • The more you drive the more you pay – The more miles you rack up on your Bentley in a year’s time the higher your rate. The majority of insurers apply a rate based upon how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates than cars that get driven a lot. Improper usage on your Mulsanne is throwing money out the window. Double check that your auto insurance policy properly reflects the correct usage, because improper ratings can cost you money.
  • Cheaper prices for prior coverage – Having a gap between insurance policy dates is a quick way to increase your auto insurance rates. In addition to paying higher rates, being ticketed for driving with no insurance could earn you fines and jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Pay more of a claim out-of-pocket – Physical damage coverage, also called ‘full coverage’, insures against damage to your Bentley. A few examples of covered claims are running into the backend of another car, collision with an animal, and having your car stolen. The deductibles you choose are how much you are required to spend out-of-pocket if the claim is covered. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be on Mulsanne coverage.
  • Your age impacts your costs – More mature drivers are more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.Teen drivers are statistically proven to be easily distracted behind the wheel and because of this, their auto insurance rates are much higher.
  • Credit score impact auto insurance prices – Having a bad credit score can be a huge factor in calculating your premium rate. So if your credit rating can use some improvement, you could potentially save money when insuring your 2015 Bentley Mulsanne if you clean up your credit. People that have very high credit ratings tend to be more responsible than drivers with poor credit scores.

Get cheaper insurance with discounts

Companies don’t always list every discount they offer in an easy-to-find place, so below is a list a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy insurance online. If you aren’t receiving every discount possible, you are not getting the best rate possible.

  • Driver Safety – Taking time to complete a course that instructs on driving safety could save 5% or more depending on where you live.
  • Early Switch Discount – Some larger companies provide a discount for switching policies before your current coverage expires. This can save 10% or more.
  • Government Employees – Employees or retirees of the government could provide a small rate reduction on Mulsanne coverage with select insurance companies.
  • Student in College – who live away from home to go to college and don’t have a car could qualify for this discount.
  • First Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies allow you one accident without raising rates if you are claim-free before the accident.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Senior Citizen Rates – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Mulsanne coverage.

Don’t be shocked that most discount credits are not given to all coverage premiums. Most cut individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, you’re out of luck.

Auto insurance companies that may offer policyholders some of the above discounts may include but are not limited to:

If you need the cheapest insurance quotes, ask every prospective company to apply every possible discount. Some discounts may not apply to policies in your area.

Do insurance companies bend the truth?

Consumers can’t ignore all the ads that promise big savings for switching from the likes of Allstate and Progressive. They all seem to state the claim about how much you will save if you move your coverage.

How do they all make the same claim? Here is how they do it.

Many companies can use profiling for the type of driver that makes them money. A good example of a desirable risk might be described as a married female, has no tickets, and does not commute to work. Any driver who meets those qualifications will qualify for the lowest prices as well as save a lot if they switch.

Drivers who cannot meet these stringent criteria may receive higher premiums and this results in the customer not purchasing. If you pay close attention to the ads, they say “drivers who switch” not “everyone who quotes” can get the lowest rates when switching. That’s why insurance companies can make claims like that.

That is why it’s extremely important to do a rate comparison at every renewal. Because you cannot predict which insurance company will have the lowest rates.

Tailor your insurance coverage to you

When choosing coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different.

These are some specific questions can help discover whether or not you could use an agent’s help.

  • Am I covered when driving on a suspended license?
  • Do I need roadside assistance coverage?
  • Should I waive the damage coverage when renting a car?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if I break a side mirror?
  • How do I insure my teen driver?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance specifics

Understanding the coverages of your policy helps when choosing the right coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2015 Bentley Mulsanne.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, damage from getting keyed and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like ambulance fees, nursing services, funeral costs and doctor visits. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage covers damage to your Mulsanne resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverage

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things like attorney fees, bail bonds, structural damage and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Take this to the bank

You just learned a lot of ways to get a better price on 2015 Bentley Mulsanne insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your premium rates. Consumers could even find that the lowest auto insurance rates come from some of the lesser-known companies.

Lower-priced car insurance can be bought on the web and from local insurance agents, so you need to shop insurance with both to get a complete price analysis. Some car insurance companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

People leave their current company for a number of reasons such as delays in paying claims, unfair underwriting practices, policy cancellation or even policy non-renewal. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

Even more information is located in these articles:

Comments About 2015 Bentley Mulsanne Insurance

  1. Eartha Soto

    Progressive is decent in Seattle, WA.

  2. Akilah Wallace

    From south side of Bellevue, Nebraska. Compared quite a few companies. Saved about $20 a month. GEICO was the cheapest for me. Bought it from an online quote.

  3. Corrin Simmons

    If you’re a decent driver and live near Detroit, MI, check out 21st Century. They seem to be cheaper.

  4. Tamekia Wolfe

    Went with Eastwood for my 2015 Bentley Mulsanne and saved about $280 a year. A clean driving record helps.

  5. Trang Pennington

    I’m in the suburbs of Portland, OR. I compared lots of rates. Saved darn near $40 a month. 21st Century was the cheapest for me. Left Allstate to switch. :)

  6. Wilda Barrera

    In Tampa, FL, 21st Century is a good choice. I get lower rates because of my clean driving record.

  7. Palma Willis

    Lots of useful info here. Went with State Farm for my Mulsanne and am saving around $170 a year. Insured with Western Auto Insurance before. I think they have home insurance too. I used their website to get prices.

  8. Maryjane Hodge

    I found pretty cheap rate quotes for a 2015 Bentley Mulsanne in Nashville, TN. Ended up at about $420 every six months with Amica. Insured with GEICO before.

  9. Anisa Martin

    Cheap is not always the best policy. From Tucson, AZ. Got prices from Progressive, AIG Insurance, and some I forget for my 2015 Bentley Mulsanne and saved around $270 a year.

  10. Quinn Cash

    Cheap is not always the best policy. From south side of Jersey City, NJ. I got free prices from GMAC, AIG Insurance, Sentry, and a couple others for my Bentley and I’m now saving $15 a month. I get multi-vehicle and multi-policy discounts. I used their website to get prices.

  11. Dale Kramer

    Mine is so expensive. I live on the north side of Baltimore, MD. Got car insurance quotes from GEICO, AIG Insurance, Farmers, and Liberty Mutual for my 2015 Bentley Mulsanne and saved just over $410 a year. Left Progressive to switch. Can still barely afford it.

  12. Michaela Ferrell

    Any companies in Columbus, Ohio that will insure a DUI?

  13. Rhiannon Avery

    Quoted with The General for my Bentley and saved around $230 a year. God forbid I actually have a claim.

  14. Anette Mercer

    Nice post. I’m in the west part of Las Cruces, New Mexico. Compared rates from a lot of places. Saved roughly $30 a month. 21st Century was the cheapest option for me. They have free quotes online.

  15. Ahmed Austin

    My Bentley is faster than yours.

  16. Nickie Mills

    Well-written and thought out article. Lifelong resident of Gulfport, Mississippi. Received quotes with Mercury, Encompass, GEICO, and AAA for my Bentley and cut my rates about $570 a year. Left Farmers to switch. I get multi-vehicle and multi-policy discounts. Bought it from an online quote.

  17. Jonna Mccarthy

    Progressive was cheapest for my 2015 Bentley Mulsanne in Little Rock, AR.