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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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 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.
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:
Progressive is decent in Seattle, WA.
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.
If you’re a decent driver and live near Detroit, MI, check out 21st Century. They seem to be cheaper.
Went with Eastwood for my 2015 Bentley Mulsanne and saved about $280 a year. A clean driving record helps.
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. :)
In Tampa, FL, 21st Century is a good choice. I get lower rates because of my clean driving record.
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.
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.
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.
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.
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.
Any companies in Columbus, Ohio that will insure a DUI?
Quoted with The General for my Bentley and saved around $230 a year. God forbid I actually have a claim.
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.
My Bentley is faster than yours.
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.
Progressive was cheapest for my 2015 Bentley Mulsanne in Little Rock, AR.