2016 Bentley Mulsanne Insurance Quotes

Trying to find cheaper car insurance rates for your Bentley Mulsanne? I really doubt anyone looks forward to paying premiums for car insurance, especially when their premiums are too high. There is such a variety of car insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, having more auto insurance companies makes it harder to compare rates and find the lowest cost car insurance.

It’s smart to get comparison quotes occasionally because prices change regularly. Just because you had the best deal on Mulsanne insurance a few years ago you may be paying too much now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the fastest way to reduce your cost while improving coverage.

What impacts Bentley Mulsanne insurance prices?

Lots of things are considered when you quote your car insurance policy. Some are pretty understandable such as your driving record, but some are more obscure such as your credit history or your financial responsibility.One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that help calculate the price you pay for car insurance. If you know what impacts premium levels, this enables informed choices that could result in lower car insurance prices.

Shown below are some of the items used by your company to calculate your rates.

  • Add-on coverages can cost a lot – Insurance policies have a lot of extra bells and whistles that can waste your money if you aren’t diligent. Coverages for vanishing deductibles, towing, and membership fees are probably not needed. They may sound like good ideas when you first buy your policy, but your needs may have changed so consider taking them off your policy.
  • Bundle policies and save money – Lots of car insurance companies give lower prices to clients that buy multiple policies in the form of a multi-policy discount. The discount can be 10 percent or more. Even with this discount, it’s always a smart idea to compare rates to help ensure you have the lowest rates.
  • High coverage deductibles reduce prices – The deductibles you choose are the amount of money the insured will be required to pay if a claim is determined to be covered. Physical damage coverage, aka comp and collision, protects your car from damage. Examples of covered claims are collision with another vehicle, hail damage, or theft of your vehicle. The larger the amount you have to pay, the better rate you will receive on Mulsanne insurance.
  • Rates increase with driving citations – Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Getting just one speeding ticket can increase rates by as much as thirty percent. People who have license-revoking citations like reckless driving or DUI may be required to complete a SR-22 with their state in order to legally drive.
  • Buy as much liability coverage as you can afford – The liability section of your policy provides coverage in the event that you are responsible for physical damage or personal injury to other. It provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Is car insurance cheaper for males or females? – Over the last 30 years, statistics show women are more cautious behind the wheel. It does not mean females are better drivers. Males and females cause at-fault accidents in similar numbers, but males have costlier accidents. Not only are claims higher, but men receive more major tickets such as reckless driving. Males from age 16 to 21 generally have the highest accident percentage and therefore are the most expensive to insure.
  • Where you call home plays a part – Having an address in small towns and rural areas can save you money when shopping for auto insurance. Fewer drivers and short commutes means fewer accidents in addition to fewer liability claims. City drivers have to deal with congested traffic and longer commute times. Higher commute times translates into higher accident risk.
  • How your age affects costs – Teen drivers have been known to be inattentive with other occupants in the car so they pay higher car insurance rates. Older, more experienced drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets.

Compare auto insurance price quotes online

Getting a more affordable price on 2016 Bentley Mulsanne insurance is an easy way to save money. You just have to invest a few minutes comparing price quotes to see which company has affordable insurance coverage quotes. Price comparisons can be done using one of these methods.

  1. The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This method saves time by eliminating separate quotes for each company you want a rate for. Completing one form gets you price quotes from auto insurance companies with the best prices.
  2. Another way to compare rate quotes requires you to visit each company website and fill out a new quote form. For instance, we’ll assume you want to compare rates from Progressive, Esurance and Travelers. To do that, you would have to go to each individual site to enter your coverage information, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but double check that you are using equivalent coverages and limits on every quote. If the quotes have different deductibles then you won’t be able to make an equal comparison.

Discounts for cheaper auto insurance rates

Car insurance companies don’t always list all disounts in a way that’s easy to find, so we researched both the well known and also the more inconspicuous discounts that you can inquire about if you buy insurance coverage online.

  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up before driving could cut 10% or more off PIP or medical payments premium.
  • No Claims – Drivers with accident-free driving histories have much lower rates when compared with policyholders that have many claims.
  • College Student – Kids who are enrolled in a college that is more than 100 miles from home and leave their car at home may be able to be covered for less.
  • Life Insurance – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
  • First Accident Forgiveness – Not a discount per se, but some insurance companies will let one accident slide before they charge you more for coverage if you are claim-free for a certain period of time.
  • Lower Rates for Military – Being deployed in the military could trigger a small discount.
  • Save with a New Car – Adding a new car to your policy is cheaper because new vehicles keep occupants safer.
  • Low Mileage Discounts – Low annual miles may allow you to get cheaper auto insurancerates.
  • Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 25 to 30%.

A little disclaimer on discounts, most discount credits are not given to your bottom line cost. Most cut individual premiums such as comp or med pay. Even though it appears you could get a free auto insurance policy, that’s just not realistic.

Larger auto insurance companies and their possible discounts are detailed below.

  • GEICO may have discounts that include emergency military deployment, federal employee, multi-policy, military active duty, daytime running lights, and good student.
  • SAFECO includes discounts for teen safe driver, safe driver, multi-car, anti-lock brakes, and accident prevention training.
  • State Farm offers premium reductions for Drive Safe & Save, driver’s education, defensive driving training, Steer Clear safe driver discount, anti-theft, good driver, and good student.
  • MetLife offers discounts for good student, good driver, defensive driver, multi-policy, claim-free, and accident-free.
  • 21st Century may include discounts for good student, air bags, automatic seat belts, homeowners, driver training, and 55 and older.
  • Progressive may offer discounts for homeowner, continuous coverage, online quote discount, online signing, multi-policy, multi-vehicle, and good student.

When getting free insurance coverage quotes, it’s a good idea to all the companies which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in your area.

You may need specialized insurance coverage coverage

When choosing the best insurance coverage coverage, there isn’t really a one size fits all plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out if your situation may require specific advice.

  • Is my cargo covered for damage or theft?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I missing any policy discounts?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered when driving a rental car?
  • What is covered by UM/UIM coverage?
  • Am I covered if I drive in a foreign country?
  • Does liability extend to a camper or trailer?
  • Should I rate my 2016 Bentley Mulsanne as pleasure use or commute?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Learn about insurance coverages for a 2016 Bentley Mulsanne

Having a good grasp of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverage types offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Bentley Mulsanne.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Coverage for collisions

Collision coverage pays for damage to your Mulsanne resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, backing into a parked car, sustaining damage from a pot hole, sideswiping another vehicle 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 to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like pain medications, prosthetic devices, doctor visits, dental work and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, theft, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

This can cover damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, emergency aid, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Don’t be a big spender

In this article, we presented many tips how you can lower your 2016 Bentley Mulsanne insurance rates. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost insurance coverage. You may even discover the best price on insurance coverage is with a small mutual company. They often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate and Progressive.

When searching for inexpensive insurance coverage quotes, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret at claim time that it was a big mistake. The aim is to buy enough coverage at the best cost but still have enough coverage for asset protection.

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Comments About 2016 Bentley Mulsanne Insurance

  1. Joeann Underwood

    If you don’t have tickets and live around Saint Louis, MO, check out State Farm. They seem to be cheaper. Insured with Sentry before.

  2. Stevie Lucas

    Lifelong resident of Knoxville, TN and for me GEICO had the lowest quote.

  3. Shanika Bradshaw

    Mine is so expensive. I live west of Mobile, AL. Don’t remember every company but I ended up saving about $60 each month.

  4. Dolores Carey

    Any 21st Century or Farmers customers near Idaho Falls, ID?

  5. Casimira England

    Not sure if this is cheap. Quoted with GMAC for my 2016 Bentley Mulsanne and saved about $180 a year. Did it all online.

  6. Merrie Byers

    If you have a clean record and live near San Diego, California, check out State Farm. You might save some money.

  7. Jeannie Massey

    Got a quote with Hanover for my Bentley and saved about $350 a year. Was with Nationwide. I have a teen driver too. I quoted rates online then called them.

  8. Luciana Fitzgerald

    Compared auto insurance prices with State Farm and Progressive but still not cheap enough.