2018 Bentley Continental Car Insurance Rates

Want cheaper insurance coverage rates for your Bentley Continental? Trying to find cheaper insurance for your Bentley Continental could be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to find insurance coverage online and you need to know the best way to quote coverages on a Bentley and find the lowest possible price from both online companies and local agents.

If you have insurance now or are just looking to switch companies, you will benefit by learning to find the best rates while maintaining coverages. Pricing the best car insurance can be fairly easy. Drivers just need to understand the tricks to compare rates on the web.

Save money by taking advantage of discounts

Companies offering auto insurance don’t necessarily list the complete list of policy discounts very clearly, so the list below contains a few of the more common and the harder-to-find credits available to you.

  • Distant Student Discount – living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Life Insurance Discount – Larger companies have lower premium rates if you buy life insurance from them.
  • Employee of Federal Government – Having worked for a branch of the government can earn a discount up to 10% for Continental insurance with some car insurance companies.
  • Bundle and Save – If you can combine your auto and home policy and place coverage with the same company you could earn a discount of at least 10 to 15 percent or more.
  • Accident Forgiveness – This isn’t a discount exactly, but some companies like GEICO and Allstate may permit one accident without the usual rate increase if you are claim-free before the accident.
  • Theft Deterent – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Professional Organizations – Affiliation with a civic or occupational organization is a good way to get lower rates on your next car insurance statement.
  • Paper-free Discount – Certain insurance companies may give you up to $50 for buying your policy on the web.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. So when the math indicates you could get a free car insurance policy, it’s just not the way it works.

If you would like to choose from a list of insurance companies that offer some of these discounts, click this link.

Bentley Continental insurance premium factors

An important part of buying insurance is that you know some of the elements that come into play when calculating your car insurance rates. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you much lower annual insurance costs. Many different elements are part of the equation when premium rates are determined. Some are obvious such as your driving record, although some other factors are not quite as obvious like where you live or how financially stable you are.

The list below includes just a few of the factors utilized by car insurance companies to help set rates.

  • Low mileage costs less – The more you drive every year the more it will cost to insure it. Many insurance companies price each vehicle’s coverage based on their usage. Cars and trucks used primarily for pleasure use can be on a lower rate level than those that get driven frequently. Verify your car insurance declarations sheet reflects the proper vehicle usage, because improper ratings can cost you money. Having the wrong rating on your Continental is just wasting money.
  • Cars with good safety ratings cost less to insure – Cars with five star safety ratings get lower rates. Safe vehicles help reduce the chance of injuries in an accident and better occupant protection translates directly to fewer claims which can result in lower premiums. If the Bentley Continental earned at least four stars on Safercar.gov it may be receiving lower rates.
  • Lower comp and collision deductibles cost more – Your deductibles define the amount you are willing to pay before your car insurance pays a claim. Insurance for physical damage to your car, also called ‘full coverage’, is used to repair damage to your car. Examples of some claims that would be covered are collision with another vehicle, vandalism, and damage caused by road hazards. The more the insured has to pay upfront, the less money you will pay for car insurance for Continental insurance.
  • Youthful drivers cost more – Older insureds are more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.Drivers with little experience are statistically proven to be less responsible when behind the wheel therefore car insurance rates are much higher.

How much car insurance do I need?

When it comes to buying adequate coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.

  • Are rental cars covered under my policy?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered when delivering products for my home-based business?
  • Am I getting all the discounts available?
  • How do I buy GAP insurance?
  • Does medical payments coverage apply to all occupants?
  • Should I drop comprehensive coverage on older vehicles?
  • If my 2018 Bentley Continental is totaled, can I afford another vehicle?
  • Can my teen drive my company car?
  • Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance 101

Having a good grasp of car insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability coverage – This coverage protects you from damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like repair costs for stationary objects, bail bonds and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage – Collision insurance covers damage to your Continental caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, scraping a guard rail, rolling your car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your 2018 Bentley Continental.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Medical costs insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for chiropractic care, hospital visits and funeral costs. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

You can do this!

Consumers switch companies for any number of reasons including an unsatisfactory settlement offer, poor customer service, denial of a claim or even policy non-renewal. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

We just covered a lot of information how to save on 2018 Bentley Continental insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding the cheapest insurance. You may even find the lowest car insurance rates are with a company that doesn’t do a lot of advertising.

As you quote insurance, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at a price you can afford and still be able to protect your assets.

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Comments About 2018 Bentley Continental Insurance

  1. Ulrike Le

    I went with Progressive at renewal. Best rates in Kansas City, Missouri.

  2. Hung Gamble

    Here’s what I found out. I live east of Portland, OR. Got prices from Hanover, Auto-Owners, Sentry, and a couple others for my Continental and I think I saved about $60 each month. Insured with Safeco before. Are quotes cheaper online?