2018 Bentley Mulsanne Insurance Cost

Using the web to shop for car insurance quotes online can seem difficult if you’re new to online rate comparisons. But don’t surrender to high rates because comparing quotes is actually very simple.

You need to price shop coverage on a regular basis because insurance prices change quite often. Even if you got the best price on Mulsanne insurance a year ago you will most likely find a better rate quote today. Forget all the misinformation about insurance because you’re going to get a crash course in the easiest way to save money, get proper coverage and the best rates.

If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. Pricing cheaper insurance coverage coverage is not that difficult. Nevertheless, vehicle owners can benefit from knowing how insurance companies market insurance on the web and take advantage of how the system works.

How to buy auto insurance

To find the best auto insurance prices, there are several ways of comparing price quotes from many available auto insurance companies in your state. The quickest method to find affordable 2018 Bentley Mulsanne insurance rates is to jump online and get quotes. This is very easy and can be done in several different ways.

  1. If you’re in a hurry, the quickest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This method saves time by eliminating multiple quote forms for each price estimate. One form submission gets prices estimates from many national carriers. Recommended for those who want to invest the least amount of time.
  2. Another way to find more affordable insurance requires visiting the website for every company you want to comare and repeat the quote process. For example, we’ll assume you want comparison quotes from Auto-Owners, Allstate and GMAC. To get each rate you have to navigate to each company’s site and enter your policy data, which can get old fast. For a handy list of car insurance company links in your area, click here.
  3. If you have time to kill, the last way to compare price estimates is calling or driving to and from local insurance agencies. The ability to get quotes online makes this unnecessary unless you want the trained advice that only an agent can give. Some companies do allow you to comparison shop online and get advice from an agent in your area.

However you get your quotes, try to use exactly the same coverage information for every quote you compare. If your comparisons have higher or lower deductibles it will be nearly impossible to determine which rate is truly the best. Just slight variations in coverages can make a big difference in price. Just remember that comparing a large number of companies will enable you to find a lower rate than you’re paying now. Not every company allows you to get online rate quotes, so it’s important to compare price estimates from those companies as well.

Are you earning every discount?

Car insurance companies do not advertise every possible discount very clearly, so here is a list some of the more common as well as some of the hidden auto insurance savings.

  • Club Memberships – Joining certain professional organizations can get you a small discount on your next auto insurance statement.
  • No Charge for an Accident – but some insurance companies permit an accident before your rates go up if you have no claims prior to being involved in the accident.
  • Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may get savings of up to 25% or more.
  • Onboard Data Collection – Insureds that choose to allow their auto insurance company to spy on driving manner by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, it just doesn’t work that way.

A few of the larger companies and some of the premium reductions they offer are:

  • Farm Bureau may have discounts that include good student, 55 and retired, renewal discount, multi-vehicle, youthful driver, and multi-policy.
  • MetLife offers discounts including accident-free, multi-policy, good student, good driver, claim-free, and defensive driver.
  • Progressive may offer discounts for good student, multi-policy, online signing, continuous coverage, online quote discount, homeowner, and multi-vehicle.
  • AAA policyholders can earn discounts including multi-car, education and occupation, pay-in-full, good student, multi-policy, and anti-theft.
  • American Family includes discounts for Steer into Savings, mySafetyValet, defensive driver, early bird, good student, multi-vehicle, and bundled insurance.
  • GEICO discounts include five-year accident-free, military active duty, good student, defensive driver, multi-policy, and membership and employees.
  • State Farm offers premium reductions for good driver, safe vehicle, anti-theft, accident-free, Drive Safe & Save, and multiple policy.

Check with every company how many discounts you can get. Some discounts might not be available to policyholders in your area. To view companies who offer auto insurance discounts, click this link.

When in doubt talk to an agent

When it comes to buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions can aid in determining if your situation will benefit from professional help.

  • Is rental equipment covered for theft or damage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I break a side mirror?
  • When should my teen driver be added to my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Can I afford low physical damage deductibles?
  • How high should my medical payments coverage be?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage breakdown

Having a good grasp of auto insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like legal defense fees, pain and suffering and structural damage. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as surgery, doctor visits and EMT expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Auto collision coverage

This will pay to fix damage to your Mulsanne from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Bentley Mulsanne.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, a tree branch falling on your vehicle, theft and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A penny earned…

We covered some good ideas how to get a better price on 2018 Bentley Mulsanne insurance. The key concept to understand is the more you quote car insurance, the better chance you’ll have of finding the cheapest car insurance. You may even find the most savings is with a lesser-known regional company.

Consumers who switch companies do it for many reasons like policy non-renewal, lack of trust in their agent, an unsatisfactory settlement offer or even poor customer service. It doesn’t matter what your reason, finding the right insurance provider is pretty easy and you might even save some money in the process.

When you buy car insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

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Comments About 2018 Bentley Mulsanne Insurance

  1. Noel Sosa

    In Baltimore, MD, 21st Century auto insurance rates for my 2018 Bentley Mulsanne were good. Thankfully I’m not a high risk driver. You can get a rate quote online.

  2. Darcey Burks

    Where can I find cheaper car insurance in Detroit, MI?

  3. Louanne Reynolds

    Quoted with AAA for my Bentley and saved about $190 a year. I have a teen driver too. Highly recommended.

  4. Margy Neal

    Thanks for putting this site together. Got a quote with Allstate for my 2018 Bentley Mulsanne and saved about $570 a year. I have a teen driver too.

  5. Antonina Sweet

    Corporate greed I’m telling you. I live just to the north of Cedar Rapids, IA. Received quotes from American Family, Eastwood, and MetLife for my Mulsanne and saved $489 a year. Insured with AAA before. Good multi-policy discounts.

  6. Tod Donaldson

    What is UM/UIM coverage?

  7. Samella Woodard

    Not sure what I should be paying. Located in Gulfport, MS. Can’t remember who all I quoted but I ended up saving about $60 each month. Was with GEICO. They offer free online rate quotes.

  8. Elnora Wilder

    From north side of Columbus, GA. Quoted prices online for a 2018 Bentley Mulsanne. Ended up at about $450 savings annually. Went with State Farm. Have an at-fault accident tho.

  9. Benjamin Patel

    Just a quick comment on my experience. I live just to the south of Concord, NH. Got prices from USAA, Amica, Liberty Mutual, and Sentry for my 2018 Bentley Mulsanne and I’m now saving $40 a month. Got better coverage too. They offer free online rate quotes.

  10. Joette Mayo

    I’m in Rockford, Illinois. I quoted with Amica, Esurance, and Nationwide for my Mulsanne and I’m now saving $47 a month. I even had a DUI years ago. I used their online quote form to compare rates.