Cheap 2002 Bentley Continental Insurance Rates

Trying to find cheaper auto insurance rates for your Bentley Continental? Online rate comparisons for affordable auto insurance can seem difficult if you are one of the many people who have never used online auto insurance quotes. Don’t be confused because online price shopping is actually quite simple.

Lower-cost car insurance rates with discounts

Some companies don’t always advertise all their discounts very well, so below is a list some of the more common and the harder-to-find credits that you can use to lower your rates.

• One Accident Forgiven – Not a discount per se, but companies like Allstate and Geico will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free for a particular time prior to the accident.
• Federal Government Employee – Being employed by or retired from a federal job could qualify for a slight premium decrease on Continental insurance with select insurance companies.
• Seat Belts Save – Drivers who require all vehicle occupants to buckle up can save a little off PIP or medical payments premium.
• Passive Restraints – Vehicles equipped with air bags can get savings of 20 to 30 percent.
• Good Students Pay Less – Being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.

While discounts sound great, it’s important to understand that most credits do not apply to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will definitely reduce your premiums.

Larger car insurance companies and some of the discounts can be found below.

• American Family policyholders can earn discounts including bundled insurance, early bird, accident-free, multi-vehicle, and defensive driver.
• Nationwide offers discounts including easy pay, Farm Bureau membership, family plan, good student, and anti-theft.
• MetLife has savings for multi-policy, accident-free, defensive driver, good student, good driver, and claim-free.
• 21st Century may offer discounts for good student, homeowners, driver training, air bags, and teen driver.
• Farmers Insurance may have discounts that include teen driver, early shopping, distant student, alternative fuel, good student, and switch companies.
• Allstate has discounts for economy car, anti-lock brakes, good student, utility vehicle, early signing, senior citizen, and anti-theft.

When quoting, ask every company to give you their best rates. Discounts may not be available in every state. To view companies who offer cheap car insurance quotes, follow this link.

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Tailor your auto insurance coverage to you

When buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

For example, these questions might point out whether or not you could use an agent’s help.

• What if I don’t agree with a claim settlement offer?
• Where can I find high-risk insurance?
• Do I need added coverage for expensive stereo equipment?
• Am I covered when pulling a rental trailer?
• Will filing a claim cost me more?
• Is my state a no-fault state?
• Am I covered when using my vehicle for business?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Smaller companies may have the best rates

Insurance coverage providers like Allstate, Geico and Progressive endlessly run ads on TV and radio. They all make the same claim that you can save if you move to their company. How does every company give you a better price? It’s all in the numbers.

Many companies give the best rates for the type of driver that will most likely be profitable. For example, a preferred risk may be between the ages of 30 and 50, has other policies, and insures a new vehicle. A customer that matches those criteria receive the lowest rate quotes and will most likely save when they switch companies.

Consumers who are not a match for this ideal profile must pay more expensive rates and business not being written. The ads state “customers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s why insurance companies can state the savings.

That is why you really need to compare as many free auto insurance quotes as you can. You cannot predict which company will have the best car insurance rates at this point in time.

Detailed coverages of your car insurance policy

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability insurance

This coverage will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as funeral expenses, repair bills for other people’s vehicles, bail bonds and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills for pain medications, hospital visits and nursing services. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. 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 is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, hitting a bird, hail damage and falling objects. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Bentley Continental.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision protection

Collision coverage covers damage to your Continental resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, hitting a mailbox, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

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Never pay more for less

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where consumers will sacrifice collision coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

You just read many tips how you can get a better price on 2002 Bentley Continental insurance. It’s most important to understand that the more you quote auto insurance, the better likelihood of getting the cheapest auto insurance. You may even discover the most savings is with some of the lesser-known companies.

Low-cost 2002 Bentley Continental insurance can be found both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. A few companies may not offer internet price quotes and usually these regional insurance providers only sell through independent insurance agents.

Other information

• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Auto Theft Statistics (Insurance Information Insitute)

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