2006 Bentley Continental Flying Spur Insurance Quotes – 10 Policy Discounts

There isn’t a single person who looks forward to paying for insurance coverage, especially when they know the cost is way too high.

People have multiple auto insurance companies to buy insurance from, and although it’s a good thing to be able to choose, more choices can make it harder to adequately compare rates.

It’s smart to compare rates on a regular basis because insurance coverage prices are constantly changing. Even if you think you had the best deal on Continental Flying Spur coverage two years ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about insurance coverage online, but in this article, you’re going to get some of the best ways to stop overpaying for insurance.

Compare car insurance rate quotes online

There are multiple methods to compare car insurance quotes, but some are more efficient than others. You can waste a few hours (or days) talking about coverages with agents in your area, or you could save time and use the internet to quickly compare rates.

Many insurance companies take part in a program where insurance shoppers complete one form, and each participating company can give them a price for coverage. This eliminates the need for quote requests for each company. To find out how much you can save on car insurance click here to start a free quote.

The one downside to comparing rates this way is you don’t know exactly the companies to receive prices from. If you wish to select specific providers for rate comparison, we put together a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, do your best to enter apples-to-apples coverages and limits with each company. If you enter different liability limits you will not be able to determine which company has the best rates. Just slight variations in insurance coverages or limits could mean much higher rates. And when comparison shopping, getting more free quotes gives you a better chance of getting a lower rate.

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More discounts mean lower-cost premiums

Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. Some trigger automatically when you quote, but some must be manually applied in order for you to get them.

• Include Life Insurance and Save – Some companies give a discount if you purchase life insurance from them.
• 55 and Retired – Seniors may qualify for a small discount on rates on Continental Flying Spur coverage.
• Professional Memberships – Participating in certain professional organizations could qualify you for a break on your next renewal.
• Claim Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote in comparison with bad drivers.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will qualify for a discount on a car insurance quote.
• Paper-free Discount – A handful of larger companies will give a small break for signing up on your computer.
• Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and the ABS can save up to 10%.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up before driving can save 10% or more off the medical payments premium.
• Drive Safe and Save – Accident-free drivers could pay up to 40% less on Continental Flying Spur coverage than their less cautious counterparts.
• New Vehicle Savings – Adding a new car to your policy can save you some money because newer vehicles have to meet stringent safety requirements.

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride.

Companies that have most of the discounts above include:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

If you are trying to find cheaper car insurance quotes, ask every prospective company to apply every possible discount. Discounts might not be offered on policies in your state. To choose insurers that offer some of these discounts, click here.

It’s not one size fits all

When buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your situation will benefit from professional help.

• When should I not file a claim?
• Should I rate my 2006 Bentley Continental Flying Spur as pleasure use or commute?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is my teen driver covered when they drive my company car?
• Are rental cars covered under my policy?
• How can I force my company to pay a claim?
• Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Be skeptical of auto insurance ads

Well-known auto insurance companies like Allstate, Geico and Progressive endlessly run television, radio, and online ads. All the ads advertise claims that you can save just by moving your coverage to them. How is it plausible that every one can charge you a lower premium? This is the way they can do it.

Companies provide the lowest rates for the driver that makes them money. A good example of a profitable customer might have to be over the age of 40, has never had a claim, and has great credit. A propective insured who matches that profile receives the best premium rates as well as save if they switch.

People who don’t measure up to the requirements may be required to pay a higher premium and this can result in business going elsewhere. If you pay attention, the ads say “drivers that switch” not “everyone who quotes” can save as much as they claim. That is how companies can state the savings. Each company has different criteria, so you really need to compare many company’s premium rates. Because you cannot predict which auto insurance company will have the best car insurance rates at this point in time.

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Educate yourself about car insurance coverages

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Collision – This coverage will pay to fix damage to your Continental Flying Spur from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Bentley Continental Flying Spur.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, damage from getting keyed, a broken windshield, theft and falling objects. The maximum amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for surgery, pain medications and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for liability – Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as structural damage, repair costs for stationary objects, medical expenses, bail bonds and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Saving money is sweet as honey

Affordable 2006 Bentley Continental Flying Spur insurance can be sourced on the web as well as from insurance agents, so you should compare both so you have a total pricing picture. A few companies don’t offer rates over the internet and usually these regional insurance providers only sell coverage through independent agencies.

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. Too many times, someone sacrificed uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. Your goal is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

We’ve covered many tips how you can reduce 2006 Bentley Continental Flying Spur insurance rates online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Geico and State Farm.

Other learning opportunities

• Booster Seat Ratings (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Teen Driving and Texting (State Farm)
• Liability Insurance Coverage (Nationwide)
• Tread Depth and Tire Safety (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)

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