2013 Bentley Continental Flying Spur Insurance Rates

Drivers have a choice when trying to find the lowest priced Bentley Continental Flying Spur insurance. They can either spend hours driving around trying to get quotes or use the internet to make rate comparisons.

There is a better way to find insurance online and you need to know the absolute fastest way to quote coverages for a new or used Bentley and find the lowest price from local insurance agents and online providers.

It’s important to quote other rates quite often because insurance prices go up and down regularly. Just because you had the lowest rates for Continental Flying Spur insurance on your last policy there may be better deals available now. There are a lot of ways to save on insurance on the internet, but we’re going to give you some excellent ideas to lower your insurance rates.

Cheap car insurance price quotes

Finding cheaper car insurance rates is not rocket science. All you need to do is spend a few minutes comparing free car insurance quotes to find the company with cheaper car insurance quotes. It’s really simple and can be done in several different ways.

1. If you don’t have a lot of time, the easiest way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for boring form submissions for each price estimate. In just a few minutes this one form gets rate comparisons from car insurance companies with the best prices.It’s the quickest way to get rates.
2. A slightly less efficient method to analyze rates requires visiting the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let’s assume you want to view quotes from Nationwide, Liberty Mutual and GMAC. To get rate quotes you would need to navigate to each company’s site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
3. The hardest method to comparison shop rate quotes is actually driving to each insurance agency near you. Doing it all online makes this unnecessary unless you have a need for the advice and guidance of a local agency. It is possible with some companies comparison shop your insurance online but have a local agent actually write the policy.

Whichever method you choose, try to use exactly the same coverage information for each quote you get. If you enter higher or lower deductibles it will be nearly impossible to determine the lowest rate for your Bentley Continental Flying Spur.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether you might need an agent’s assistance.

• Does my personal policy cover me when driving out-of-state?
• Am I covered when driving someone else’s vehicle?
• When should I not file a claim?
• Do I need an umbrella policy?
• Do I have any recourse if my insurance company denies a claim?
• Should I buy more coverage than the required minimum liability coverage?
• Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Insurance coverage breakdown

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

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, crashing into a ditch, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like EMT expenses, rehabilitation expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

UM/UIM Coverage – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are identical to your policy’s liability coverage.

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

Comprehensive can pay for claims such as damage from a tornado or hurricane, hail damage, a broken windshield and hitting a deer. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance – This coverage will cover damage that occurs to other people or property in an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like funeral expenses, structural damage, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.