2017 Bentley Continental Insurance Rates

Buyers have many options when searching for the best price on Bentley Continental insurance. You can either waste hours contacting agents getting price quotes or utilize the internet to compare rates.

There is a better way to shop for auto insurance so we’re going to tell you the quickest way to compare rates on a Bentley and obtain the cheapest rates from local insurance agents and online providers.

This information will tell you how to effectively get price quotes and some tricks to saving. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Drivers just need to know the proper methods to find the lowest price online.

Compare insurance rates

There are several ways to compare insurance quotes, but some are more efficient than others. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you could save time and use the internet to get prices fast.

Most of the best insurance companies take part in a program that allows shoppers to only type in their quote data once, and each participating company can provide price quotes based on that information. This saves time by eliminating form submissions to each company. To use this form to compare rates click to open in new window.

One minor caviat to doing it this way is that consumers can’t choose the providers you will receive quotes from. If you prefer to choose individual companies for rate comparison, we have a page of low cost insurance companies in your area. Click to view list.

The approach you take is up to you, just compare equivalent coverages and limits for every quote you compare. If your comparisons have different data it will be nearly impossible to determine the lowest rate for your Bentley Continental.

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Insurance ads are enticing

Consumers can’t escape the ads for cheaper insurance by Allstate, Geico and Progressive. They all seem to make an identical promise about savings if you change to them.

How does every company charge you less for car insurance?

Most companies have specific guidelines for the type of insured that makes them money. For instance, a desirable insured could be between the ages of 30 and 50, has had continuous coverage, and chooses high deductibles. A propective insured who fits that profile receives the best premium rates and will most likely pay quite a bit less when switching companies.

People who may not quite match the ideal profile may receive higher premiums and this results in the customer buying from someone else. The wording the ads use say “drivers that switch” but not “everyone who gets a quote” save that kind of money. That’s why companies can claim big savings.

This illustrates why you need to compare many company’s rates. It’s impossible to know which insurance company will give you lower prices than your current company.

Lower-cost insurance coverage rates with discounts

Not many people think insurance is cheap, but you may find discounts that could drop your premiums quite a bit. Some discounts will apply when you complete an application, but some may not be applied and must be requested specifically before you get the savings.

• Organization Discounts – Having an affiliation with qualifying clubs or civic groups may earn a discount on your next renewal.
• Good Student Discount – Maintaining excellent grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
• Pay Early and Save – By paying your entire bill at once as opposed to paying monthly you can avoid monthly service charges.
• Air Bags and Passive Restraints – Options like air bags or automatic seat belts could see savings up to 30%.
• Active Military Service – Being on active duty in the military could mean lower premium rates.

One last thing about discounts, most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Companies and their offered discounts are shown below.

• 21st Century has savings for air bags, teen driver, theft prevention, student driver, anti-lock brakes, and automatic seat belts.
• Progressive offers discounts including online quote discount, homeowner, multi-policy, good student, online signing, and multi-vehicle.
• State Farm may have discounts that include anti-theft, passive restraint, multiple policy, Steer Clear safe driver discount, good student, student away at school, and multiple autos.
• Nationwide has discounts for Farm Bureau membership, family plan, defensive driving, anti-theft, good student, and business or organization.
• Esurance discounts include anti-lock brakes, online shopper, DriveSense, defensive driver, good driver, safety device, and anti-theft.
• The Hartford offers premium reductions for bundle, defensive driver, anti-theft, good student, driver training, and air bag.

If you need lower rates, check with every prospective company to apply every possible discount. Discounts might not be offered in your area. To locate insurers that offer multiple discounts, click here.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Every situation is different.

For instance, these questions might help in determining whether your personal situation could use an agent’s help.

• Can my teen driver be rated on a liability-only vehicle?
• What if I don’t agree with a claim settlement offer?
• Does car insurance cover theft of personal property?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is extra glass coverage worth it?
• Who is covered by my policy?
• Is my vehicle covered by my employer’s policy when using it for work?
• Should I put collision coverage on all my vehicles?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

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Parts of your auto insurance policy

Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Uninsured and underinsured coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include 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 liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as funeral costs, pain medications and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage covers damage to your Continental resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as scraping a guard rail, colliding with another moving vehicle, driving through your garage door, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a broken windshield, damage from getting keyed, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

Liability coverage can cover damage that occurs to other’s property or people. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like attorney fees, emergency aid, repair costs for stationary objects, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Save your cold hard cash

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. In many instances, drivers have reduced full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Lower-priced car insurance can be sourced on the web as well as from independent agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some car insurance companies may not offer rates over the internet and these smaller providers only sell through local independent agencies.

People leave their current company for any number of reasons including lack of trust in their agent, unfair underwriting practices, denial of a claim or policy cancellation. No matter why you want to switch, switching companies is actually quite simple.

To read more, feel free to browse the articles below:

• Vehicle Safety Ratings (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Alcohol Impaired Driving FAQ (iihs.org)

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