2018 Bentley Bentayga Insurance Rates

Looking for cheaper car insurance rates for your Bentley Bentayga? I can’t think of anyone who fancies paying their premiums for car insurance, particularly when their premiums are through the roof.

Popular companies such as Geico, Farmers Insurance and State Farm persitently shower you with TV and radio ads and it can be hard to sift through the bull and take the time to shop coverage around.

How to shop insurance online

There are several ways of comparing price quotes from companies that offer insurance in your state. The easiest way by far to find the lowest 2018 Bentley Bentayga rates is simply to get online rate quotes. This is quite simple and can be completed in a couple minutes as outlined below.

• Without a doubt, the easiest way to find low rates is a comparison rater form (click to open form in new window). This method prevents you from having to do repetitive form entry for every company. In just a few minutes this one form gets prices estimates from several companies.
• A more difficult way to find better pricing requires a trip to each company’s website to complete their respective quote request forms. For sake of this example, let’s assume you want to compare Liberty Mutual, Farmers and GMAC. To do that, you would have to spend time going to each site individually to enter the same coverage data repeatedly, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

Whichever way you use, make sure you use identical information for each price quote. If the quotes have differing limits then you won’t be able to determine which company has the best rates. Having just a slight variation in insurance coverages can result in a big premium difference. Keep in mind that obtaining a wide range of quotes helps increase your odds of locating lower pricing.

Insurance policy discounts

Some insurance providers don’t necessarily list every discount they offer very well, so the following is a list of some of the more common as well as some of the hidden discounts that may be available.

• Distant College Student Discount – Youth drivers who attend college more than 100 miles from home and do not take a car to college could qualify for this discount.
• E-sign Discounts – A handful of insurance companies will give you a small discount for completing your application digitally online.
• Organization Discounts – Having an affiliation with a civic or occupational organization may earn a discount when shopping for insurance.
• Theft Deterent Discount – Cars with anti-theft systems help deter theft and therefore earn up to a 10% discount.
• Service Members Pay Less – Being deployed with a military unit could trigger a small discount.
• Multi-policy Discount – If you can bundle your auto and home insurance and insure them with the same company you could earn a discount of over 10 percent off each policy depending on the company.
• Defensive Driver – Participating in a defensive driving class could cut 5% off your bill depending on where you live.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it will make them better drivers and lower rates.
• Good Students Pay Less – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
• Save with a New Car – Insuring a new car is cheaper because new model year vehicles are generally safer.

One last thing about discounts, many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky.

The best insurance companies and some of the discounts are:

• 21st Century may include discounts for defensive driver, theft prevention, 55 and older, homeowners, and air bags.
• Progressive offers discounts for online quote discount, multi-vehicle, homeowner, continuous coverage, good student, and online signing.
• State Farm may offer discounts for driver’s education, Steer Clear safe driver discount, multiple policy, student away at school, good student, Drive Safe & Save, and accident-free.
• Nationwide policyholders can earn discounts including anti-theft, accident-free, multi-policy, defensive driving, easy pay, and family plan.
• Esurance offers discounts including renters, good student, paid-in-full, safety device, multi-car, Pac-12 alumni, and anti-lock brakes.
• The Hartford has discounts for air bag, good student, bundle, anti-theft, vehicle fuel type, and defensive driver.

If you are trying to find cheap auto insurance quotes, ask every insurance company how you can save money. Savings might not apply everywhere.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage, there is no perfect coverage plan. Every situation is different so this has to be addressed. Here are some questions about coverages that might point out whether you would benefit from professional advice.

• Can I drive in Mexico and have coverage?
• Is my trailer covered?
• Are there companies who specialize in insuring high-risk drivers?
• Do I need roadside assistance coverage?
• Am I covered if I crash into my own garage door?
• Do I pay less for low miles?
• Will I be non-renewed for getting a DUI or other conviction?
• How high should my medical payments coverage be?
• How high should my uninsured/underinsured coverage be in my state?
• Who is covered by my policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Car insurance policy specifics

Having a good grasp of your car insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most car insurance policies.

Uninsured and underinsured coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Bentley Bentayga.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverages – This coverage pays for damage to your Bentayga caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, hitting a mailbox, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for medical payments – Med pay and PIP coverage pay for expenses like X-ray expenses, hospital visits, surgery and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, rock chips in glass, damage from getting keyed and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance – Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like emergency aid, structural damage, bail bonds and funeral expenses. How much coverage you buy is your choice, but you should buy as much as you can afford.