2001 Bentley Continental Insurance Quotes

No one in their right mind looks forward to buying insurance, especially when their premiums are too high. Popular companies such as Progressive, State Farm and Geico all claim big savings, bombarding you with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It’s a great practice to get comparison quotes at least once a year because prices change quite often. If you had the best price on Continental insurance a few years ago there may be better deals available now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the best methods to find the best coverage while lowering your premiums.

If you are insured now or are shopping for new coverage, you can learn to cut your premiums and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the tricks to compare company rates online.

The easiest way to compare rate quotes is to know the trick car insurance companies will pay a fee to compare rate quotes. To begin a comparison, all you need to do is give them rating details such as your job, the year, make and model of vehicles, if you require a SR-22, and if you have a valid license. The data gets sent immediately to many of the top insurers and you will receive price estimates instantly.

Companies offer discounts so take them!

Companies don’t always list all their discounts very well, so the following is a list of some of the best known and the more hidden insurance savings. If you don’t get every credit you deserve, you are throwing money away.

  • Defensive Driving Course – Taking a course teaching defensive driving skills could save 5% or more if you qualify.
  • Auto/Life Discount – Larger companies have a break if you buy a life insurance policy as well.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Organization Discounts – Belonging to a qualifying organization could trigger savings on insurance on Continental insurance.
  • Auto/Home Discount – If you have multiple policies with one company you will save approximately 10% to 15%.

Consumers should know that some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free insurance policy, you’re out of luck.

To see a list of companies who offer insurance discounts, follow this link.

Why your Bentley Continental might be costing you more

An important part of buying insurance is that you know the rating factors that play a part in calculating your auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Protect your assets with liability insurance – The liability section of your policy is the protection if ever a jury decides you are liable for damages from an accident. Liability insurance provides legal defense coverage starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • With age comes lower rates – More mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers. Young drivers have a tendency to be careless and easily distracted when driving and because of this, their auto insurance rates are much higher.
  • Men are more aggressive – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes are in accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as reckless driving.
  • Pleasure use saves money – Driving more miles in a year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates than those used for commuting. Make sure your auto insurance coverage is rated on the proper vehicle usage. Incorrect usage on your Continental may be costing you.
  • Too many auto insurance claims drive up costs – Insurance companies give better rates to policyholders who file claims infrequently. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Your spouse saves you money – Having a spouse actually saves money on auto insurance. Marriage usually means you are more mature and responsible and statistics show drivers who are married are more cautious.
  • Poor credit can mean higher rates – A driver’s credit rating is a huge factor in calculating your auto insurance rates. People with excellent credit tend to be more responsible than those with lower ratings. If your credit rating can use some improvement, you could be paying less to insure your 2001 Bentley Continental by spending a little time repairing your credit.
  • Add-on coverages can add up – There are a lot of extra coverages that you can buy on your auto insurance policy. Coverages like rental car reimbursement, towing coverage and membership fees may be costing you every month. They may seem like a good idea when you first buy your policy, but your needs may have changed so get rid of them and save.

Do I just need basic coverages?

When it comes to buying adequate coverage, there isn’t really a “best” method to buy coverage. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • How does medical payments coverage work?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?
  • Can I rent a car in Mexico?
  • Where can I find high-risk insurance?
  • Why am I required to buy liability insurance?
  • What happens if I owe more than my 2001 Bentley Continental is worth?
  • What is roadside assistance coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Auto insurance coverage information

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types available from auto insurance companies.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, a tree branch falling on your vehicle, a broken windshield and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, hitting a parking meter, crashing into a ditch, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance will cover damage or injury you incur to a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims like bail bonds, repair bills for other people’s vehicles, medical services and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, surgery, ambulance fees, rehabilitation expenses and hospital visits. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Have the Midas touch

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped collision coverage and found out when filing a claim that they should have had better coverage. The aim is to buy enough coverage for the lowest price while not skimping on critical coverages.

Discount 2001 Bentley Continental insurance can be found online and with local insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Additional auto insurance information is located at the links below