Cheaper 2008 Bentley Continental Flying Spur Car Insurance Rates

Trying to find better insurance prices for a Bentley Continental Flying Spur could be an all-consuming task, but you can use our car insurance buying tips and make it easy.

There is a better way to find car insurance online and you need to know the absolute fastest way to get price quotes for your Bentley and obtain the best price possible from local insurance agents and online providers.

It’s a good idea to do rate comparisons before your policy renews since insurance rates change quite often. Just because you found the lowest rates on Continental Flying Spur coverage on your last policy you can probably find a lower rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the fastest way to find great coverage at a great price.

Impacting insurance rates for a Bentley Continental Flying Spur

Smart consumers have a good feel for some of the elements that go into determining your auto insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with better auto insurance rates.

  • Safer cars are cheaper to insure – Vehicles with high crash test scores get lower rates. The safest vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Bentley earned at least four stars on you may qualify for a discount.
  • An active claims history can cost you – Car insurance companies generally give lower rates to people who do not rely on their insurance for small claims. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Teen drivers pay high rates – Teen drivers are known to be less responsible when behind the wheel so they pay higher auto insurance rates. Older insureds tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Pleasure use saves money – The more you drive every year the higher your rate. Almost all companies charge to insure your cars based on their usage. Cars that are left in the garage receive lower rates than those used for commuting. Verify your auto insurance policy is showing the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Continental Flying Spur can cost quite a bit.

Cheap Insurance Comparisons

Lowering your 2008 Bentley Continental Flying Spur insurance rates can be relatively painless. All you need to do is spend a little time comparing rates from different insurance companies. It is quite easy and can be accomplished in several different ways.

  1. The recommended way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating repetitive form entry for each company you want a rate for. A single form gets you coverage quotes from multiple companies. It’s the fastest way to compare.
  2. A different way to get comparison quotes is going to the website of each company to request a price quote. For examples sake, let’s assume you want rates from GEICO, Allstate and American Family. To find out each rate you need to go to every website to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  3. The least recommended way of comparing rate quotes is to spend your day driving to local insurance agencies. Shopping for insurance online has reduced the need for local agents unless you have a need for the professional guidance that only a license agent can provide. You can, however, comparison shop your insurance online but still have the advice of a local agent.

It’s up to you which method you use, but ensure you are comparing the exact same coverages with every price quote. If each company quotes unequal deductibles or liability limits you can’t possibly find the best deal for your Bentley Continental Flying Spur.

Save 15 percent in 15 minutes? Is it for real?

Consumers constantly see and hear ads for cheaper car insurance by State Farm and Allstate. All the companies say the same thing of big savings if you move to their company.

How can each company claim to save you money?

All the different companies can use profiling for the right customer they prefer to insure. An example of a profitable customer could possibly be over the age of 50, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don’t measure up to the requirements will have to pay more money which usually ends up with business going elsewhere. The ads say “people who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can make the claims of big savings.

Because of the profiling, it’s extremely important to get as many quotes as possible. Because you never know the company that will fit your personal profile best.

Companies offer discounts so take them!

The price of auto insurance can be rather high, buy you may qualify for discounts to help bring down the price. Some trigger automatically when you quote, but lesser-known reductions have to be asked about before they will apply. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Save with a New Car – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Continental Flying Spur coverage than drivers with accidents.
  • No Charge for an Accident – Certain companies allow you one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Auto/Home Discount – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Military Discounts – Having a deployed family member could mean lower rates.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will reduce your premiums.

To see a list of companies with the best insurance coverage discounts, click here.

Do I just need basic coverages?

When buying adequate coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions can aid in determining if you will benefit from professional help.

  • Is there coverage for injuries to my pets?
  • Does my 2008 Bentley Continental Flying Spur need full coverage?
  • Is a fancy paint job covered?
  • Does my car insurance cover rental cars?
  • What exactly is covered by my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I have newly-aquired coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Specifics of your auto insurance policy

Having a good grasp of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring.


This coverage protects you from damages or injuries you inflict on other’s property or people. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as repair costs for stationary objects, legal defense fees and loss of income. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for prosthetic devices, dental work, chiropractic care and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, hail damage and rock chips in glass. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

Collision insurance covers damage to your Continental Flying Spur resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Shop. Compare. Save.

Consumers switch companies for a number of reasons such as lack of trust in their agent, an unsatisfactory settlement offer, policy cancellation and even high prices. It doesn’t matter what your reason, finding a new auto insurance company can be pretty painless.

Affordable 2008 Bentley Continental Flying Spur insurance can be purchased online and with local insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

We just presented a lot of ways to shop for insurance online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with a lesser-known regional company.

Helpful information