2009 Bentley Continental Flying Spur Insurance Quotes

Having to pay for overpriced Bentley Continental Flying Spur insurance can take a big chunk out of your personal savings and put the squeeze on your family’s finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill. Insurance companies such as GEICO and Progressive continually bombard you with fancy advertisements and it is challenging if not impossible to see through the deception and do the work needed to find the best deal.

You should make it a habit to do rate comparisons on a regular basis because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates for Continental Flying Spur insurance six months ago there may be better deals available now. Starting now, block out anything you think you know about car insurance because you’re going to get a crash course in the only way to save money, get proper coverage and the best rates.

These discounts can lower your rates

Insuring your fleet can be pricey, but you may find discounts that you may not know about. A few discounts will automatically apply at quote time, but a few must be inquired about before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Safe Driver Discount – Safe drivers may save up to 50% more for Continental Flying Spur insurance than drivers with accidents.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Multiple Cars – Buying insurance for all your vehicles on the same car insurance policy qualifies for this discount.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Organization Discounts – Participating in certain professional organizations may earn a discount on your policy for Continental Flying Spur insurance.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a discount up to 10% for Continental Flying Spur insurance.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may earn approximately 10% to 15%.
  • Passive Restraint Discount – Vehicles with factory air bags can receive discounts of more than 20%.
  • Drivers Ed for Students – Have your child take driver’s ed class if it’s offered in school.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, car insurance companies aren’t that generous. But all discounts will bring down your premiums.

To see a list of insurers who offer car insurance discounts, click here.

Bentley Continental Flying Spur insurance premiums are calculated by many factors

An important part of buying insurance is that you know the different types of things that play a part in calculating insurance coverage rates. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

Shown below are some of the items that factor into prices.

  • Pleasure use or commuting – Driving more miles in a year the higher your rates will be. The majority of insurers apply a rate based on how the vehicle is used. Cars left parked in the garage qualify for better rates than vehicles that are driven to work every day. Improper usage on your Continental Flying Spur may be costing you. Make sure your insurance coverage coverage shows the proper vehicle usage.
  • Are you male or female? – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Women and men have accidents in similar percentages, but the male of the species cause more damage. Men also tend to have more aggressive citations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and are penalized with high insurance coverage rates.
  • Small claims can cost you – If you tend to file frequent claims, you can pretty much guarantee higher rates. Insurance companies generally give lower rates to insureds who do not rely on their insurance for small claims. Insurance coverage is intended for the large, substantial claims.
  • Do you have a high stress job? – Careers like real estate brokers, executives and financial analysts are shown to have higher average rates due to stressful work requirements and long work hours. Conversely, professions such as actors, engineers and retirees pay the least for Continental Flying Spur insurance.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores can get you lower premiums. Safer cars have better occupant injury protection and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders. If your Bentley is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • How credit affects insurance coverage rates – A driver’s credit rating is a huge factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower ratings. Therefore, if your credit can use some improvement, you could save money insuring your 2009 Bentley Continental Flying Spur by improving your credit score.
  • Multi-policy discounts can save money – Some companies will give a discount to policyholders who buy several policies from them. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s in your best interest to compare rates to ensure the best deal.

Different people need different coverages

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • What vehicles should carry emergency assistance coverage?
  • Will my insurance pay for OEM parts?
  • Why do I need rental car insurance?
  • Does my 2009 Bentley Continental Flying Spur need full coverage?
  • How much liability do I need to cover my assets?
  • What can I do if my company won’t pay a claim?
  • Do all my vehicles need collision coverage?
  • Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Do drivers who switch really save?

Consumers can’t get away from ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. They all seem to make the same claim about savings if you switch your policy.

How do they all make almost identical claims? This is how they do it.

Insurance companies have a preferred profile for the type of driver they prefer to insure. An example of a driver they prefer could possibly be between 25 and 40, has no driving citations, and chooses high deductibles. Any new insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who do not match this ideal profile will be quoted higher premiums and ends up with business not being written. The ads state “drivers who switch” not “people who quote” save that kind of money. This is how insurance companies can confidently advertise the savings.

This emphasizes why you need to get as many quotes as possible. You cannot predict the company that will provide you with the cheapest Bentley Continental Flying Spur insurance rates.

What insurance coverages do you need?

Knowing the specifics of insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on most insurance policies.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, hitting a deer, hitting a bird, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage 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 insurance covers claims like driving through your garage door, crashing into a building, colliding with a tree, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as bail bonds, emergency aid, attorney fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for dental work, hospital visits, funeral costs, prosthetic devices and chiropractic care. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Be a penny pincher

Discount 2009 Bentley Continental Flying Spur insurance is attainable both online as well as from independent agents, so you should compare both to have the best selection. A few companies don’t offer online price quotes and these small, regional companies work with independent agents.

We just presented many ways to save on insurance. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Drivers may discover the best price on car insurance is with a lesser-known regional company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Progressive or GEICO.

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