Lower Your 2011 Bentley Continental Flying Spur Insurance Rates

Want cheaper insurance rates? Drivers have a choice when trying to find the best price on Bentley Continental Flying Spur insurance. You can either spend your time calling around to get rate comparisons or use the internet to find the lowest rates.

There are both good and bad ways to find insurance online and you need to know the proper way to quote coverages for your Bentley and find the lowest possible price either online or from local insurance agents.

Consumers need to take a look at other company’s rates occasionally because rates go up and down regularly. Even if you think you had the lowest price for Continental Flying Spur coverage last year there is a good chance you can find better rates now. Starting right now, ignore everything you know about insurance because you’re about to learn the easiest way to find lower rates on insurance.

If you have a policy now or need a new policy, you will benefit by learning to reduce the price you pay and still get good coverage. The purpose of this post is to let you in on the most effective way to quote insurance and some tricks to saving. Drivers only need an understanding of how to get comparison rates over the internet.

Save on 2011 Bentley Continental Flying Spur insurance

Car insurance is not cheap, buy you may qualify for discounts that many people don’t even know exist. Most are applied at the time of quoting, but a few need to be asked about before you get the savings. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Accident Forgiveness – Certain companies allow you one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Continental Flying Spur coverage than drivers with accidents.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Bentley could be rewarded with better rates on cars that stay parked.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Driver Safety – Completing a defensive driving course could cut 5% off your bill if you qualify.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.

Drivers should understand that most credits do not apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will cut the cost of coverage.

Car insurance companies that may have some of the above discounts are:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not be available in your area.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

These are some specific questions can help discover whether or not you would benefit from professional advice.

  • Do I need higher collision deductibles?
  • Is my dog or cat covered if injured in an accident?
  • At what point should I drop full coverage?
  • Why am I required to buy liability insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can my teen drive my company car?
  • Should I have a commercial auto policy?
  • Am I covered if I break a side mirror?
  • How do I file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Misconceptions in insurance advertisements

Consumers can’t ignore all the ads that promise big savings by companies like State Farm and Allstate. All the companies make an identical promise about savings after switching to them.

But how can every company make the same claim?

Different companies are able to cherry pick for the driver they prefer to insure. For instance, a profitable customer could possibly be between 25 and 40, is a homeowner, and has great credit. A driver who fits that profile receives the best rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who do not match these standards will have to pay higher rates which usually ends up with the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save money. That’s why companies can truthfully state the savings.

Because of the profiling, it is so important to get a wide range of price quotes. You cannot predict which company will fit your personal profile best.

Insurance policy coverages for a 2011 Bentley Continental Flying Spur

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, damaging your car on a curb, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive coverages – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, hitting a deer and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses such as prosthetic devices, nursing services and hospital visits. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Bentley Continental Flying Spur.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Auto liability – Liability coverage can cover damage or injury you incur to other people or property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like medical expenses, loss of income, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Pennies from heaven

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your focus should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Consumers who switch companies do it for many reasons like unfair underwriting practices, not issuing a premium refund, lack of trust in their agent and even being labeled a high risk driver. It doesn’t matter what your reason, finding a great new company can be pretty painless.

Lower-priced 2011 Bentley Continental Flying Spur insurance can be sourced from both online companies and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

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