Finding the cheapest insurance for a Bentley Continental can normally be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to find auto insurance online and we’ll show you the quickest way to price shop coverage for a Bentley and get the cheapest rates.
If you are insured now or are just looking to switch companies, you can use these tips to find better prices and possibly find even better coverage. Locating the lowest cost insurance coverage is easy if you know what you’re doing. Drivers just need to understand the tricks to shop online.
All major auto insurance companies like Progressive, GEICO, Allstate and State Farm give price estimates online. This process is fairly straightforward as you simply enter the coverages you want as detailed in the form. Once you submit the form, the company’s rating system collects information on your driving record and credit history and returns a price.
Quoting online helps simplify price comparisons, but having to visit several different sites and fill out multiple forms is a big time waster. But it is imperative to get many rate quotes in order to find lower prices.
Rate comparisons made easy
A less time-consuming method to get multiple rate quotes uses just one form to return rates from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much simpler. As soon as you send your information, your coverage is rated and you can select any one of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. It just takes a couple of minutes and you will find out if you’re overpaying now.
To quickly find out what other companies charge, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend you copy coverages and limits just like they are on your policy. This ensures you will receive rate quotes using the exact same coverages.
Some providers don’t always publicize every discount very well, so the below list has both the well known and also the lesser-known credits available to bring down your rates.
A quick disclaimer, some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic.
The best insurance coverage companies and their possible discounts are shown below.
If you need the cheapest car insurance quotes, ask each company how you can save money. Some of the earlier mentioned discounts might not be offered everywhere. If you would like to see a list of insurance coverage companies that offer discounts, follow this link.
One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that help determine your premiums. If you have a feel for what influences your rates, this enables you to make decisions that could help you find big savings.
When choosing the best car insurance coverage, there is no cookie cutter policy. Everyone’s needs are different.
For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.
Consumers constantly see and hear ads that claim the cheapest car insurance rates by Progressive, GEICO, Allstate and State Farm. They all seem to advertise claims of big savings after switching to their company.
How do they all sell you cheaper insurance coverage? It’s all in the words they use.
Many companies quote their cheapest rates for the type of customer that earns them a profit. For example, a profitable customer may be a married male, has no tickets, and drives a lower-performance vehicle. Any customer that fits those parameters will probably get the lowest premium rates and is almost guaranteed to save money with a new company.
People who don’t meet these stringent criteria may be forced to pay higher prices and the customer buying from someone else. The trick is to say “drivers that switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can make those statements. This really drives home the point why you really need to compare rate quotes every year. It is impossible to predict which insurance companies will have better premium rates than you’re paying now.
Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Collision coverage pays for damage to your Continental caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as damaging your car on a curb, sideswiping another vehicle, crashing into a building, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as a broken windshield, falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Coverage for medical expenses
Med pay and PIP coverage kick in for short-term medical expenses for things like chiropractic care, EMT expenses, rehabilitation expenses and pain medications. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Bentley Continental.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Coverage for liability
Liability insurance protects you from damages or injuries you inflict on people or other property. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability can pay for things like pain and suffering, structural damage and bail bonds. How much liability should you purchase? That is up to you, but buy higher limits if possible.
Some insurance providers may not provide rate quotes online regional carriers only sell through independent insurance agencies. Budget-friendly insurance is possible from both online companies in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis.
When getting car insurance quotes online, it’s not a good idea to reduce needed coverages to save money. There have been many situations where someone sacrificed liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to buy a smart amount of coverage at the best price while still protecting your assets.
People leave their current company for any number of reasons including high prices, policy cancellation, not issuing a premium refund or even unfair underwriting practices. It doesn’t matter what your reason, choosing a new company is actually quite simple.