Compare 2017 Bentley Mulsanne Insurance Cost

Cutting costs on insurance coverage is always quite difficult for drivers who are new to quoting coverage prices online. Drivers have so many choices that it can be a difficult mission to compare prices.

Lower-cost auto insurance rates with discounts

Not many people think insurance is cheap, but there may be some discounts to cut the cost considerably. Some trigger automatically when you complete an application, but some must be asked about before you get the savings. If you do not double check each discount you deserve, you’re just leaving money on the table.

  • One Accident Forgiven – Not a discount per se, but some insurance companies allow you one accident before they charge you more for coverage if you have no claims for a particular time prior to the accident.
  • Telematics Discount – People who choose to allow their auto insurance company to study where and when they drive by using a telematics device in their vehicle like Allstate’s Drivewise might see lower rates if they are good drivers.
  • Senior Citizen Rates – If you’re over the age of 55, you may receive a small decrease in premiums on Mulsanne coverage.
  • Discounts for Cautious Drivers – Accident-free drivers can pay as much as 50% less on Mulsanne coverage than drivers with accidents.
  • Early Renewal Discounts – Some companies reward drivers for buying a new policy prior to the expiration date on your current policy. You could save around 10% when you buy insurance coverage online.
  • Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you could save up to 5%.
  • Active Service Discounts – Being deployed with a military unit could mean lower premium rates.

It’s important to understand that some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. Even though the math looks like you could get a free auto insurance policy, that’s just not realistic.

A few popular companies and a selection of discounts can be found below.

  • State Farm has discounts for anti-theft, Drive Safe & Save, good student, Steer Clear safe driver discount, accident-free, good driver, and multiple policy.
  • Progressive offers premium reductions for good student, multi-policy, multi-vehicle, online quote discount, and continuous coverage.
  • Travelers offers discounts for good student, continuous insurance, new car, payment discounts, student away at school, and early quote.
  • American Family policyholders can earn discounts including good driver, multi-vehicle, TimeAway discount, good student, and air bags.
  • Liberty Mutual offers discounts including exclusive group savings, new vehicle discount, teen driver discount, good student, multi-car, and new graduate.

Check with all companies you are considering how many discounts you can get. Some credits may not be available in your area.

The Bentley Mulsanne insurance premium equation

Many factors are considered when quoting car insurance. Some are obvious like a motor vehicle report, but other criteria are more obscure such as your credit history or your financial responsibility.It’s important that you understand the rating factors that are used to determine your insurance rates. If you have some idea of what influences your rates, this enables you to make decisions that can earn you big savings.

  • Do you really need the extra coverages? – There are a lot of extra coverages that can waste your money if you aren’t careful. Add-on coverages like vanishing deductibles, accidental death, and term life insurance may not be needed and are just wasting money. You may think they are a good idea when you first buy your policy, but if you have no use for them consider taking them off your policy.
  • Poor credit rating equals high premiums – Having a good credit rating will be a significant factor in determining premium rates. So if your credit rating is low, you could be paying less to insure your 2017 Bentley Mulsanne by improving your credit score. People that have very good credit scores tend to be better drivers and file fewer claims as compared to drivers with worse credit.
  • Deter theft and save – Owning a car that has an advanced theft prevention system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder vehicle theft.
  • Age of drivers – Drivers with little experience are statistically proven to be inattentive and easily distracted when behind the wheel so they pay higher insurance rates. Older drivers are proven to be safer behind the wheel, file fewer claims and are safer drivers.

Tailor your insurance coverage coverage to you

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help you determine if you may require specific advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Are rental cars covered under my policy?
  • Will my rates increase for filing one claim?
  • Am I covered when driving on a suspended license?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I buy additional glass protection?
  • Do I have coverage when using my vehicle for my home business?
  • Am I better off with higher deductibles on my 2017 Bentley Mulsanne?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance advertisements

Insurance companies such as Progressive, GEICO, Allstate and State Farm seem to constantly run ads on television and other media. They all seem to advertise the message about savings after switching to their company. How can each company make the same claim? This is how they do it.

All companies look for specific characteristics for the driver that is profitable for them. For example, a preferred risk could be a female over age 40, has a clean driving record, and chooses high deductibles. A propective insured who matches that profile will probably get cheap premium rates and most likely will save a lot of money.

Potential insureds who don’t measure up to the requirements may be forced to pay a higher rate and this results in the customer buying from a different company. If you pay attention, the ads say “customers who switch” not “all people who quote” save money. That’s why companies can truthfully claim big savings.

This really emphasizes why it’s extremely important to get a wide range of price quotes. You cannot predict the company that will fit your personal profile best.

What auto insurance coverages do you need?

Understanding the coverages of auto insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Bentley Mulsanne.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages do not exceed the liability coverage limits.

Collision protection

This covers damage to your Mulsanne caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, hitting a mailbox, sustaining damage from a pot hole, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, hail damage, a broken windshield and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like surgery, pain medications, ambulance fees, rehabilitation expenses and doctor visits. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This provides protection from damages or injuries you inflict on a person or their property. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use 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 like attorney fees, repair costs for stationary objects, pain and suffering, medical services and emergency aid. How much coverage you buy is up to you, but consider buying higher limits if possible.

Compare but don’t skimp

We just covered many ways to get a better price on 2017 Bentley Mulsanne insurance. The key concept to understand is the more times you quote, the better your chances of lowering your auto insurance rates. Drivers may discover the best rates are with a smaller regional carrier.

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There are many occasions where someone dropped liability coverage limits and learned later that the savings was not a smart move. Your goal is to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

Some car insurance companies may not offer the ability to get a quote online smaller providers work with local independent agents. Budget-friendly car insurance can be sourced from both online companies and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis.

Additional information can be found at the links below