Save on 2018 Bentley Continental Car Insurance Quotes

No normal person is fond of buying car insurance, in particular when the price is too high.

Drivers have multiple insurers to pick from, and although it’s a good thing to have multiple companies, it can be more difficult to find the lowest cost provider.

Finding the best rates is quite easy. Basically, every driver who has to buy car insurance will more than likely be able to cut their insurance bill. But consumers must know how companies market insurance on the web and take advantage of how the system works.

First Step: Get free car insurance quotes

Shopping for lower car insurance rates can be a daunting task if you don’t know the most efficient way. You could waste a few hours talking to agents in your area, or you can stay home and use the internet to achieve your goal.

Many insurance companies enroll in a system that allows shoppers to complete one form, and each company returns a rated price. This prevents consumers from doing quote forms for every car insurance company. To fill out one form to compare multiple rates now click to open in new window.

The only downside to doing it this way is you can’t choose which insurance companies you want pricing from. So if you want to choose individual companies to receive pricing from, we have a listing of companies who write car insurance in your area. View list of insurance companies.

It doesn’t matter which method you choose, just do your best to enter the same coverage information for each price quote. If you compare different coverage information it’s impossible to make an equal comparison. Quoting even small variations in insurance coverages may cause a big price difference. And when comparing car insurance rates, know that comparing more rates from different companies will improve the odds of getting the best price. Not every company does prices over the internet, so you should also compare quotes from them as well.

Insurance coverage discounts are available to lower your rates

Some insurers don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known ways to save on insurance coverage. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control are safer to drive and will save you 10% or more.
  • Senior Discount – Seniors can get reduced rates for Continental coverage.
  • Professional Memberships – Being a member of a civic or occupational organization is a good way to get lower rates on your next insurance coverage statement.
  • Active Military Service – Being deployed with a military unit may lower your rates slightly.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Claim Free – Claim-free drivers get the best insurance coverage rates as compared to drivers with a long claim history.
  • Driver Safety – Participating in a course in defensive driving can save you 5% or more and easily recoup the cost of the course.

It’s important to note that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. Even though the math looks like you could get a free insurance coverage policy, insurance companies wouldn’t stay in business. Any amount of discount should help reduce your premiums.

Popular insurance coverage companies and some of their more popular discounts can be read below.

  • State Farm may offer discounts for multiple autos, passive restraint, driver’s education, good driver, Steer Clear safe driver discount, student away at school, and anti-theft.
  • American Family may have discounts that include mySafetyValet, multi-vehicle, Steer into Savings, bundled insurance, and good student.
  • AAA offers discounts including education and occupation, anti-theft, pay-in-full, AAA membership discount, good student, and multi-car.
  • Geico has discounts for defensive driver, good student, seat belt use, air bags, and membership and employees.
  • Mercury Insurance offers discounts for low natural disaster claims, accident-free, location of vehicle, anti-theft, good driver, and type of vehicle.
  • Farmers Insurance discounts include business and professional, good student, alternative fuel, multi-car, electronic funds transfer, bundle discounts, and youthful driver.
  • Progressive has savings for online signing, continuous coverage, multi-policy, good student, multi-vehicle, and homeowner.

If you want cheap car insurance quotes, ask all the companies which discounts can lower your rates. Some discounts listed above might not be offered on policies everywhere. To see companies who offer cheap insurance coverage quotes, click here to view.

Everyone needs different insurance coverages

When choosing coverage, there is no single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

  • Do I need PIP coverage since I have good health insurance?
  • Are rental cars covered under my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving in Canada or Mexico?
  • Do I need replacement cost coverage on my 2018 Bentley Continental?
  • When would I need rental car insurance?
  • When do I need to add a new car to my policy?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance 101

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses such as X-ray expenses, EMT expenses, dental work, rehabilitation expenses and ambulance fees. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance will pay to fix damage to your Continental from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. 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 fire damage, falling objects, a broken windshield and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.


Liability insurance will cover damage or injury you incur to people or other property. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as attorney fees, loss of income, court costs and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2018 Bentley Continental.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.