2018 Bentley Mulsanne Car Insurance Cost

Want better insurance rates for your Bentley Mulsanne? Searching for lower priced insurance on the web is intimidating for people new to quoting and online price comparisons. With such a large choice of online companies, how are people able to have time to compare the different rates to find the cheapest available price?

Insurance coverage discounts are available to cut your rates

Some insurers do not list every available discount very well, so the list below contains a few of the more well known as well as the least known ways to save on insurance coverage.

  • Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Buy New and Save – Adding a new car to your policy can save up to 30% because newer models keep occupants safer.
  • Bundle and Save – If you combine your home and auto policies with the same insurance company you may save approximately 10% to 15%.
  • Military Deployment Discount – Being on active deployment in the military could be rewarded with lower rates.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up can save a little off the personal injury premium cost.
  • Low Miles Discount – Fewer annual miles on your Bentley could earn substantially lower rates.
  • Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction on Mulsanne coverage with select insurance companies.
  • Discount for Life Insurance – Select insurance companies reward you with better prices if you take out some life insurance in addition to your auto policy.
  • Distant Student Discount – Older children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.

We need to note that most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount should help lower your policy premium.

Some of the larger companies who may offer some of the discounts shown above include:

Before purchasing a policy, check with all companies you are considering how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in your area.

Everyone needs different insurance coverage coverages

When it comes to buying coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions may help you determine if your situation might need professional guidance.

  • Do I need PIP coverage since I have good health insurance?
  • Why am I required to get a high-risk car insurance policy?
  • What if I don’t agree with a claim settlement offer?
  • Are there companies who specialize in insuring high-risk drivers?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are my tools covered if they get stolen from my vehicle?
  • Does car insurance cover theft of personal property?
  • Will my rates increase for filing one claim?

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 lower rates from a local agent, complete this form.

Will you really save $440 on insurance?

Respected companies like Progressive, Geico, Allstate and State Farm continually stream ads in print and on television. All the companies tend to make the same promise that you can save just by moving your policy. But how can every company claim to save you money? It’s all in the words they use.

Insurance companies have underwriting criteria for the driver that will be a good risk. For instance, a driver they prefer might be over the age of 45, has no tickets, and does not commute to work. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and have a good chance to save if they switch.

Drivers who fall short of this ideal profile will probably have to pay a higher rate which results in the customer buying from someone else. The trick companies use is to say “people that switch” not “everybody who quotes” save that much. That’s the way companies can truthfully make the claims of big savings.

This emphasizes why you need to get a wide range of price quotes. You cannot predict the company that will fit your personal profile best.

Insurance specifics

Having a good grasp of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive protection

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, hitting a bird, rock chips in glass, a broken windshield and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

This coverage covers damage to your Mulsanne resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.


This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, structural damage, attorney fees, legal defense fees and emergency aid. How much coverage you buy is a personal decision, but buy as much as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Bentley Mulsanne.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like funeral costs, hospital visits and nursing services. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

A tidy conclusion

Cheaper 2018 Bentley Mulsanne insurance can be purchased on the web and from local agencies, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not have rates over the internet and these small insurance companies work with independent agencies.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. In many cases, drivers have reduced collision coverage and found out when filing a claim that it was a big error on their part. Your focus should be to get the best coverage possible at the best possible price while still protecting your assets.

In this article, we covered quite a bit of information on how to reduce 2018 Bentley Mulsanne insurance premium rates online. The key thing to remember is the more you quote insurance, the more likely it is that you will get a better rate. You may even discover the best price on insurance coverage is with a lesser-known regional company.

Even more information is available at these sites: