Save on 2002 Bentley Continental Insurance Quotes

Searching for cheaper car insurance rates for your Bentley Continental? No one in their right mind likes paying for car insurance, particularly when the cost is way too high.

You have so many auto insurance companies to buy insurance from, and though it is a good thing to have a choice, so many choices can make it hard to compare rates.

Finding affordable coverage is not that difficult. Basically, every vehicle owner who shops for car insurance stands a good chance to be able to find better rates. But drivers can benefit from knowing the methods companies use to market insurance on the web.

Verify you’re getting all your discounts

Companies do not list all available discounts very clearly, so here is a list both well-publicized and the harder-to-find insurance savings.

  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Passive Restraints – Vehicles with factory air bags can qualify for discounts of more than 20%.
  • Clubs and Organizations – Being a member of a civic or occupational organization is a good way to get lower rates when buying insurance for Continental coverage.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • No Claims – Claim-free drivers can earn big discounts compared to drivers who are more careless.
  • One Accident Forgiven – Certain companies permit an accident without raising rates if you are claim-free for a set time period.
  • Drivers Education – Require your teen driver to enroll in driver’s education in high school.
  • Homeowners Discount – Owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.

Consumers should know that many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, insurance companies aren’t that generous.

For a list of insurers with the best insurance discounts, click here.

Parts of the Bentley Continental rate equation

Consumers need to have an understanding of the different types of things that go into determining your insurance rates. Knowing what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

  • Optional equipment can affect rates – Owning a car with a theft deterrent system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
  • Older drivers pay less – More mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets. Teen drivers are known to get distracted easily when driving and because of this, their insurance rates are much higher.
  • Rates may be lower depending on your job – Occupations such as judges, architects and accountants are shown to have higher rates than average attributed to job stress and lots of time spent at work. On the flip side, occupations such as scientists, athletes and the unemployed pay the least for Continental coverage.
  • Add-on coverages can add up – There are a ton of add-on coverages that you can get tricked into buying if you aren’t careful. Insurance for vanishing deductibles, accidental death and term life insurance may be wasting your money. They may seem good at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Battle of the sexes – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Men and women are in accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as DWI and reckless driving.
  • Your location affects your rates – Residing in a small town is a positive aspect when talking about insurance. City drivers have more traffic problems and a longer drive to work. Fewer people means reduced accidents and also fewer theft and vandalism claims.
  • One company can mean more discounts – The majority of insurance companies give discounts to insureds who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. Even with this discount, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible.
  • Never let your coverage lapse – Driving with no insurance is a misdemeanor and insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, but being ticketed for driving with no insurance may earn you a license revocation or jail time.

When should I talk to an agent?

When it comes to buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out whether or not you will benefit from professional help.

  • When can I cancel my policy?
  • What are the best liability limits?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my camper covered by my car insurance policy?
  • Can I drive in Mexico and have coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What can I do if my company denied a claim?

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 agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Educate yourself about insurance coverages

Learning about specific coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Bentley Continental.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability insurance

This can cover damage that occurs to people or other property that is your fault. It protects you from claims by other people. Liability 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 liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like legal defense fees, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, a broken windshield, hitting a deer, damage from getting keyed and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for X-ray expenses, hospital visits and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

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

Collision insurance covers claims such as hitting a parking meter, backing into a parked car, crashing into a building and damaging your car on a curb. 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. You can also bump up the deductible in order to get cheaper collision rates.

Find Good Coverage for Less

As you restructure your insurance plan, do not buy poor coverage just to save money. There are a lot of situations where someone dropped liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Cheaper 2002 Bentley Continental insurance can be sourced on the web as well as from independent agents, so you should compare both to have the best selection. Some car insurance companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

In this article, we presented many tips how you can save on insurance. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. You may even discover the best prices are with a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

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