Save on 2003 Bentley Continental Car Insurance Rates

Searching for better auto insurance rates for your Bentley Continental? Overpriced Bentley Continental insurance can drain your checking account and make it hard to pay other bills. Comparing price quotes is free and is an excellent way to lower your monthly bill. Many auto insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute cheapest price

Compare Quotes for Insurance Coverage

Effectively comparing insurance coverage prices can take time and effort if you don’t utilize the most efficient way. You could waste time discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to get the quickest rates.

All the larger companies take part in a program where insurance shoppers complete one form, and at least one company returns a rated price for coverage. This prevents consumers from doing quote forms to each company.

To compare 2003 Bentley Continental rates now click here to start a free quote.

One minor caviat to using this type of form is you can’t choose which carriers to get quotes from. So if you want to select specific providers to request quotes from, we put together a list of companies who write insurance coverage in your area. Click to view list.

Whichever method you choose, be sure to compare apples-to-apples quote information with each company. If each company quotes different deductibles you will not be able to decipher which rate is best.

Bentley Continental premiums are determined by many factors

Consumers need to have an understanding of the factors that help determine the price you pay for insurance coverage. When you know what positively or negatively influences your rates enables informed choices that can help you get big savings.

  • Your car’s features help determine rates – Owning a car with an alarm system can get you a discount on your insurance coverage. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
  • Are you male or female? – The statistics show that women are safer drivers than men. However, don’t assume that men are worse drivers. Women and men tend to get into accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like reckless driving and DUI.
  • Mature drivers pay less – Mature drivers tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teenage drivers tend to be more careless in a vehicle and because of this, their insurance coverage rates are much higher.
  • Policy add-ons can waste money – There are a lot of add-on coverages that can waste your money on your insurance coverage policy. Coverages like vanishing deductibles, accident forgiveness and additional equipment coverage may be costing you every month. These may sound like a good investment when you first buy your policy, but now you might not need them so get rid of them and save.
  • Protect your assets with liability insurance – Your policy’s liability coverage provides coverage if you are found to be at fault for damages from an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • More claims means more premium – Auto insurance companies provide cheaper rates to policyholders who file claims infrequently. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Insurance coverage is designed for the large, substantial claims.

Do you qualify for discounts?

The cost of insuring your cars can be expensive, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but a few need to be specially asked for prior to receiving the credit. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Accident Forgiveness – Certain companies permit an accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Clubs and Organizations – Affiliation with a civic or occupational organization is a good way to get lower rates on insurance coverage on Continental insurance.
  • Air Bag Discount – Factory air bags may earn rate discounts of more than 20%.
  • Distant Student – Any of your kids who are attending college and do not have a car may qualify for this discount.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will help reduce your overall premium however.

For a list of insurers with the best insurance coverage discounts, click this link.

Don’t assume everyone needs the same coverage

When it comes to buying adequate coverage, there really is not a one size fits all plan. Every insured’s situation is different so this has to be addressed. For instance, these questions can help discover if your situation will benefit from professional help.

  • Does insurance cover damages from a DUI accident?
  • Am I covered if I break a side mirror?
  • Does my 2003 Bentley Continental qualify for pleasure use?
  • Can I still get insurance after a DUI?
  • I don’t drive much so do I pay less?
  • How much can I save by bundling my policies?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverages offered by auto insurance companies.

Comprehensive coverages – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, a tree branch falling on your vehicle, a broken windshield and theft. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage – This provides protection from damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, court costs, structural damage and funeral expenses. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, prosthetic devices, X-ray expenses, surgery and EMT expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability 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. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – Collision coverage pays for damage to your Continental from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a ditch, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Save for a rainy day

We just presented a lot of techniques to compare 2003 Bentley Continental insurance prices online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even find the biggest savings come from a small mutual company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.

As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice liability coverage limits only to regret that they should have had better coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Cheaper insurance can be found both online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not provide the ability to get a quote online and these small, regional companies work with independent agents.

More detailed insurance coverage information is located at these sites: