Sick and tired of not being able to afford to insure your Bentley every month? You’re in the same situation as millions of other consumers.
Insurance companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but a few need to be requested specifically prior to getting the savings.
Consumers should know that most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will reduce the cost of coverage.
For a list of insurance companies with the best auto insurance discounts, click here.
The quickest method we recommend to compare car insurance company rates is to know most of the larger companies actually pay money for the chance to give you rate quotes. The one thing you need to do is provide information such as your job, an estimate of your credit level, how much coverage you want, and how much school you completed. That information is sent automatically to multiple top-rated companies and you will receive price estimates within a short period of time.
Smart consumers have a good feel for the different types of things that play a part in calculating your auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to better auto insurance rates.
When choosing the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. For example, these questions might point out if your situation might need an agent’s assistance.
If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.
Understanding the coverages of insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like surgery, X-ray expenses, rehabilitation expenses and pain medications. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims like sustaining damage from a pot hole, damaging your car on a curb, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.
This protects you from damage or injury you incur to other people or property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability insurance covers claims like funeral expenses, legal defense fees, medical expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Bentley Continental Flying Spur.
Since 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. Usually these coverages do not exceed the liability coverage limits.
Comprehensive auto coverage
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like hail damage, rock chips in glass, hitting a deer, falling objects and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Lower-priced 2008 Bentley Continental Flying Spur insurance is available both online in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.
We covered a lot of information how to reduce insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers may even find the best price on insurance is with some of the smallest insurance companies. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.
Additional detailed information is available by following these links: