Looking for the cheapest insurance rates for your Bentley Continental Flying Spur? Have you had enough of paying out the nose to insure your Bentley every month? You’re in the same situation as many other consumers.
Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest price
It’s important to price shop coverage quite often due to the fact that insurance rates tend to go up over time. Just because you found the lowest price on Continental Flying Spur insurance a couple years back there is a good chance you can find better rates now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to one of the best ways to find the best coverage while lowering your premiums.
An important part of buying insurance is that you know the factors that go into determining your auto insurance rates. Understanding what influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.
Listed below are some of the factors that factor into rates.
Insurance can cost an arm and a leg, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but less common discounts must be inquired about prior to receiving the credit.
A little note about advertised discounts, most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will reduce your premiums.
Insurance companies that may offer these money-saving discounts are:
It’s a good idea to ask every prospective company which discounts you may be entitled to. All car insurance discounts may not apply in your area.
When it comes to buying adequate coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you would benefit from professional advice.
If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Understanding the coverages of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.
Uninsured/Underinsured Motorist coverage
This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Bentley Continental Flying Spur.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like doctor visits, prosthetic devices and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like damaging your car on a curb, scraping a guard rail, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Liability car insurance
This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability insurance covers things such as funeral expenses, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.
This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as vandalism, theft, rock chips in glass, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
In this article, we covered some good ideas how you can save on 2012 Bentley Continental Flying Spur insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.
As you prepare to switch companies, do not skimp on coverage in order to save money. There have been many situations where drivers have reduced collision coverage only to regret that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at an affordable rate while not skimping on critical coverages.
Additional insurance information can be read below: