Save on 2012 Bentley Continental Flying Spur Insurance Rates

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.

What determines your Bentley Continental Flying Spur insurance premium

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.

  • Don’t let your coverage lapse – Driving your car without having proper coverage can get your license suspended and auto insurance companies will penalize you for letting your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a steep fine or even jail time.
  • Proper usage rating affects rates – The more you drive each year the higher your rates will be. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Autos used primarily for pleasure use receive lower rates than those used for commuting. Having the wrong rating on your Continental Flying Spur can result in significantly higher rates. Double check that your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
  • Liability coverage is peace of mind – Liability insurance is the coverage that protects you when you are found liable for personal injury or accident damage. It provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • Bad driving skills means higher rates – A bad driving record has a huge affect on how much you pay. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Just one moving violation can bump up the cost forty percent or more. If you have severe violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Men are more aggressive – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Men and women tend to get into accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as reckless driving.
  • Occupation reflects on rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, social workers and accountants tend to have higher rates than average because of job stress and lengthy work days. On the flip side, occupations such as scientists, athletes and performers receive lower rates on Continental Flying Spur insurance.
  • Clean credit earns discounts – Having a bad credit rating is a huge factor in your rate calculation. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit ratings. Therefore, if your credit rating can use some improvement, you could be paying less to insure your 2012 Bentley Continental Flying Spur by improving your credit score.
  • Special features that cut premiums – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.

Don’t miss these discounts

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.

  • Multi-car Discount – Buying coverage for more than one vehicle with the same company can get a discount on all vehicles.
  • Organization Discounts – Participating in a professional or civic organization could qualify you for a break when buying auto insurance on Continental Flying Spur insurance.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn a substantially lower rate.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current policy expires. It can save you around 10%.
  • No Charge for an Accident – Some insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a certain period of time.

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 might I need help?

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.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is upholstery damage covered by car insurance?
  • Should I carry comprehensive and collision coverage?
  • Can I get a multi-policy discount?
  • If my 2012 Bentley Continental Flying Spur is totaled, can I afford another vehicle?
  • Can I make deliveries for my home business?
  • When should my teen driver be added to my policy?
  • How much liability coverage do I need in my state?
  • Am I covered when using my vehicle for business?

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.

The coverage is in the details

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 protection

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.

Comprehensive coverage

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.

Save your hard earned cash

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: