Want the cheapest auto insurance rates for your Bentley Mulsanne? Sick and tired of scraping the payment together to insure your Bentley every month? You are no different than millions of other consumers. You have multiple insurance companies to pick from, and although it’s nice to be able to choose, too many choices makes it more difficult to compare rates.
Finding the best rates is not rocket science. If you have car insurance now, you will be able to lower your premiums substantially using this information. Drivers only need an understanding of the best way to shop their coverage around on the web.
Finding lower auto insurance rates can be quick and easy. The only requirement is to spend a few minutes on the computer getting comparison quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.
The single most time-saving way to find low rates is a comparison rater form like this one (opens in new window). This type of form keeps you from doing repetitive form submissions for each company you want a rate for. One form will return quotes from many national carriers.
A slightly less efficient method to shop for auto insurance online consists of going to the website for every company you want to comare to complete their respective quote request forms. For example, let’s assume you want rates from Allstate, Progressive and GMAC. To get each rate you have to take the time to go to each site to input your insurance information, which is why the first method is quicker.
For a list of links to insurance companies in your area, click here.
Which method you use is up to you, but make sure you use the exact same coverages and limits on every quote you get. If you are comparing higher or lower deductibles you will not be able to find the best deal for your Bentley Mulsanne.
Companies don’t always list every available discount in a way that’s easy to find, so we break down both the well known and the more hidden discounts you could be receiving. If you aren’t receiving every discount available, you’re just leaving money on the table.
As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.
For a list of insurance companies who offer insurance discounts, click here to view.
When buying the right insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.
Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverage types available from insurance companies.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like pain medications, X-ray expenses and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Liability car insurance – Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.
Liability can pay for claims such as medical services, attorney fees, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like hail damage, damage from getting keyed, damage from flooding, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverages – Collision coverage covers damage to your Mulsanne from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims like colliding with another moving vehicle, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.
When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut liability coverage limits only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible for the lowest price.
We just showed you a lot of techniques to get a better price on 2013 Bentley Mulsanne insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from some of the smallest insurance companies. They often have lower prices on specific markets compared to the large companies like Allstate, GEICO and Progressive.
More tips and info about insurance is available at these sites: