2003 Bentley Continental Car Insurance Quotes – 6 Policy Discounts

Want lower auto insurance rates for your Bentley Continental? Pretty sure you bought an underperforming, overpriced auto insurance policy? It’s a common feeling and there are many people just like you.

Multiple car insurance companies compete for your business, so it’s not easy to compare every provider to find the best rates possible.

Insurance coverage discounts help cut rates

Insurance coverage is easily one of your largest bills, but companies offer discounts that could drop your premiums quite a bit. A few discounts will automatically apply at the time you complete a quote, but some discounts are required to be inquired about before you will receive the discount.

  • Payment Method – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.
  • Military Deployment Discount – Being on active deployment in the military could be rewarded with lower prices.
  • Paperless Signup – A few larger online companies may give you up to $50 shop auto insurance on the internet.
  • Defensive Driver Discounts – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Data Collection Discounts – Drivers who elect to allow companies to analyze vehicle usage by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as the data is positive.

Keep in mind that many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

Large insurance coverage companies and their offered discounts include:

  • Geico has discounts for daytime running lights, five-year accident-free, membership and employees, multi-vehicle, defensive driver, and driver training.
  • USAA may offer discounts for military installation, annual mileage, multi-policy, family discount, safe driver, and driver training.
  • Progressive offers discounts for online signing, online quote discount, continuous coverage, homeowner, good student, and multi-policy.
  • American Family may include discounts for multi-vehicle, good student, defensive driver, TimeAway discount, Steer into Savings, and good driver.
  • Esurance may have discounts that include Pac-12 alumni, claim free, defensive driver, anti-lock brakes, anti-theft, and homeowner.
  • Farmers Insurance policyholders can earn discounts including alternative fuel, distant student, youthful driver, business and professional, and teen driver.
  • State Farm includes discounts for multiple policy, good student, driver’s education, Steer Clear safe driver discount, accident-free, and passive restraint.

If you want cheaper auto insurance quotes, ask each insurance company how many discounts you can get. A few discounts might not be available to policyholders in your state. To locate insurance companies with significant discounts, click here.

Quote insurance online

Comparing insurance rates can be a daunting task if you don’t know the fastest way to get free quotes. You could waste a few hours talking to local insurance agents in your area, or you could save time and use the web to quickly compare rates.

Most of the best insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each company can give them a price. This saves time by eliminating quote forms for each company.

To get comparison pricing now click here to start a free quote.

The one downside to using this type of form is that you can’t choose the insurers you want pricing from. If you would rather choose individual companies to receive pricing from, we have a page of insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just be sure to compare the exact same quote information for each comparison quote. If your comparisons have different data you will not be able to find the best deal for your Bentley Continental. Even a minor difference in insurance coverages may cause a big price difference. It’s important to know that quoting more increases the change that you will find the best price.

Which is the best auto insurance?

When it comes to choosing the best auto insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered if my car is in a flood?
  • How many claims can I have before being cancelled?
  • Is a blown tire covered by insurance?
  • Does my 2003 Bentley Continental need full coverage?
  • Do I pay less for low miles?
  • Should I have a commercial auto policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance myths debunked

Auto insurance providers like 21st Century, Allstate and State Farm continually stream ads on TV and radio. They all convey the message that drivers will save a bundle if you just switch to them. How does every company charge you a lower premium? It’s all in the words they use.

All the different companies provide the lowest rates for the type of driver that earns them the most money. For example, a driver they prefer might be described as between the ages of 40 and 55, has no prior claims, and drives a safe vehicle. Any person that fits those parameters will probably get cheap car insurance rates as well as cut their rates if they switch.

Consumers who don’t measure up to those standards must pay higher premiums and this results in business not being written. Company advertisements say “people that switch” not “all people who quote” will save that much if they switch. That’s the way insurance companies can confidently advertise the way they do. This really emphasizes why drivers must compare rate quotes every year. It is just not possible to predict which company will provide you with the cheapest rates.

Car insurance 101

Learning about specific coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Bentley Continental.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverage – Liability insurance will cover damages or injuries you inflict on other’s property or people. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as legal defense fees, pain and suffering, funeral expenses, court costs and medical services. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Collision – Collision insurance will pay to fix damage to your Continental resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, crashing into a building, crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for funeral costs, prosthetic devices, rehabilitation expenses, dental work and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, damage from flooding, a tree branch falling on your vehicle, hail damage and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

More comparisons equals lower rates

The cheapest 2003 Bentley Continental insurance is available both online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not offer online price quotes and usually these smaller providers prefer to sell through independent insurance agencies.

When searching for low cost auto insurance quotes, you should never buy poor coverage just to save money. In too many instances, an insured dropped collision coverage and learned later that the few dollars in savings costed them thousands. Your goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

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