2006 Bentley Continental Flying Spur Insurance Rates – 7 Tricks for Best Quotes

Have you had enough of paying out the nose to pay your auto insurance bill each month? You have the same problem as many other consumers. Big companies like Allstate, Progressive and Geico all promote huge savings with TV and radio ads and consumers find it hard to ignore the propoganda and take the time to shop coverage around.

How much is auto insurance?

Many insurance companies such as Geico, State Farm and Progressive give coverage price quotes on their websites. Comparing rates online is pretty easy as you just enter your coverage information as requested by the quote form. Upon sending the form, the quote system automatically retrieves reports for credit and driving violations and returns pricing information based on these factors. Being able to quote online helps simplify price comparisons, but the process of having to visit different websites and type in the same information gets old quite quickly. But it’s also necessary to perform this step in order to get a lower rate.

A more efficient way to lower your rates uses one form to return rates from several companies at one time. This type of form saves time, reduces the work, and makes quoting online much more efficient. After sending your information, it is rated and you can select your choice of the quotes that you receive. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. This process takes less than 15 minutes and may result in a nice savings.

In order to find out how much you can save on auto insurance, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you complete the form with deductibles and limits identical to your current policy. Doing this guarantees you will get an apples-to-apples comparison using the exact same coverages.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can aid in determining whether or not you would benefit from professional advice.

Am I getting all the discounts available?
How much underlying liability do I need for an umbrella policy?
When can my company non-renew my policy?
How can I get my company to pay me more for my totalled car?
When should I remove comp and collision on my 2006 Bentley Continental Flying Spur?
Do I need medical payments coverage since I have good health insurance?
What exactly is covered by my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Comprehensive coverages

This coverage covers 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 coverage pays for claims like damage from getting keyed, hitting a deer and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

This can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things such as bail bonds, medical services, court costs and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like funeral costs, prosthetic devices and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Bentley Continental Flying Spur.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Auto collision coverage

This coverage will pay to fix damage to your Continental Flying Spur caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.