2007 Bentley Continental Flying Spur Insurance Quotes

Are you tired of robbing Peter to pay Paul to pay insurance each month? You’re in the same situation as most other vehicle owners. Multiple auto insurance companies compete to insure your vehicles, so it can be very hard to choose a provider to get the lowest cost out there.

You need to get comparison quotes yearly because prices are variable and change quite frequently. Even if you got the lowest rates on Continental Flying Spur insurance last year you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance because I’m going to teach you how to use the internet to properly buy coverages and cut your premium.

Discounts for lower-cost car insurance rates

Companies don’t always publicize every policy discount in an easy-to-find place, so the list below contains a few of the more well known and the harder-to-find credits available to you. If you do not double check each discount possible, you are paying more than you should be.

  • Good Drivers – Accident-free drivers can save as much as half off their rates on Continental Flying Spur insurance than their less cautious counterparts.
  • Employee of Federal Government – Active or retired federal employment could qualify for a slight premium decrease on Continental Flying Spur insurance but check with your company.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
  • Sign Early and Save – Some car insurance companies give discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Theft Deterent System – Vehicles that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.

Remember that most credits do not apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it’s just not the way it works. Any amount of discount will cut your overall bill.

Companies and a partial list of their discounts are detailed below.

  • American Family includes discounts for early bird, TimeAway discount, good driver, defensive driver, accident-free, mySafetyValet, and good student.
  • Nationwide may include discounts for Farm Bureau membership, multi-policy, family plan, anti-theft, accident-free, and easy pay.
  • MetLife offers premium reductions for claim-free, defensive driver, good student, accident-free, good driver, multi-policy
  • 21st Century policyholders can earn discounts including good student, automatic seat belts, anti-lock brakes, air bags, student driver, and driver training.
  • Farmers Insurance has discounts for pay in full, early shopping, distant student, mature driver, and electronic funds transfer.
  • Allstate offers discounts for early signing, passive restraint, anti-theft, premier plus, FullPay discount, and teenSMART discount.

It’s a good idea to ask each insurance company to give you their best rates. Some discounts may not apply to policies in your state.

Which insurance coverage is cheapest?

There are multiple methods to compare insurance coverage prices and some are more efficient than others. You could spend your day driving to agents in your area, or you can stay home and use the web for quick rates.

Many of the larger companies participate in an industry program where prospective buyers enter their policy data once, and every company then returns a price quote based on that information. This prevents consumers from doing quote requests for each company you want a rate for.

To use this form to compare rates click here (opens in new window).

The only drawback to doing it this way is you cannot specify which companies to get pricing from. If you wish to select individual companies to compare rates, we have a listing of the cheapest insurance coverage companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just try to use equivalent coverage limits and deductibles on every price quote you get. If each company quotes different limits and deductibles on each one it will be very difficult to determine which rate is truly the best.

The Bentley Continental Flying Spur insurance cost equation

Smart consumers have a good feel for some of the elements that help calculate your insurance coverage rates. When you understand what determines base rates, this empowers consumers to make smart changes that may reward you with lower rates.

The following are some of the most common factors insurance coverage companies consider when setting premiums.

  • Big city or small town – Living in a rural area can save you money when insuring your vehicles. Residents of big cities have congested traffic and higher rates of accident claims. Fewer drivers translates into fewer accident claims and also fewer theft and vandalism claims.
  • Little extras can really add up – There are quite a few extra bells and whistles that you can get tricked into buying if you aren’t diligent. Things like coverage for rental cars, death and dismemberment, and additional equipment coverage are probably not needed. These coverages may sound good initially, but now you might not need them so remove them from your policy.
  • Cut premiums and deter theft – Owning a car with a theft deterrent system can help bring down rates. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft.
  • Insurance coverage rates and your vocation – Do you work in a high-stress field? Occupational choices like doctorsair traffic controllers and financial analysts generally pay higher rates than the rest of us because of high stress and lengthy work days. On the flip side, jobs such as farmers, engineers and homemakers pay the least on Continental Flying Spur insurance.
  • Physical damage deductibles are a factor – Protection for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Examples of covered claims are a dented fender, hitting a deer, and windstorm damage. Physical damage deductibles are how much you are required to pay before a claim is paid by your company. The more damage repair cost you’re willing to pay, the lower your rates will be on Continental Flying Spur insurance.
  • Multi-policy discounts can save money – Most major insurers afford better rates to people who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount, you still need to get quotes from other companies to guarantee you are still saving the most.
  • Safer the car lower the rate – Cars with high safety ratings get lower rates. Safer cars protect occupants better and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If the Bentley Continental Flying Spur earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Liability is critical – Your insurance coverage policy’s liability coverage will afford coverage when a court rules you are at fault for personal injury or accident damage. Your liability coverage provides you with a defense in court to attempt to prove you were not liable. Liability is cheap compared to comp and collision, so buy as much as you can afford.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might point out if your insurance needs may require specific advice.

  • When should I drop full coverage on my 2007 Bentley Continental Flying Spur?
  • Does liability extend to a camper or trailer?
  • Where can I get insurance after a DUI in my state?
  • Is there coverage for injuries to my pets?
  • If my 2007 Bentley Continental Flying Spur is totaled, can I afford another vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is pleasure use cheaper than using my 2007 Bentley Continental Flying Spur to commute?
  • When should I not file a claim?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Switch companies and save? Really?

Consumers can’t get away from all the ads that claim the lowest prices by companies like State Farm, Allstate and Geico. They all advertise the message that people will save just by moving your coverage to them.

That’s great but how can every company offer drivers better rates? Here is the trick they use.

Insurance providers have strict underwriting profiles for the type of driver that earns them the highest profit. One example of a desirable risk may need to be over the age of 35, has no driving citations, and drives newer vehicles. Any customer that matches those criteria receive the lowest rate quotes and will probably save a lot if they switch.

Potential insureds who are not a match for this ideal profile will be quoted a higher rate which leads to the driver buying from a lower-cost company. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” save that much money. This is how companies can truthfully make those statements. Different companies use different criteria so you really should get as many free auto insurance quotes as possible. Because without a comparison, you cannot know which insurance companies will have the best rates.

Auto insurance coverage information

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most auto insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2007 Bentley Continental Flying Spur.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as driving through your garage door, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for liability

Liability insurance will cover damage or injury you incur to a person or their property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as medical services, repair costs for stationary objects and pain and suffering. How much coverage you buy is your choice, but you should buy higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage pay for bills such as doctor visits, X-ray expenses, funeral costs, prosthetic devices and chiropractic care. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, falling objects, damage from a tornado or hurricane and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Get your money’s worth

In this article, we covered some good ideas how to shop for 2007 Bentley Continental Flying Spur insurance online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting affordable auto insurance. You may even find the most savings is with some of the lesser-known companies. They may cover specific market segments cheaper as compared to the big name companies such as State Farm, Geico and Nationwide.

Cost effective 2007 Bentley Continental Flying Spur insurance is definitely available online in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some companies may not offer online rate quotes and these small, regional companies prefer to sell through local independent agents.

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