2008 Bentley Continental Flying Spur Car Insurance Rates

Want lower insurance rates for your Bentley Continental Flying Spur? Are you kicking yourself for buying overpriced insurance? It’s quite common and there are many consumers feeling the pinch from expensive insurance. Multiple insurers compete for your business, and because of this it can be hard to compare insurers and get the definite best rates possible.

It is always a good idea to get comparison quotes once or twice a year because insurance rates are constantly changing. Just because you had the best rate for Continental Flying Spur coverage last year you can probably find a lower rate today. Block out anything you think you know about insurance because you’re about to learn the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

Insurance quotes and discounts

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that can dramatically reduce your bill. Some of these disounts will be visible when you complete an application, but lesser-known reductions have to be specifically requested before they will apply. If you’re not getting every credit you qualify for, it’s possible you qualify for a lower rate.

  • Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Full Payment Discount – By making one initial payment rather than spreading payments over time you may have a lower total premium amount.
  • Resident Student – Kids who are enrolled in higher education away from home and do not have a car could qualify for this discount.
  • Government Employees – Active or former government employment could cut as much as 10% off for Continental Flying Spur coverage with some insurance companies.
  • First Accident Forgiveness – Not necessarily a discount, but companies like State Farm and Allstate will allow you to have one accident before your rates go up with the catch being you have to be claim-free for a set time period.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.

One last thing about discounts, some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, you won’t be that lucky.

A list of insurance companies and a selection of discounts are detailed below.

  • Geico has discounts for driver training, anti-lock brakes, seat belt use, federal employee, good student, and daytime running lights.
  • MetLife offers premium reductions for good student, claim-free, good driver, defensive driver, and multi-policy.
  • State Farm offers discounts for defensive driving training, multiple autos, good driver, accident-free, driver’s education, Steer Clear safe driver discount, and anti-theft.
  • Progressive may include discounts for multi-policy, good student, online signing, online quote discount, and continuous coverage.
  • Mercury Insurance policyholders can earn discounts including location of vehicle, multi-car, annual mileage, accident-free, and good driver.
  • 21st Century may offer discounts for early bird, 55 and older, good student, defensive driver, and automatic seat belts.
  • Allstate offers discounts including teenSMART discount, good student, auto/life discount, economy car, eSmart discount, new car, and early signing.

When quoting, ask every prospective company how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in your area. To locate insurers that offer some of these discounts, click this link.

Shop insurance coverage online

There are a lot of ways to shop for insurance coverage, and some are less time-consuming than others. You could waste time talking to agents in your area, or you can utilize the web for quick rates.

Most major companies participate in a marketplace where prospective buyers send in one quote, and each participating company provides a quote. This eliminates the need for quote requests for each company.

To find out how much you’re overpaying now click here (opens in new window).

The single downside to pricing coverage this way is buyers cannot specifically choose which providers you will receive quotes from. So if you want to select specific insurance companies to compare, we have a listing of low cost insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you are using the exact same quote data with every price quote. If you have different data it will be nearly impossible to decipher which rate is best.

Situations that may require an agent’s advice

When it comes to buying the best car insurance coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different so your insurance should reflect that For example, these questions can help discover whether your personal situation would benefit from professional advice.

  • When can my company non-renew my policy?
  • What is PIP insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my state a no-fault state?
  • Should I have a commercial auto policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk 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. It’s fast, free and can help protect your family.

Specifics of your auto insurance policy

Having a good grasp of a auto insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average auto insurance policy.

UM/UIM Coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision coverage protection

Collision 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 have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, scraping a guard rail, rolling your car, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses such as pain medications, EMT expenses and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability coverage

This will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as bail bonds, structural damage, medical services, emergency aid and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, fire damage and theft. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

More choices the merrier

While you’re price shopping online, never reduce needed coverages to save money. There have been many cases where drivers have reduced collision coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at an affordable rate and still be able to protect your assets.

You just learned quite a bit of information on how to save on 2008 Bentley Continental Flying Spur insurance. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding affordable car insurance. Consumers could even find that the best prices are with a small local company. These companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

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