Cheap 2009 Bentley Continental Flying Spur Insurance Cost

Having to pay for expensive Bentley Continental Flying Spur insurance can diminish your checking account and make it hard to pay other bills. Comparing cost estimates can lower your rates and help to lower your bills every month.

Drivers have so many auto insurance companies to choose from, and though it is a good thing to have a choice, it makes it harder to compare rates and find the lowest cost car insurance.

It’s smart to check car insurance prices periodically because car insurance prices are constantly changing. If you had the best price for Continental Flying Spur insurance a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to quote online to eliminate unnecessary coverages and save money.

Learn how to buy insurance for less

The best way to find cheaper insurance is to take a look at the factors that play a part in calculating the price you pay for insurance. If you have a feel for what influences your rates, this allows you to make educated decisions that can help you get cheaper rates.

The itemized list below are a few of the “ingredients” utilized by car insurance companies to help set prices.

  • Avoid insurance lapses – Having an insurance coverage lapse is a sure-fire way to increase your rates. And not only will insurance be more expensive, getting caught without coverage will get you fines and jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • How old are your drivers? – Beginning drivers tend to be careless and easily distracted when driving with friends so they pay higher insurance rates. Mature drivers are more responsible, tend to cause fewer accidents , and are generally more financially stable.
  • Rates and job – Did you know your occupation can influence how much you pay for insurance? Careers like judges, business owners and stock brokers tend to have higher average rates due to high stress levels and lots of time spent at work. On the flip side, jobs such as actors, historians and homemakers get better rates for Continental Flying Spur insurance.
  • Cars with good safety ratings that lower rates – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent vehicle theft.
  • Gals tend to cost less – Statistics demonstrate that females take fewer risks when driving. It does not mean women are BETTER drivers than men. Men and women cause at-fault accidents in similar numbers, but the men cause more damage. Men also statistically receive more costly citations like reckless driving and DUI. Young men ages 16 to 20 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Cheaper insurance rates for being claim-free – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies award the best rates to people who only file infrequent claims. Auto insurance is intended for claims that pose a financial burden.
  • Annual mileage and car insurance premiums – The more you drive in a year’s time the higher your rates will be. A lot of insurance companies rate vehicles based on how the vehicle is used. Vehicles that have low annual miles receive lower rates than cars that get driven a lot. An improperly rated Continental Flying Spur is throwing money out the window. It’s a smart idea to ensure your insurance coverage is showing the correct usage, because improper ratings can cost you money.
  • Your liability coverage limits – Liability insurance will provide protection if you are determined to be liable for personal injury or accident damage. It will provide legal defense starting from day one. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.

Compare free insurance price quotes

Performing a rate comparison is a ton of work if you don’t know the most efficient way to do it. You could waste time talking about coverages with insurance companies in your area, or you can stay home and use the internet for quick rates.

Most of the best insurance companies enroll in a system where prospective buyers only type in their quote data once, and at least one company can provide price quotes based on that information. This system prevents you from having to do quotation requests for every insurance company.

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

The only downside to comparing rates this way is buyers cannot specifically choose the providers you want to price. If you would rather choose specific insurance companies to compare, we have a page of insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare equivalent quote information on every price quote you get. If each company quotes different coverage information you can’t possibly get a fair rate comparison. Quoting even small variations in coverage limits may cause a big price difference. Just remember that comparing more company’s prices helps increase your odds of locating a better price.

Do you qualify for discount insurance coverage?

Car insurance companies don’t necessarily list all disounts very clearly, so below is a list some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

  • Telematics Devices – Drivers who agree to allow companies to track when and where they use their vehicle through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a small discount if you purchase auto and life insurance together.
  • Discount for Multiple Policies – If you can bundle your auto and homeowners insurance with the same company you could earn a discount of up to 20% off your total premium.
  • Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt can save up to 15% off PIP or medical payments premium.
  • Military Deployment Discount – Having a family member in the military can result in better rates.

Discounts lower rates, but most credits do not apply the the whole policy. Most cut individual premiums such as comprehensive or collision. Despite the appearance that you can get free auto insurance, you won’t be that lucky.

For a list of insurers with discount rates, click here to view.

What insurance coverages do I need?

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs might need an agent’s assistance.

  • Can I rate high risk drivers on liability-only vehicles?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will my insurance pay for OEM parts?
  • Does coverage extend to a rental car in a foreign country?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverages explained

Learning about specific coverages of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types found on the average car insurance policy.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as backing into a parked car, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Bentley Continental Flying Spur.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for rehabilitation expenses, X-ray expenses, dental work and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability insurance

This will cover injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as loss of income, emergency aid and medical expenses. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, hitting a bird, vandalism and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Don’t be a big spender

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an insured cut full coverage to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

We’ve covered some good ideas how you can get a better price on 2009 Bentley Continental Flying Spur insurance. The key concept to understand is the more times you quote, the better your comparison will be. You may even find the most savings is with a smaller regional carrier. These smaller insurers often have lower rates on specific markets as compared to the big name companies such as State Farm or Progressive.

Much more information about insurance coverage can be read on the following sites: