2011 Bentley Continental Flying Spur Car Insurance Cost – 7 Savings Tips

Searching for lower auto insurance rates for your Bentley Continental Flying Spur? Did a good deal turn into an overpriced auto insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Due to the large number of choices, it is hard for the average consumer to choose a more affordable insurance company.

Buying car insurance is not that difficult. If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. But vehicle owners need to learn how big insurance companies market on the web and take advantage of how the system works.

Insurance quotes comparison

To find the best insurance quotes, there are several ways to compare quotes from companies that offer insurance in your state. The simplest method to do a complete rate comparison is to jump online and get quotes. It’s really quite simple and can be done in a couple minutes as outlined below.

1. If you don’t have a lot of time, the easiest way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This quick form prevents you from having to do repetitive form entry for each company you want a rate for. A single form gets you price quotes from multiple companies.
2. A more time consuming way to analyze rates requires a trip to the website for each individual company and get a separate price quote. For instance, we’ll pretend you need rates from Farmers, Allstate and Liberty Mutual. You would have to spend time going to each site individually and repeatedly type in your coverage information, and that’s why the first method is more popular.

   For a list of links to insurance companies in your area, click here.

The method you choose is up to you, but make absolute certain that you use the exact same quote information for every company. If you are comparing different limits and deductibles on each one it’s not possible to make an equal comparison. Quoting even small variations in coverage limits may result in a large different in cost. Just remember that comparing a large number of companies increases your odds of finding a lower rate than you’re paying now.

Find hidden discounts to get affordable insurance coverage quotes

Buying insurance coverage is not cheap, but you might find some hidden discounts that can drop the cost substantially. A few discounts will automatically apply when you quote, but a few must be asked about in order for you to get them.

• Sign Online – Some of the larger companies will provide an incentive for buying your policy over the internet.
• Resident Student – Any of your kids living away from home attending college and do not take a car to college could qualify for this discount.
• Clubs and Organizations – Being a member of qualifying clubs or civic groups is a simple method to lower premiums when getting a auto insurance quote.
• Smart Student Discounts – Being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
• Discount for Low Mileage – Driving less can qualify you for lower insurance coveragerates on the low mileage vehicles.
• Air Bag Discount – Vehicles with factory air bags or motorized seat belts can receive discounts of 20 to 30 percent.
• Accident-Free Discounts – Insureds who avoid accidents and claims have much lower rates compared to policyholders that have many claims.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, it doesn’t quite work that way.

For a list of providers that have a full spectrum of discounts, follow this link.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions may help you determine if your insurance needs would benefit from professional advice.

• Is my 2011 Bentley Continental Flying Spur covered for smoke damage?
• How do I buy GAP insurance?
• Can I rent a car in Mexico?
• Do I need PIP coverage since I have good health insurance?
• When can my company non-renew my policy?
• How do I insure my teen driver?
• Do I have any recourse if my insurance company denies a claim?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Detailed coverages of your car insurance policy

Knowing the specifics of car insurance can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on the average car insurance policy.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hail damage, rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

Collision coverage covers damage to your Continental Flying Spur resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses for ambulance fees, dental work, EMT expenses, surgery and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage 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. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverage

This coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things such as court costs, medical services, repair costs for stationary objects, legal defense fees and attorney fees. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.