Lower Your 2011 Bentley Continental Supersports Convertible Insurance Cost

Want the cheapest insurance coverage rates for your Bentley Continental Supersports Convertible? Do you get exhausted from wondering where the money will come from to buy insurance coverage? Your situation is no different than the majority of other vehicle owners.

Big companies like Allstate and Progressive persitently shower you with catchy ads and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

You need to do rate comparisons every six months because insurance coverage prices go up and down regularly. Just because you found the lowest rate for Continental Supersports Convertible insurance six months ago you may be paying too much now. Ignore everything you know about insurance coverage because it’s time to teach you how to use the internet to find lower rates on insurance coverage.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Finding affordable coverage is quite easy. Nevertheless, consumers must comprehend how big insurance companies determine prices and take advantage of how the system works.

How to lower your auto insurance cost

To find inexpensive insurance coverage quotes, there are several ways of comparing rates from many available auto insurance companies in your state. The fastest way to compare rates is to jump online and get quotes. This can be done in just a few minutes using one of these methods.

  1. Experts agree that the best way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This style of form saves time by eliminating repetitive form submissions for every auto insurance company. One form submission will return price quotes from all major companies.
  2. A different way to analyze rates requires a visit to the website of each company and repeat the quote process. For sake of this example, let’s assume you want to get rates from Liberty Mutual, State Farm and Geico. In order to get each rate, you would have to navigate to each company’s site to input your insurance information, and that explains why we recommend the first method. To view a list of companies in your area, click here.
  3. The most time-consuming method to get price estimates is actually driving to local insurance agencies. Comparing rates online makes this unnecessary unless you prefer the peace of mind that only a licensed agent can provide. Some companies do allow you to get prices online but buy the policy through an agent.

You can use whichever method you prefer to find lower rates, just try to use exactly the same coverages for each quote you get. If you have different liability limits then you won’t be able to find the best deal for your Bentley Continental Supersports Convertible. Quoting even small variations in limits can mean a large discrepancy in price. And when price shopping your coverage, getting more free quotes will improve the odds of getting a lower rate than you’re paying now. Some smaller insurers to not give online rate quotes, so you need to compare quotes from the smaller companies as well.

Cheap insurance coverage quotes with discounts

Insurance coverage is not an enjoyable expense, but you may find discounts that you may not know about. Some discounts will apply at the time you complete a quote, but once in a while a discount must be requested specifically prior to receiving the credit. If you do not double check each discount possible, you could be saving more on your insurance coverage.

  • Distant College Student Discount – Kids who are enrolled in higher education away from home without a vehicle on campus can be insured at a reduced rate.
  • Clubs and Organizations – Belonging to qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for slightly better premium rates than normal.
  • Mature Driver Discount – Drivers that qualify as senior citizens can get reduced rates for Continental Supersports Convertible insurance.
  • Auto/Home Discount – If you combine your home and auto policies with the same insurance company you may save 10% to 20% off each policy.
  • Smart Student Discounts – This discount can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
  • Early Switch Discount – Some companies provide a discount for switching to them before your current policy expires. It can save you around 10%.
  • Lower Rates for Military – Being on active deployment in the military could mean lower premium rates.
  • Multi-car Discount – Buying coverage for multiple cars or trucks with the same company can reduce the rates for all insured vehicles.

Please keep in mind that most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, you won’t be that lucky. But all discounts will positively reduce the cost of your policy.

Auto insurance companies that may offer quotes with most of the discounts above include:

Double check with all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier might not be offered in your area. To view insurance coverage companies that can offer you the previously mentioned discounts, click here to view.

What determines Bentley Continental Supersports Convertible insurance rates?

The best way to find cheaper insurance is to take a look at the rating factors that go into determining the level of your policy premiums. If you know what impacts premium levels, this enables you to make decisions that can earn you much lower annual insurance costs.

  • More miles driven equals more premium – The more you drive your Bentley each year the more you’ll pay to insure your vehicle. Most insurance companies charge rates partially by how you use the vehicle. Cars left parked in the garage cost less to insure compared to those used for work or business. Having the wrong rating on your Continental Supersports Convertible may be costing you. Verify your insurance policy shows annual mileage.
  • What are good liability limits? – Liability coverage is the protection if a court rules you are at fault for physical damage or personal injury to other. Your policy’s liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Get cheaper rates if you’re married – Having a wife or husband may save some money on your insurance policy. It generally demonstrates drivers are more mature than a single person and it’s proven that being married results in fewer claims.
  • See if your company offers a multi-policy discount – Most companies afford lower prices to people that buy multiple policies. It’s known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to check prices from other companies to verify if the discount is saving money. Drivers may still find lower rates by buying insurance from a different company.
  • Eliminate extra policy coverages – There are quite a few additional extra coverages that sound like a good idea at the time if you aren’t diligent. Insurance for things like vanishing deductibles, better glass coverage, and motor club memberships are some examples. They may seem good at first, but if you have no use for them get rid of them and save.
  • Don’t get traffic citations – Drivers with clean records have lower premiums compared to drivers with tickets. Even a single chargable violation may increase your cost forty percent or more. Drivers who have gotten multiple violations such as reckless driving, hit and run or driving under the influence are required to prove financial responsibility with their state DMV in order to drive a vehicle legally.
  • Insurance prices and driver gender – Statistics demonstrate females are less aggressive when driving. Now that doesn’t mean men are worse drivers. Both genders are in fender benders at a similar rate, but the male of the species tend to have higher claims. Not only are claims higher, but men receive more costly citations like reckless driving and DUI. Young males tend to get in the most accidents so they pay the highest premiums.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique so your insurance needs to address that. These are some specific questions can aid in determining if your situation may require specific advice.

  • Will my rates increase for filing one claim?
  • Is my state a no-fault state?
  • Do I need added coverage for expensive stereo equipment?
  • Should I carry comprehensive and collision coverage?
  • Where can I get insurance after a DUI in my state?
  • How many claims can I have before being cancelled?
  • How can I find cheaper teen driver insurance?
  • Is my ex-spouse still covered by my policy?
  • Am I covered when using my vehicle for business?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Is there deception in advertising?

Well-known insurance companies like State Farm, Geico and Progressive consistently run ads on TV and radio. They all tend to make the same promise about how much you will save if you just switch to them. How can each company claim to save you money? You have to listen carefully.

All companies have an ideal profile for the type of customer that earns them the highest profit. An example of a profitable customer could possibly be over the age of 50, has no claims, and drives a car with an anti-theft system. Any person who fits that profile will probably get the lowest rates and will most likely save when they switch companies.

Potential customers who don’t measure up to these stringent criteria will be quoted a higher rate and business not being written. The ads say “people that switch” not “everybody who quotes” save that much when switching. That’s the way companies can advertise the way they do.

Each company has different criteria, so you really need to quote coverage with many companies. It is impossible to predict which insurance company will be your best fit.

Coverage specifics

Learning about specific coverages of your insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Liability insurance

This provides protection from damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like emergency aid, bail bonds, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills for EMT expenses, rehabilitation expenses, dental work, surgery and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision protection

Collision insurance will pay to fix damage to your Continental Supersports Convertible from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Bentley Continental Supersports Convertible.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

One last thing

You just read many ways to lower your 2011 Bentley Continental Supersports Convertible insurance prices. The key thing to remember is the more rate comparisons you have, the better likelihood of getting low cost insurance coverage. You may even find the most savings is with the least-expected company. Some small companies often have lower rates on specific markets as compared to the big name companies such as Allstate and Progressive.

As you quote insurance coverage, you should never buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your objective should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

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