How Much Does 2012 Bentley Continental Supersports Convertible Insurance Cost?

Overwhelmed by the wide range of insurance coverage sources available to you? Many other drivers are too. There are so many choices that it can be a difficult challenge to locate the lowest rates.

The purpose of this article is to let you in on how to effectively get price quotes. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. But car owners must learn the way companies determine prices because it can help you find the best coverage.

Cheap car insurance

Most companies like Progressive, Geico, Allstate and State Farm give pricing online. This process doesn’t take much effort as you simply type in your coverage information into the quote form. When complete, their quoting system pulls credit information and your driving record and generates pricing information.

Online quotes helps simplify price comparisons, but the process of having to visit different websites and type in your information can be a bit repetitive. But it’s necessary to get many rate quotes in order to find the lowest price.

The preferred way to lower your car insurance bill is to use a quote form to return rates from many companies. This type of form saves time, eliminates repetitive work, and makes comparison shopping a little more enjoyable. Once the form is submitted, it is quoted and you can choose any one of the returned quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. It can be completed in a matter of minutes and may save quite a bit of money.

To compare rates using this form now, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend you complete the form with deductibles and limits identical to your current policy. This helps ensure you will receive comparison quotes based on similar coverages.

Lower-cost car insurance quotes with discounts

The price of auto insurance can be rather high, but you might find some hidden discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at quote time, but occassionally some discounts must be specifically requested before they will apply.

  • Telematics Data Discounts – Drivers who agree to allow their insurance company to monitor driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if their driving habits are good.
  • Own a Home – Just being a homeowner may earn you a small savings because owning a home requires a higher level of personal finance.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Multi-car Discount – Buying insurance for primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
  • Defensive Driver Discounts – Taking time to complete a defensive driver class can save you 5% or more if your company offers it.
  • Bundle and Save – If you can bundle your auto and home insurance with the same insurance company you could save 10% to 20% off each policy.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Early Payment Discounts – By paying your entire bill at once rather than spreading payments over time you could save 5% or more.

As is typical with insurance, most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works.

To view insurers offering car insurance discounts, follow this link.

Learn how to lower your insurance rates

When buying auto insurance it’s important to understand some of the factors that help calculate the price you pay for auto insurance. If you understand what determines premiums, this enables informed choices that will entitle you to lower premium levels. Many different elements are used when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are more transparent like where you live or how safe your car is.

The itemized list below are just a few of the factors that factor into your prices.

  • More traffic means higher claims – Having an address in a rural area has it’s advantages if you are looking for the lowest rates. Lower population translates into fewer accidents and also fewer theft and vandalism claims. People in densly populated areas regularly have more auto accidents and more severe claims. Higher commute times can result in more accidents.
  • Youthful drivers cost more – Teenage drivers have been known to get distracted easily when at the wheel of a vehicle so auto insurance rates are higher. Older, more experienced drivers are more cautious drivers, tend to file fewer claims and get fewer tickets.
  • Know your vehicle’s crash test rating – Safer cars are cheaper to insure. These vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and thus lower rates.
  • Consolidate and save – Most larger auto insurance companies afford discounts to buyers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s always a smart idea to comparison shop to confirm you are receiving the best rates possible.
  • Policy add-ons may be wasting money – Insurance policies have a lot of additional coverages that sound like a good idea at the time when buying auto insurance. Insurance for rental car reimbursement, towing, and motor club memberships are examples of these. They may sound like good ideas when talking to your agent, but your needs may have changed so get rid of them and save.
  • Prevent your car from being stolen – Choosing to buy a car with advanced anti-theft systems can save you some money. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent your car from being stolen.
  • Fewer miles means better premiums – The higher the miles on your Bentley in a year the more you will pay for auto insurance. Most companies charge rates based upon how you use the vehicle. Autos that have low annual miles qualify for better rates than cars that get driven a lot. It’s always a good idea to double check that your auto insurance policy is rated on the right rating data, because improper ratings can cost you money. An incorrectly rated Continental Supersports Convertible may be wasting your money.
  • Rates increase with driving citations – Your driving record impacts premiums far more than you think. Attentive drivers tend to pay less for car insurance as compared to careless drivers. Only having one speeding ticket can bump up the cost by twenty percent. Drivers who have gotten careless violations such as hit and run, DWI or reckless driving convictions are required to prove financial responsibility with the DMV in their state in order to continue driving.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if you would benefit from an agent’s advice.

  • Am I covered if I crash into my own garage door?
  • Is upholstery damage covered by car insurance?
  • Should I rate my 2012 Bentley Continental Supersports Convertible as pleasure use or commute?
  • Is my teenager covered with friends in the car?
  • I don’t drive much so do I pay less?
  • How many claims can I have before being cancelled?
  • What is an SR-22 filing?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverages and their meanings

Knowing the specifics of a insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, rock chips in glass and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage pays for damage to your Continental Supersports Convertible caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, sustaining damage from a pot hole, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for prosthetic devices, hospital visits, pain medications and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to people or other property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like funeral expenses, attorney fees, loss of income and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Bentley Continental Supersports Convertible.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Quote more, save more

Insureds who switch companies do it for many reasons like delays in responding to claim requests, being labeled a high risk driver, delays in paying claims or even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new company is actually quite simple.

Cheaper car insurance is definitely available on the web in addition to many insurance agents, so get free insurance quotes from both of them to get a complete price analysis. Some car insurance companies may not provide rates over the internet and usually these small insurance companies provide coverage only through independent agents.

We covered quite a bit of information on how to reduce 2012 Bentley Continental Supersports Convertible insurance prices online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising.

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