Save on 2015 Bentley Mulsanne Insurance Rates

Are you overwhelmed by the crazy number of auto insurance choices available to you? Vehicle owners have so many choices that it can quickly become a real difficult job to find the lowest price.

It’s a great practice to price shop coverage on a regular basis because auto insurance prices change quite often. Just because you found the best rate on Mulsanne coverage a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to get good coverage at a lower rate.

This article will let you in on how to effectively get price quotes and some tricks to saving. If you have car insurance now, you will be able to cut costs considerably using these tips. Nevertheless, drivers should learn how big insurance companies market insurance on the web.

How to compare car insurance quotes

When comparison shopping, there are several ways of comparing price quotes from car insurance companies in your area. The recommended way to find the cheapest Bentley Mulsanne insurance rates consists of obtaining rate quotes online. This is very easy and can be done in several different ways.

  1. Probably the best way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This style of form prevents you from having to do separate quote forms for each company. Filling out one form gets prices estimates direct from many companies. This is by far the quickest method.
  2. A slightly less efficient method to obtain and compare quotes online requires a trip to the website for each individual company and fill out their own quote form. For examples sake, let’s assume you want to compare Nationwide, Farmers and GMAC. To find out each rate you need to navigate to each company’s site to input your insurance information, and that explains why we recommend the first method. For a list of companies in your area, click here.

Whichever way you choose to compare rates, ensure you are comparing equivalent quote information with each company. If you are comparing unequal deductibles or liability limits it will be very difficult to make an equal comparison. Quoting even small variations in coverages may result in large price differences. And when quoting car insurance, remember that comparing a large number of companies gives you a better chance of getting more affordable rates.

Don’t listen to company ads

Insurance coverage companies such as Geico, State Farm and Progressive continually stream television, radio, and online ads. They all make the point about savings just by switching to them. It sounds good, but how can they all make the same claim? It’s all in the wording.

Insurance providers are able to cherry pick for the type of customer that will most likely be profitable. An example of a desirable risk may need to be over the age of 35, insures multiple vehicles, and drives a lower-performance vehicle. Any customer that fits those parameters is entitled to the best price and will most likely save when switching.

Consumers who may not quite match this stringent profile will see higher rates which leads to the customer not purchasing. If you listen closely, the ads state “people that switch” not “all people who quote” save money. That is how companies can make the claims of big savings.

This really emphasizes why it is so important to get price quotes at each policy renewal. It’s just too difficult to predict which insurance companies will have the best premium rates at this point in time.

Why you might pay lower rates

Many different elements are part of the equation when quoting car insurance. A few of the factors are predictable like your driving record, but other factors are not as apparent like your continuous coverage or your vehicle rating.

The list below includes some of the factors companies use to determine premiums.

  • Drivers with responsible credit save – A driver’s credit score will be a significant factor in determining what you pay for insurance. So if your credit rating is low, you could pay less to insure your 2015 Bentley Mulsanne if you improve your credit rating. Consumers who have excellent credit scores tend to be more responsible and file fewer claims than those with lower credit scores.
  • Deter theft and reduce premiums – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent your vehicle from being stolen.
  • Avoid unnecessary extra coverages – Insurance companies have many extra add-on coverages that sound like a good idea at the time on your Mulsanne policy. Coverages like roadside assistance, accidental death, and term life insurance could be just wasting money. They may seem good when discussing your needs, but if they’re wasting money consider taking them off your policy.
  • Low coverage deductibles mean high premiums – The deductibles define how much you are willing to pay out-of-pocket if a claim is determined to be covered. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered could be collision with another vehicle, vandalism, and having a roll-over accident. The more of the claim the insured is willing to pay, the lower your rates will be on Mulsanne coverage.
  • Don’t abuse policy claims – If you file a lot of claims you should expect either a policy non-renewal or much higher rates. Companies provide the best rates to insureds that do not abuse their auto insurance. Your insurance policy is designed for larger claims.
  • Guys tend to take more risk – Statistics show females are less aggressive when driving. Now that doesn’t mean women are BETTER drivers than men. Both genders cause auto accidents at about the same rate, but the male of the species tend to have higher claims. Men also tend to get cited for more serious violations such as DWI and reckless driving.

Find discounts on car insurance

Some companies don’t always advertise every discount they offer very clearly, so the list below contains some of the best known and also the more inconspicuous car insurance savings.

  • Paper-free Discount – A few larger companies provide a small discount just for signing your application on the web.
  • Discounts for Good Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Mulsanne coverage than drivers with accidents.
  • Claim Free – Drivers who stay claim-free have much lower rates when compared with frequent claim filers.
  • Discount for Low Mileage – Driving less can earn slightly better rates than normal.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Passenger Safety Discount – Vehicles with factory air bags may get savings of up to 25% or more.
  • Government Employees – Active or former government employment can earn a discount up to 10% on Mulsanne coverage with some car insurance companies.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. So even though you would think all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down the amount you have to pay.

A list of companies and their offered discounts are:

  • 21st Century offers discounts for early bird, student driver, automatic seat belts, good student, theft prevention, and driver training.
  • Progressive may offer discounts for online signing, multi-policy, good student, multi-vehicle, continuous coverage, homeowner, and online quote discount.
  • State Farm has savings for multiple policy, defensive driving training, accident-free, safe vehicle, student away at school, and Drive Safe & Save.
  • Nationwide may have discounts that include anti-theft, defensive driving, good student, multi-policy, business or organization, easy pay, and Farm Bureau membership.
  • Esurance has discounts for good student, multi-car, claim free, DriveSense, and online shopper.
  • The Hartford policyholders can earn discounts including bundle, vehicle fuel type, driver training, defensive driver, and good student.

If you need affordable car insurance quotes, ask each company or agent which discounts you qualify for. All car insurance discounts might not be offered in every state. If you would like to view companies with significant discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if hit by an uninsured driver?
  • When should I buy a commercial auto policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • What if I don’t agree with a claim settlement offer?
  • How much liability coverage do I need in my state?
  • How do I insure my teen driver?
  • Am I covered when delivering products for my home-based business?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered if I hit a deer?

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

Parts of your insurance policy

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills for funeral costs, EMT expenses, X-ray expenses, hospital visits and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Liability auto insurance

Liability insurance protects you from damage that occurs to a person or their property that is your fault. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as loss of income, bail bonds, repair costs for stationary objects, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, damage from flooding and fire damage. The maximum amount you’ll receive from a 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.

Auto collision coverage

This coverage pays for damage to your Mulsanne resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Bentley Mulsanne.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are set the same as your liablity limits.

Final considerations

We covered a lot of information how to save on 2015 Bentley Mulsanne insurance. It’s most important to understand that the more you quote car insurance, the better likelihood of getting cheaper car insurance. Drivers may discover the most savings is with a small mutual company.

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped collision coverage and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at the best possible price.

Consumers leave their current company for any number of reasons including poor customer service, questionable increases in premium, policy cancellation and high prices. Whatever your reason, finding a new car insurance company can be less work than you think.

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