Compare 2017 Bentley Continental Insurance Rates

Searching for cheaper insurance for a Bentley Continental can be an all-consuming task, but you can learn our auto insurance buying tips to save time. There are more efficient ways to buy auto insurance so we’re going to tell you the absolute fastest way to quote coverages for your Bentley and get the cheapest rates from both online companies and local agents.

Consumers should take time to check auto insurance prices once or twice a year because auto insurance prices change regularly. Even if you think you had the best rates for Continental insurance a year ago you can probably find a better premium rate now. Ignore everything you know about auto insurance because you’re going to get a crash course in the only way to properly buy coverages and cut your premium.

Compare car insurance rates

Comparing car insurance rates can be challenging if you don’t utilize the most efficient way. You could spend the better part of a day driving to local insurance agents in your area, or you could save time and use online quoting to get pricing more quickly.

Many of the larger companies belong to a marketplace where insurance shoppers enter their policy data once, and each company returns a competitive quote. This prevents consumers from doing form submissions to every company.

To enter your information into the quoting system, click here to start a free quote.

The only drawback to using this type of system is buyers cannot specifically choose which insurance companies to get quotes from. If you wish to select from a list of companies to compare prices, we have a listing of low cost car insurance companies in your area. Click to view list.

Compare rates however you want, just try to keep equivalent coverage limits and deductibles for every company. If each company quotes different liability limits it’s impossible to make a fair rate comparison.

Slick advertising tricks that work

Consumers can’t ignore all the ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the ads make the same claim about saving some big amount just by moving your insurance policy to them.

How do they all make the same claim? This is the trick they use.

Many companies give the best rates for the type of driver that is profitable for them. An example of a preferred risk could possibly be over age 30, has no prior claims, and has great credit. Anybody who meets those qualifications will most likely get cheap rates and most likely will save money with a new company.

Potential customers who are not a match for the requirements will be charged higher rates and this can result in the prospect going elsewhere. If you listen closely, the ads state “customers that switch” not “everybody who quotes” save that much when switching. That is how insurance companies can confidently advertise the savings. This really drives home the point why you need to get a wide range of price quotes. You cannot predict which insurance companies will provide the lowest prices.

Insurance Coverage Discounts

Auto insurance companies do not advertise every possible discount very well, so the list below details a few of the more common as well as the least known discounts that you may qualify for. If you do not double check each discount you qualify for, you could be getting lower rates.

  • Policy Bundle Discount – If you have multiple policies with one company you could earn a discount of up to 20% off your total premium.
  • Pay Upfront and Save – By paying your entire bill at once rather than paying monthly you could save 5% or more.
  • Online Discount – A few insurance coverage companies will discount your bill up to fifty bucks shop insurance coverage on their website.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Homeowners Pay Less – Being a homeowner may trigger a policy discount on insurance coverage since owning and maintaining a home demonstrates responsibility.
  • Student Discounts – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.

You should keep in mind that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. Even though it appears all those discounts means the company will pay you, companies wouldn’t make money that way.

Companies and a selection of discounts can be found below.

  • State Farm offers discounts for Drive Safe & Save, multiple autos, student away at school, driver’s education, and anti-theft.
  • Farmers Insurance has savings for distant student, teen driver, good student, switch companies, and bundle discounts.
  • Geico may offer discounts for good student, daytime running lights, multi-policy, membership and employees, and air bags.
  • American Family may include discounts for bundled insurance, mySafetyValet, air bags, Steer into Savings, defensive driver, and multi-vehicle.
  • Nationwide has discounts for defensive driving, accident-free, anti-theft, family plan, easy pay, good student, and multi-policy.
  • Progressive policyholders can earn discounts including good student, multi-policy, continuous coverage, homeowner, online quote discount, and online signing.

It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts might not be offered in your state. For a list of companies that offer some of these discounts, follow this link.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique.

For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

  • What happens if I owe more than my 2017 Bentley Continental is worth?
  • Should I bundle my homeowners policy with my auto?
  • Do I need an umbrella policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Which companies will insure high-risk drivers?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Understanding the coverages of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses like EMT expenses, nursing services and funeral costs. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This will pay to fix damage to your Continental resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, rolling your car and hitting a mailbox. 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. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, vandalism, damage from getting keyed, theft and hitting a deer. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like emergency aid, medical services and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Bentley Continental.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Best coverage at the best price

People switch companies for any number of reasons including delays in responding to claim requests, delays in paying claims, being labeled a high risk driver and high prices. Whatever your reason, finding a new company is actually quite simple.

We’ve covered many tips how you can save on 2017 Bentley Continental insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a lesser-known regional company.

When getting insurance coverage quotes online, do not buy less coverage just to save a little money. There have been many situations where drivers have reduced physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

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