2017 Bentley Mulsanne Insurance Rates – 9 Tips for Best Quotes

Having to pay for pricey Bentley Mulsanne insurance can drain your accounts and make it impossible to make ends meet. Comparing rate quotes is free and is an excellent way to make ends meet.

Companies like State Farm, Progressive and Geico constantly bombard you with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

If you have a policy now or need new coverage, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Buying car insurance is quite easy. Vehicle owners just need to know the most efficient way to shop for car insurance on the web.

Compare quotes for insurance coverage

Effectively comparing insurance coverage prices can be a lot of work if you don’t utilize the easiest way. You can waste hours talking about coverages with insurance agencies in your area, or you can utilize online quotes for quick rates.

Many companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and at least one company provides a quote determined by their information. This eliminates the need for repetitive form submissions to every company.

To participate in this free quote system, click here (opens in new window).

The single downside to comparing rates this way is you can’t choose which insurance companies to get pricing from. So if you want to select individual companies to compare, we have assembled a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but be sure you’re using the same quote information with every price quote. If you compare higher or lower deductibles you will not be able to determine which rate is truly the best.

Take these nine policy discounts and save

Companies that sell car insurance do not advertise every available discount in a way that’s easy to find, so the below list has both well-publicized and the harder-to-find credits that you can use to lower your rates.

  • Waiver for an Accident – This one is not really a discount per se, but companies like Allstate and Progressive will allow you to have one accident without getting socked with a rate hike as long as you don’t have any claims for a certain period of time.
  • Senior Discount – Drivers over the age of 55 may receive reduced rates on Mulsanne insurance.
  • Discount for Swiching Early – Some companies give discounts for buying a policy prior to the expiration date on your current policy. This discount can save up to 10%.
  • Full Payment Discount – By making one initial payment rather than paying in monthly installments you can avoid the installment charge.
  • Discounts for Multiple Vehicles – Buying a policy with multiple cars on the same auto insurance policy qualifies for this discount.
  • Professional Organizations – Belonging to specific professional or occupational memberships or organizations is a good way to get lower rates when getting a insurance coverage quote.
  • Discounts for New Vehicles – Buying a new car model can get you a discount due to better safety requirements for new vehicles.
  • Passive Restraints and Air Bags – Factory air bags can receive discounts of 25 to 30%.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and qualify for as much as a 10% discount.

As a sidenote, some credits don’t apply the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Some of the larger companies who might offer these benefits include:

If you need lower rates, check with all the companies which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policyholders in your area. To find auto insurance companies that have a full spectrum of discounts, click here to view.

Which policy gives me the best coverage?

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different and your policy should reflect that. For instance, these questions might help in determining if you will benefit from professional help.

  • How much underlying liability do I need for an umbrella policy?
  • Is pleasure use cheaper than using my 2017 Bentley Mulsanne to commute?
  • Can I drive in Mexico and have coverage?
  • Is business property covered if stolen from my car?
  • Am I covered when driving a rental car?
  • How can I find cheaper teen driver insurance?
  • Do I really need UM/UIM coverage?
  • Does my 2017 Bentley Mulsanne need full coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance savings promises

Consumers constantly see and hear ads that promise big savings from the likes of 21st Century, Allstate and State Farm. All the companies state the claim that people will save if you get a free insurance coverage quote and switch to them.

How can each company cost less than your current company? Here is the trick they use.

Many companies have specific criteria for the type of insured that will most likely be profitable. One example of a profitable customer may need to be over the age of 35, owns their home, and has great credit. A customer getting a price quote who matches that profile will most likely get cheap premium rates and will probably save quite a bit of money when switching.

Insureds who do not match this ideal profile will see a more expensive rate which results in the customer buying from a different company. The ads say “people who switch” not “everyone who quotes” save that much. That is how companies can make the claims of big savings.

This illustrates why you need to get insurance coverage quotes as often as possible. It’s not possible to predict which insurance companies will give you the biggest savings.

Auto insurance coverages 101

Knowing the specifics of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most auto insurance policies.

Collision coverage protection

Collision insurance covers damage to your Mulsanne resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, hitting a mailbox, colliding with another moving vehicle, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Auto liability

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as legal defense fees, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as nursing services, chiropractic care, EMT expenses and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, damage from a tornado or hurricane, hitting a bird, damage from getting keyed and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

A penny saved is a penny earned

While you’re price shopping online, make sure you don’t buy poor coverage just to save money. There are too many instances where someone dropped physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

The cheapest 2017 Bentley Mulsanne insurance can be sourced both online as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not provide online rate quotes and many times these smaller companies prefer to sell through independent insurance agents.

More detailed auto insurance information is located in these articles: