Cheap 2003 Bentley Continental Car Insurance Quotes

Want cheaper insurance rates for your Bentley Continental? I can’t think of anyone who looks forward to paying for insurance, in particular when the cost is way too high. There is such a variety of insurance companies to purchase coverage from, and even though it’s nice to have a selection, it can be more difficult to compare company pricing.

Finding the best rates is easy if you know what you’re doing. If you have insurance now or are shopping for new coverage, you can follow these tips to cut your premiums while maintaining coverages. Vehicle owners just need to learn the proper methods to shop their coverage around online.

Why your Bentley Continental insurance rates may be high

Smart consumers have a good feel for some of the elements that help determine insurance coverage rates. Understanding what influences your rates allows you to make educated decisions that may reward you with better insurance coverage rates.

  • Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for insurance coverage? Occupations like judges, social workers and dentists tend to pay the highest average rates in part from stressful work requirements and long work days. Other jobs such as scientists, historians and performers have the lowest average rates on Continental insurance.
  • Battle of the sexes – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Women and men have accidents at about the same rate, but the males cause more damage. They also receive more costly citations like DUI and reckless driving. Young males tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
  • Car features impact rates – Choosing a vehicle with an alarm system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • The more you drive the more you pay – The more miles you rack up on your Bentley in a year’s time the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your insurance coverage policy properly reflects how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Continental may be costing you.
  • Pay less if you’re married – Having a spouse can actually save you money on your insurance coverage policy. Having a significant other usually means you are more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire is a fast way to pay more for insurance coverage. Not only will you pay more, failure to provide proof of insurance might get you a revoked license or a big fine.You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Traffic violations increase rates – Your driving citation history has a big impact on rates. Drivers who don’t get tickets receive lower rates compared to drivers with tickets. Just one moving violation can bump up the cost forty percent or more. Drivers who have flagrant citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Protect your assets with liability insurance – Liability coverage is the protection in the event that a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense coverage starting from day one. Liability is cheap when compared with rates for comp and collision, so do not skimp.

Be sure to get all your discounts

Companies offering auto insurance do not advertise every available discount in an easy-to-find place, so we researched both the well known and the more hidden car insurance savings. If they aren’t giving you every credit available, you are paying more than you should be.

  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on Continental insurance than their less cautious counterparts.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Resident Student – Kids in college who live away from home and do not have a car can be insured at a reduced rate.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance from them.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Continental insurance depending on your company.
  • One Accident Forgiven – Certain companies permit an accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • E-sign – A few companies may give you up to $50 for buying your policy online.
  • Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Low Mileage – Keeping the miles down on your Bentley can qualify you for lower rates on the low mileage vehicles.

Consumers should know that most credits do not apply to your bottom line cost. Most cut individual premiums such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous.

For a list of insurers who offer car insurance discounts, click this link.

How do I know if I need professional advice?

When choosing the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

  • Does my car insurance cover rental cars?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my nanny covered when driving my vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • How many claims can I have before being cancelled?
  • When can I cancel my policy?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Insurance coverage considerations

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, hitting a parking meter, rolling your car, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2003 Bentley Continental.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, hitting a bird, hitting a deer, damage from flooding and theft. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, funeral expenses and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as rehabilitation expenses, chiropractic care, hospital visits and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Quote more. Save more.

In this article, we presented many ways to save on 2003 Bentley Continental insurance. The key concept to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising. They may only write in your state and offer lower rates compared to the large companies like Progressive and Geico.

While you’re price shopping online, never buy less coverage just to save a little money. There are a lot of situations where an insured dropped liability coverage limits only to regret at claim time that it was a big error on their part. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.

Low-cost insurance is definitely available both online and with local insurance agents, so compare prices from both so you have a total pricing picture. Some companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Much more information about insurance can be found on the following sites: