2008 Bentley Continental Flying Spur Car Insurance Quotes

Saving money on insurance can be a challenge for beginners to shopping for insurance online. There are so many options that it can quickly become a real challenge to find lower rates.

Auto Insurance Comparisons

There are a lot of ways to shop for auto insurance, and some are less time-consuming than others. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could use the web to get the quickest rates.

Most of the larger companies participate in a marketplace where insurance shoppers enter their coverage request one time, and every company returns a rated price based on the submitted data. This prevents consumers from doing quotation requests for each company you want a rate for.

To submit your quote information now, click here to start a free quote.

The only drawback to using this type of system is that you can’t choose which insurance companies you will receive quotes from. If you wish to select from a list of companies to receive pricing from, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever method you choose, double check that you are using exactly the same coverages on every quote you get. If you are comparing different deductibles it will be next to impossible to determine the best price for your Bentley Continental Flying Spur. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when comparison shopping, obtaining a wide range of quotes helps you find the best rates.

Are insurance companies telling the truth?

Insurance providers like Allstate and Progressive consistently run ads on TV and radio. They all say the same thing that you’ll save big if you change to them. How can each company make almost identical claims?

Insurance companies can use profiling for the type of driver that makes them money. For example, a driver they prefer could be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Potential customers who do not match this ideal profile will be quoted higher premiums which leads to business not being written. The ads state “customers that switch” not “people who quote” save that much. This is how companies can advertise the savings. This emphasizes why it’s extremely important to get a wide range of price quotes. It’s not possible to predict which insurance companies will give you the biggest savings on Bentley Continental Flying Spur insurance.

Bentley Continental Flying Spur insurance rates are influenced by…

Consumers need to have an understanding of the rating factors that play a part in calculating insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that will entitle you to lower insurance prices.

Shown below are some of the factors insurance companies consider when setting prices.

  • Safer occupants lowers premiums – Cars with high safety ratings tend to have better insurance rates. Safe vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Bentley Continental Flying Spur is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Extra add-on coverages are wasting money – There are many extra coverages that you can buy when buying insurance. Insurance for roadside assistance, towing coverage and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Proper usage rating affects rates – The more you drive each year the higher your rate. The majority of insurers apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage receive lower rates than vehicles that are driven to work every day. Verify your insurance policy shows the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Continental Flying Spur may be costing you.
  • Do you know you’re credit rating? – A driver’s credit history is a huge factor in calculating your insurance rates. If your credit history is not that good, you could pay less to insure your 2008 Bentley Continental Flying Spur by repairing your credit. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower credit scores.
  • Car features impact rates – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.

How to reduce 2008 Bentley Continental Flying Spur insurance rates

Car insurance companies don’t necessarily list all their discounts very well, so here is a list some of the more common and the harder-to-find discounts you could be receiving.

  • Government Employees – Employees or retirees of the government can save as much as 8% on Continental Flying Spur insurance depending on your company.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Sign Online – Some insurance companies may give you up to $50 for buying your policy online.
  • Homeowners Pay Less – Owning a house may earn you a small savings because owning a home demonstrates responsibility.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of insurers with the best auto insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I drive in Mexico and have coverage?
  • Are split liability limits better than a combined single limit?
  • What is high-risk coverage and where do I buy it?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered by my spouse’s policy after a separation?
  • Should I sign the liability waiver when renting a car?
  • What is covered by UM/UIM coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages

This coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims, and does not provide coverage for 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 values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things such as loss of income, pain and suffering, funeral expenses and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Bentley Continental Flying Spur.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, theft, falling objects and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

Collision insurance covers damage to your Continental Flying Spur resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, sustaining damage from a pot hole, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for hospital visits, EMT expenses and doctor visits. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

A little work can save a LOT of money

Cheaper 2008 Bentley Continental Flying Spur insurance can be purchased on the web in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies do not provide online quoting and these small, regional companies work with independent agents.

Drivers switch companies for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, denial of a claim and not issuing a premium refund. Regardless of your reason, finding a new car insurance company can be pretty painless.

In this article, we covered many ways to compare insurance prices online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest premiums are with some of the smallest insurance companies.

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