Cheaper 2011 Bentley Continental Flying Spur Insurance Rates

Searching for cheaper auto insurance rates for your Bentley Continental Flying Spur? I can’t think of anyone who looks forward to paying for auto insurance, especially knowing they are paying too much.

Because you have many options, it can be hard to pick the right insurer.

It is always a good idea to check auto insurance prices before your policy renews because prices are usually higher with each renewal. Just because you found the lowest price for Continental Flying Spur insurance on your last policy you can probably find a lower rate today. There is a lot of bad information regarding auto insurance on the web, but I’m going to show you some guaranteed methods to buy auto insurance cheaper.

Why your Bentley Continental Flying Spur insurance rates may be high

Smart consumers have a good feel for the different types of things that help determine insurance coverage rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

The following are a partial list of the pieces that factor into prices.

  • Poor driving leads to higher costs – Drivers who don’t get tickets get better rates than their less careful counterparts. Even one ticket can bump up the cost by as much as thirty percent. Drivers with dangerous tickets like DUI or reckless driving are required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Rural vs Urban Areas – Being located in less populated areas is a positive aspect when talking about insurance coverage. Fewer people means reduced accidents. Drivers who live in large cities have more traffic problems and much longer commute distances. More time commuting means higher likelihood of an accident.
  • Being married can save on insurance coverage – Getting married helps lower the price on your insurance coverage policy. Having a significant other translates into being more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the coverage that protects you when you are found liable for damages from an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Do you need those extra coverages? – There are quite a few extra bells and whistles you can purchase on your 2011 Continental Flying Spur policy. Coverages like personal injury protection, better glass coverage and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but if you don’t need them get rid of them and save.
  • Your occupation can affect rates – Did you know that where you work can have an impact on rates? Careers like real estate brokers, architects and financial analysts are shown to have higher average rates attributed to high stress levels and lots of time spent at work. Conversely, occupations such as scientists, engineers and homemakers pay the least for Continental Flying Spur insurance.
  • Never let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance can result in a revoked license or a big fine.
  • Bump up deductibles to save – Your deductibles represent how much money you are willing to pay in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more you have to pay, the less your company will charge you for insurance for Continental Flying Spur insurance.

Are you getting all your discounts?

Car insurance is not cheap, but discounts can save money and there are some available to cut the cost considerably. Some discounts apply automatically at the time of purchase, but less common discounts must be specifically requested before you get the savings.

  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Low Mileage Discounts – Keeping the miles down on your Bentley can earn lower rates on the low mileage vehicles.
  • Bundle and Save – When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.

It’s important to understand that most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will bring down the cost of coverage.

For a list of companies who offer auto insurance discounts, click this link.

Is there deception in advertising?

Companies like Allstate and Progressive regularly use ads on television and other media. All the ads make the same claim about savings if you move your coverage to them. How does each company say the same thing? It’s all in the numbers.

All companies are able to cherry pick for the type of driver that is profitable for them. An example of a desirable insured could possibly be a mature driver, has no prior claims, and has a high credit rating. A propective insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when switching.

Drivers who are not a match for the “perfect” profile will be quoted higher prices and ends up with business not being written. Company advertisements say “drivers who switch” not “everyone that quotes” save that kind of money. That’s the way companies can truthfully make those claims.

This emphasizes why drivers must get as many comparisons as possible. It is impossible to predict the company that will provide you with the cheapest Bentley Continental Flying Spur insurance rates.

When might I need an agent?

When buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help highlight whether or not you could use an agent’s help.

  • Do I need PIP coverage since I have good health insurance?
  • Does insurance cover tools stolen from my truck?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my 2011 Bentley Continental Flying Spur need full coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • If I drive on a suspended license am I covered?
  • Do I pay less for low miles?
  • Am I covered when delivering products for my home-based business?
  • Is rental equipment covered for theft or damage?
  • What exactly is covered by my policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage considerations

Having a good grasp of your insurance policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as legal defense fees, medical expenses and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Bentley Continental Flying Spur.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are similar to your liability insurance amounts.

Coverage for collisions

This coverage 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 things like scraping a guard rail, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for claims such as rock chips in glass, hail damage, theft, hitting a deer and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like surgery, dental work, EMT expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Buy Smart and Save

Discount 2011 Bentley Continental Flying Spur insurance can be sourced on the web in addition to many insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not provide online quoting and these regional insurance providers work with independent agents.

In this article, we presented a lot of techniques to compare insurance prices online. The key thing to remember is the more you quote, the higher the chance of saving money. Drivers may discover the lowest rates come from some of the smallest insurance companies. These companies may only write in your state and offer lower rates than their larger competitors like Geico and State Farm.

More tips and info about insurance is available at these sites: