View 2012 Bentley Continental Supersports Convertible Insurance Cost

Want the cheapest insurance coverage rates for your Bentley Continental Supersports Convertible? Are you sick and tired of not being able to afford to pay your car insurance bill each month? Your situation is no different than many other drivers.

Companies like Allstate and Progressive promote their brand names with catchy ads and it is difficult to separate fact from fiction and do the work needed to find the best deal.

It’s a great practice to compare prices at least once a year due to the fact that insurance rates tend to go up over time. Despite the fact that you may have had the best deal for Continental Supersports Convertible insurance a few years ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance coverage because we’re going to demonstrate one of the easiest ways to buy cheaper insurance coverage.

Compare Insurance Coverage Today

There are a variety of methods you can shop for 2012 Bentley Continental Supersports Convertible insurance coverage but there is one way that is easier and takes less work. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

Most of the best insurance companies belong to an insurance system where prospective buyers enter their policy data once, and every company can give them a price based on the submitted data. This eliminates the need for quote requests for every insurance coverage company. To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to comparing rates this way is that consumers can’t choose the companies you will receive quotes from. So if you want to select specific providers for rate comparison, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you are comparing exactly the same information on every quote you get. If you are comparing different limits and deductibles on each one you will not be able to determine the lowest rate for your Bentley Continental Supersports Convertible. Slightly different insurance coverages can mean a large discrepancy in price. It’s important to know that more quotes helps locate the best rates.

Pay less by taking advantage of discounts

Auto insurance companies don’t list every available discount very well, so we break down both the well known and the harder-to-find savings tricks you should be using.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Auto/Life Discount – Some companies give lower rates if you buy auto and life insurance together.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
  • Sign Online – A handful of insurance companies will give a small break for buying your policy on their website.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Resident Student – Any of your kids living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills could save 5% or more if your company offers it.

It’s important to understand that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you could get a free insurance policy, insurance companies aren’t that generous.

To see a list of insurers who offer insurance discounts, click this link.

Your coverage should be tailored to you

When choosing adequate coverage, there is no cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • Are split liability limits better than a combined single limit?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How high should deductibles be on a 2012 Bentley Continental Supersports Convertible?
  • Is a fancy paint job covered?
  • Is my 2012 Bentley Continental Supersports Convertible covered for flood damage?
  • Is my cargo covered for damage or theft?
  • Are all vehicle passengers covered by medical payments coverage?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Detailed coverages of your auto insurance policy

Knowing the specifics of your auto insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for expenses such as dental work, pain medications, EMT expenses, nursing services and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability – This can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as bail bonds, pain and suffering and loss of income. How much coverage you buy is up to you, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants 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 Supersports Convertible.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, hitting a deer, a tree branch falling on your vehicle and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision coverage will pay to fix damage to your Continental Supersports Convertible resulting from colliding 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 damaging your car on a curb, scraping a guard rail, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Stretch your dollar

We just presented some good ideas how you can lower your 2012 Bentley Continental Supersports Convertible insurance rates. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest premiums are with some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

When buying insurance coverage, never reduce needed coverages to save money. In many cases, an insured cut uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your goal should be to buy the best coverage you can find for the lowest price.

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