2012 Bentley Mulsanne Insurance Cost

Looking for lower auto insurance rates for your Bentley Mulsanne? Have you fallen victim to high-priced auto insurance? Believe me when I say there are a lot of people just like you who feel imprisoned by their auto insurance policy. Many insurance companies compete to insure your vehicles, so it’s not easy to compare every insurance company to discover the definitive lowest rate possible.

Automobile Insurance Quotes

There are a lot of ways you can shop for insurance coverage but there is one way that is less time-consuming than others. You could waste time discussing policy coverages with insurance companies in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most major companies participate in an industry program where prospective buyers only type in their quote data once, and at least one company can give them a price determined by their information. This system prevents you from having to do quote requests for each company you want a rate for.

To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to getting quotes like this is that you can’t choose which carriers you want to price. So if you prefer to choose specific providers to compare rates, we have a listing of companies who write insurance coverage in your area. Click here to view list.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same information for each price quote. If you have mixed coverages it will be very difficult to determine the lowest rate for your Bentley Mulsanne.

Don’t listen to company ads

Consumers can’t ignore all the ads that promise big savings by companies like Progressive, Allstate and Geico. All the ads make the same claim that you can save if you change to them.

How do they all make almost identical claims?

All companies are able to cherry pick for the driver that is profitable for them. An example of a profitable customer could be a mature driver, a clean driving record, and has great credit. A propective insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who are not a match for this ideal profile must pay more money and this can result in business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save that much money. That’s why companies can make those claims. This illustrates why you absolutely need to compare many company’s rates. It’s just too difficult to predict which car insurance company will give you the biggest savings on Bentley Mulsanne insurance.

Some factors that can determine what Bentley Mulsanne insurance costs

An important part of buying insurance is that you know the factors that play a part in calculating your auto insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that could result in better auto insurance rates.

Shown below are a few of the “ingredients” used by your company to calculate premiums.

  • More claims means more premium – If you file claims often, you can look forward to either policy cancellation or increased premiums. Insurance companies give cheaper rates to policyholders who file claims infrequently. Your insurance policy is meant to be used in the event of larger claims.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores can get you lower premiums. Safer cars reduce injuries and better occupant protection means lower claim amounts and thus lower rates. If your Bentley Mulsanne scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Policy add-ons can waste money – There are a ton of extra coverages you can purchase when buying auto insurance. Insurance for rental car reimbursement, better glass coverage and additional equipment coverage are some examples. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
  • Being married can save on auto insurance – Getting married can get you a discount on auto insurance. It translates into being more mature it has been statistically shown that being married results in fewer claims.
  • Your job and insurance rates – Jobs such as judges, architects and dentists have the highest average rates attributed to stressful work requirements and long work days. Other jobs such as scientists, historians and the unemployed get better rates on Mulsanne insurance.
  • Clean credit earns discounts – A driver’s credit score is a large factor in determining what you pay for auto insurance. Therefore, if your credit score is lower than you’d like, you could pay less to insure your 2012 Bentley Mulsanne by improving your credit score. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with poor credit.
  • Theft deterrents lower rates – Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Do men or women drive better? – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Both sexes cause accidents in similar numbers, but the men cause more damage. Men also statistically have more aggressive citations such as DWI and reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.

Discounts on Bentley Mulsanne insurance

Car insurance companies don’t always list every discount in an easy-to-find place, so here is a list some of the more common as well as the least known ways to save on car insurance. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Discount for New Cars – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Mulsanne insurance than drivers with accident claims.
  • Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Low Mileage Discounts – Low mileage vehicles could qualify for a substantially lower rate.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.

Drivers should understand that most credits do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of providers with the best car insurance discounts, click this link.

Tailor your coverage to you

When it comes to buying the best insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions could help you determine if you might need an agent’s assistance.

  • Do I have coverage for damage caused while driving under the influence?
  • Do I need more liability coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What discounts do I qualify for?
  • Is my camper covered by my car insurance policy?
  • Should I put collision coverage on all my vehicles?
  • When should my teen driver be added to my policy?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Parts of your car insurance policy

Understanding the coverages of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.

Comprehensive insurance

This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

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

Collision coverage

Collision coverage covers damage to your Mulsanne from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, sideswiping another vehicle, rolling your car, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Bentley Mulsanne.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as repair bills for other people’s vehicles, attorney fees and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses like 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 there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

A penny saved is a penny earned

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone sacrificed physical damage coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to get the best coverage possible at the best price, not the least amount of coverage.

Cost effective 2012 Bentley Mulsanne insurance is definitely available both online and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

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