Cheaper 2013 Bentley Continental Flying Spur Insurance Quotes

Trying to find better auto insurance rates? Buyers have a choice when searching for the best price on Bentley Continental Flying Spur insurance. They can either spend hours struggling with agents getting price quotes or use the internet to get rate quotes.

There are more efficient ways to shop for auto insurance so we’re going to tell you the best way to get price quotes for a Bentley and find the lowest price from both online companies and local agents.

The purpose of this article is to familiarize you with the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these methods. Drivers just need to know the best way to compare price quotes on the web.

Lower rates by qualifying for discounts

Insuring your fleet can be pricey, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be specially asked for before they will apply. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Own a Home – Being a homeowner can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
  • Federal Employees – Active or retired federal employment can save as much as 8% on Continental Flying Spur insurance with a few car insurance companies.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current policy expires. It can save you around 10%.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will cut the cost of coverage.

Companies that may offer these benefits include:

Double check with each company what discounts are available to you. All car insurance discounts might not apply in your state.

Car insurance is unique, just like you

When choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.

For example, these questions might point out whether your personal situation might need professional guidance.

  • I don’t drive much so do I pay less?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my cargo covered for damage or theft?
  • Does coverage extend to a rental car in a foreign country?
  • How can I get my company to pay me more for my totalled car?
  • Should I buy only the required minimum liability coverage?
  • Is my nanny covered when driving my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Are you falling for claims of savings?

Consumers constantly see and hear ads that promise big savings from the likes of 21st Century, Allstate and State Farm. They all seem to make an identical promise that you’ll save big if you switch your coverage to them.

How can each company make almost identical claims? It’s all in the numbers.

All the different companies have a certain “appetite” for the driver that earns them a profit. For instance, a preferred risk could possibly be between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. A driver who fits that profile is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who are not a match for these standards will have to pay more money and this can result in business not being written. The ads state “people who switch” not “everyone that quotes” save that kind of money. This is how companies can truthfully state the savings.

Because of the profiling, drivers must get quotes from several different companies. It’s impossible to know the company that will fit your personal profile best.

Car insurance 101

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This will pay to fix 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 protects against things like theft, damage from a tornado or hurricane, rock chips in glass and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

Liability coverage protects you from damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t 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. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical expenses, attorney fees, legal defense fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like pain medications, dental work and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Collision insurance

Collision coverage will pay to fix damage to your Continental Flying Spur resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, damaging your car on a curb, colliding with a tree and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Spend less. Save more.

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where an insured cut liability limits or collision coverage only to find out that it was a big mistake. The ultimate goal is to find the BEST coverage for the lowest price.

The cheapest 2013 Bentley Continental Flying Spur insurance can be bought from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

In this article, we presented a lot of tips how to get a better price on insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with a smaller regional carrier.

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