View 2013 Bentley Mulsanne Car Insurance Cost

Trying to find cheaper insurance coverage rates? Buyers have lots of choices when searching for the best price on Bentley Mulsanne insurance. You can either waste hours calling around getting price quotes or save time using the internet to make rate comparisons. There are both good and bad ways to find insurance coverage online so we’re going to tell you the proper way to quote coverages for a new or used Bentley and locate the cheapest rates either online or from local insurance agents.

It’s a good idea to do rate comparisons before your policy renews since insurance rates are rarely the same from one policy term to another. Just because you had the lowest price for Mulsanne insurance six months ago a different company probably has better rates today. So just forget anything you know (or think you know) about insurance coverage because you’re going to learn the easiest way to find lower rates on insurance coverage.

Finding affordable coverage is quite easy. If you have car insurance now, you should be able to lower your premiums substantially using these methods. Drivers only need to know the proper methods to compare price quotes online.

Bentley Mulsanne insurance rates consist of many parts

An important part of buying insurance is that you know the different types of things that play a part in calculating car insurance rates. When you know what positively or negatively determines base rates enables informed choices that may reward you with lower car insurance prices.

Shown below are a partial list of the pieces car insurance companies consider when setting rates.

  • Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Marriage brings a discount – Having a wife or husband can actually save you money on your car insurance policy. It usually means you are more mature it has been statistically shown that being married results in fewer claims.
  • Lower miles equals lower premium – The more miles you rack up on your Bentley in a year the higher your rates will be. Most companies rate vehicles based on how the vehicle is used. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Improper usage on your Mulsanne can cost quite a bit. Double check that your car insurance policy properly reflects how each vehicle is driven.
  • Never let your coverage lapse – Having an insurance coverage lapse will be a guaranteed way to pay more for car insurance. And not only will insurance be more expensive, failure to provide proof of insurance might get you a steep fine or even jail time.You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Discounts for multiple policies – Most car insurance companies will give a discount to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, you may still want to compare other company rates to make sure you are getting the best deal.
  • High numbers of claims are not good – Companies generally give cheaper rates to people who are claim-free. If you tend to file frequent claims, you can look forward to higher rates. Auto insurance is designed for major claims that would cause financial hardship.
  • Extra add-on coverages are wasting money – There are quite a few additional coverages you can purchase if you aren’t careful. Things like vanishing deductibles, better glass coverage and additional equipment coverage may be costing you every month. These may sound like a good investment when you first buy your policy, but now you might not need them so remove them from your policy.
  • Liability coverage is peace of mind – Liability coverage is the coverage that protects you when you are found to be at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.

Get lower rates on Bentley Mulsanne insurance

Companies that sell car insurance don’t list all their discounts very well, so we break down some of the best known and also the lesser-known auto insurance savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Driver Safety – Taking a driver safety course could save 5% or more if you qualify.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Mulsanne insurance than their less cautious counterparts.
  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiring. This can save 10% or more.
  • Senior Citizens – Older drivers may qualify for reduced rates for Mulsanne insurance.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Accident Free – Drivers who don’t have accidents can save substantially when compared to frequent claim filers.

Drivers should understand that most discount credits are not given the the whole policy. Most only apply to individual premiums such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

Companies who might offer some of the above discounts include:

Double check with every prospective company which discounts you may be entitled to. Discounts might not apply in every state.

Auto insurance myths debunked

Consumers get pounded daily by advertisements that promise big savings by companies like State Farm and Allstate. They all seem to say the same thing that you’ll save big if you switch to them.

How do they all claim to save you money? This is how they do it.

Different companies have a certain “appetite” for the type of customer they prefer to insure. An example of a driver they prefer might be over the age of 40, has no prior claims, and chooses high deductibles. A propective insured that hits that “sweet spot” receives the best rates and most likely will save when they switch companies.

Potential customers who don’t measure up to this ideal profile will have to pay a higher premium and ends up with business not being written. The ads state “people who switch” not “everyone that quotes” save that much. This is how insurance companies can confidently state the savings. Because of the profiling, it’s extremely important to get a wide range of price quotes. It is impossible to predict which insurance companies will fit your personal profile best.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions may help highlight if you would benefit from an agent’s advice.

  • How do I insure my teen driver?
  • How do I buy GAP insurance?
  • Am I getting all the discounts available?
  • Who is covered by my policy?
  • What is an SR-22 filing?
  • Do I have newly-aquired coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Are rock chip repairs covered?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

Auto insurance coverages and their meanings

Understanding the coverages of auto insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Collision insurance

This will pay to fix damage to your Mulsanne from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, damaging your car on a curb, hitting a parking meter, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Liability

This coverage can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as medical expenses, medical services and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like funeral costs, doctor visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, falling objects, hail damage and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Make an honest buck

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. In too many instances, someone dropped uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

In this article, we covered some good ideas how you can reduce 2013 Bentley Mulsanne insurance prices online. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with a company that doesn’t do a lot of advertising.

People who switch companies do it for any number of reasons including questionable increases in premium, lack of trust in their agent, delays in responding to claim requests or even extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

More learning opportunities