Lower Your 2016 Bentley Mulsanne Car Insurance Quotes

Having to pay for high-priced Bentley Mulsanne insurance can dry up your funds and force you to tighten up your finances. Consumers have multiple auto insurance companies to pick from, and although it’s nice to have a choice, it makes it harder to find the best rates.

You should take the time to get comparison quotes at least once a year due to the fact that insurance rates trend upward over time. Just because you had the lowest rate for Mulsanne coverage six months ago you may be paying too much now. Don’t believe everything you read about insurance coverage online, but I’m going to show you some solid techniques on how to buy insurance coverage cheaper.

The easiest way to compare car insurance rates is to know the trick most of the bigger providers allow for online access to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details like your occupation, driver ages, any included safety features, and if you are currently licensed. The rating information gets sent immediately to multiple different insurance companies and they return cost estimate very quickly.

Ads can be misleading

Drivers constantly see and hear ads for the lowest price insurance from companies such as Progressive, Geico, Allstate and State Farm. All the companies make the point about saving some big amount if you change to their company.

How does each company charge less that you’re paying now? This is how they do it.

All the different companies have specific characteristics for the type of insured that is profitable for them. A good example of this type of insured should be a married female, has a low-risk occupation, and the vehicle is rated for pleasure use. Any customer that matches those criteria will probably get the lowest premium rates and have a good chance to save a lot of money.

Drivers who are not a match for those criteria must pay higher rates which leads to the customer not buying. The wording the ads use say “customers that switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can confidently make claims that they all have the best car insurance rates.

Because of these techniques, it is so important to do a quote comparison often. It is just not possible to predict the company that will fit you best based on your risk profile.

Get lower rates with these insurance coverage discounts

Some insurance providers don’t always publicize all disounts very clearly, so we researched some of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online.

  • Multiple Cars – Purchasing coverage when you have more than one vehicle with one company may reduce the rate for each vehicle.
  • Discounts for New Vehicles – Buying insurance coverage coverage on a new vehicle can be considerably cheaper since new vehicles are generally safer.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and earn discounts up to 10%.
  • Switch and Save Discount – Some insurance coverage companies provide a discount for renewing your policy prior to the expiration date on your current policy. The savings is around 10%.
  • Passive Restraint Discount – Factory options such as air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft so companies will give you a small discount.

Consumers should know that most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, you aren’t that lucky.

A list of insurance coverage companies and a partial list of their discounts are shown below.

  • State Farm has savings for Steer Clear safe driver discount, anti-theft, driver’s education, multiple policy, good driver, and accident-free.
  • Farmers Insurance policyholders can earn discounts including early shopping, mature driver, teen driver, homeowner, alternative fuel, electronic funds transfer, and distant student.
  • Geico may offer discounts for membership and employees, driver training, good student, air bags, military active duty, and emergency military deployment.
  • American Family may have discounts that include good driver, defensive driver, TimeAway discount, early bird, and bundled insurance.
  • Nationwide includes discounts for defensive driving, accident-free, business or organization, good student, anti-theft, multi-policy, and easy pay.
  • Progressive offers discounts for continuous coverage, online quote discount, online signing, homeowner, and multi-policy.

If you are trying to find affordable car insurance quotes, ask every prospective company what discounts are available to you. All car insurance discounts may not apply to policies in every state.

Auto insurance can get complicated

When it comes to choosing coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions may help you determine if your situation will benefit from professional help.

  • What is medical payments coverage?
  • Is upholstery damage covered by car insurance?
  • Should I buy only the required minimum liability coverage?
  • Will my rates increase for filing one claim?
  • Can I rent a car in Mexico?
  • Am I covered if I wreck a rental car?
  • How do I file an SR-22 for a DUI in my state?
  • At what point should I drop full coverage?
  • Am I covered if hit by an uninsured driver?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Parts of your auto insurance policy

Knowing the specifics of auto insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on most auto insurance policies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, prosthetic devices and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, a tree branch falling on your vehicle, theft and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – This coverage will pay to fix damage to your Mulsanne from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, damaging your car on a curb, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Bentley Mulsanne.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages – Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as pain and suffering, bail bonds and court costs. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Take this to the bank

We’ve covered quite a bit of information on how to reduce 2016 Bentley Mulsanne insurance prices online. The key thing to remember is the more quotes you get, the higher your chance of finding cheaper car insurance. Consumers could even find that the biggest savings come from a smaller regional carrier. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where someone dropped full coverage and discovered at claim time they didn’t purchase enough coverage. Your goal is to get the best coverage possible at the lowest possible cost and still be able to protect your assets.

Helpful information