2017 Bentley Mulsanne Insurance Cost – 10 Tips to Save

Are you at wits end from wondering where the money will come from to pay auto insurance each month? You’re in the same situation as most other people. Online insurance companies like State Farm, Farmers Insurance, Geico and Allstate promote their brand names with TV and radio ads and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

Quote auto insurance online

There are multiple methods to compare auto insurance quotes, but one way is more efficient than others. You can waste hours talking to local insurance agents in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

The majority of car insurance companies take part in a program where insurance shoppers complete one form, and every company can provide price quotes for coverage. This prevents consumers from doing quote requests for each company you want a rate for.

To participate in this free quote system, click here to start a free quote.

The only drawback to using this type of system is that consumers can’t choose the companies you will receive quotes from. So if you prefer to pick individual companies to receive pricing from, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be certain you are entering identical coverage data with each company. If you compare higher or lower deductibles it will be impossible to decipher which rate is best.

Drivers save money with these ten money-saving discounts

Not many people think insurance is cheap, but you might find some hidden discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be inquired about before you get the savings.

  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it can save substantially.
  • Multi-car Discount – Buying a policy with multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
  • Passenger Safety Discount – Options like air bags may get savings of 20 to 30 percent.
  • Renewal Discounts – Select insurance coverage companies give a discount for switching to them before your current policy expires. It can save you around 10%.
  • Military Deployment Discount – Being on active deployment in the military can result in better insurance coverage rates.
  • New Car Discount – Insuring a new car can be considerably cheaper since new vehicles are generally safer.
  • Mature Driver Discount – Seniors can possibly qualify for a small decrease in premiums for Mulsanne insurance.
  • College Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
  • Anti-theft System – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and can earn a small discount on your policy.

You can save money using discounts, but most credits do not apply the the whole policy. The majority will only reduce specific coverage prices like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

A list of companies and a partial list of their discounts are outlined below.

  • State Farm has discounts for safe vehicle, Drive Safe & Save, driver’s education, good student, anti-theft, multiple autos, and Steer Clear safe driver discount.
  • American Family may have discounts that include good driver, bundled insurance, air bags, accident-free, and mySafetyValet.
  • AAA offers discounts for multi-policy, anti-theft, multi-car, pay-in-full, good driver, and AAA membership discount.
  • Geico policyholders can earn discounts including membership and employees, seat belt use, daytime running lights, anti-theft, federal employee, good student, and air bags.
  • Mercury Insurance may include discounts for ease of repair, good student, low natural disaster claims, type of vehicle, multi-policy, and multi-car.
  • Farmers Insurance may offer discounts for early shopping, bundle discounts, mature driver, switch companies, and pay in full.
  • Progressive includes discounts for multi-vehicle, multi-policy, continuous coverage, homeowner, online quote discount, good student, and online signing.

Double check with all companies you are considering to give you their best rates. Some credits may not be offered in every state. To view insurance companies who offer cheap insurance coverage quotes, click here to view.

Do I need special coverages?

When choosing the best auto insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For instance, these questions can aid in determining if you might need professional guidance.

  • Is pleasure use cheaper than using my 2017 Bentley Mulsanne to commute?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I sign the liability waiver when renting a car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I have coverage if my license is suspended?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does insurance cover damages from a DUI accident?
  • Will my rates increase for filing one claim?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Drivers who switch save $432 a year? Really?

Drivers can’t ignore all the ads that claim the best rates from companies such as State Farm, Allstate and Geico. They all have a common claim of big savings if you get a free auto insurance quote and switch your auto insurance policy to them.

How does each company say the same thing?

Insurance companies have specific guidelines for the driver that earns them the highest profit. A good example of this type of driver could be over the age of 35, is a homeowner, and insures a new vehicle. Any driver that fits those parameters is entitled to the best price as well as save when switching.

People who don’t meet this ideal profile will be quoted a higher premium and this results in business going elsewhere. The trick companies use is to say “customers that switch” not “all people who quote” save money. That’s the way companies can truthfully make claims that they all have the best rates. Because of this risk profiling, drivers should compare many company’s rates. It’s just not possible to know which auto insurance company will have the best prices for your profile.

Auto insurance coverage basics

Having a good grasp of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on most auto insurance policies.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of 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 important protection for you and your family.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills like prosthetic devices, EMT expenses, doctor visits, nursing services and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

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

Collision insurance covers things like scraping a guard rail, crashing into a building, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, a broken windshield, hitting a bird, vandalism and fire damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability insurance

Liability insurance will cover damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as structural damage, medical expenses, emergency aid, funeral expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

What is YOUR best insurance company?

When searching for affordable auto insurance quotes, do not sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

You just learned many ideas to save on 2017 Bentley Mulsanne insurance. The key thing to remember is the more companies you get premium rates for, the better chance you’ll have of finding cheap auto insurance. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising. They may only write in your state and offer lower premium rates as compared to the big name companies such as Progressive or Geico.

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