2018 Bentley Bentayga Insurance Rates

Searching for better car insurance rates for your Bentley Bentayga? Being forced to pay for expensive car insurance premiums can drain your funds and possibly require you to analyze your spending habits. Price shopping at each renewal is a fast and free way to lower your monthly bill.

You have so many insurance companies to pick from, and although it’s a good thing to have a selection, lots of choices makes it harder to compare company pricing.

Components of your Bentley Bentayga insurance prices

Lots of things are considered when you get a price on insurance. Some are pretty understandable like an MVR report, but other criteria are more obscure such as whether you are married or your vehicle rating.

The items below are some of the factors used by companies to determine your rates.

  • Prices and your address – Residing in small towns and rural areas is a good thing when insuring your vehicles. Residents of big cities regularly have more auto accidents and more severe claims. Fewer people means a lower chance of having an accident and lower theft and vandalism rates.
  • Eliminate unneeded incidental coverages – Insurance companies have many add-on coverages that may not really be needed on your insurance coverage policy. Coverages for vanishing deductibles, high-cost glass coverage, and additional equipment coverage may not be needed and are just wasting money. You may think they are a good idea when buying your policy, but your needs may have changed so remove them and pocket the money.
  • What’s your car’s crash test rating? – Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and fewer serious injuries means less money paid by your insurance company and lower rates for you. If your Bentley Bentayga has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Liability coverage claims can be big – Liability coverage will provide protection in the event that you are responsible for personal injury or accident damage. It provides legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Advanced theft deterrents – Owning a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.

Lower rates by qualifying for discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not even be aware of. Many of these discounts will be applied automatically when you quote, but some discounts are required to be manually applied in order for you to get them.

  • Early Payment Discounts – By paying your entire bill at once rather than spreading payments over time you could save 5% or more.
  • Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts may earn rate discounts as much as 30%.
  • Cautious Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote for Bentayga insurance than drivers with accident claims.
  • Good Grades Discount – Performing well in school can save 20 to 25%. This discount can apply up to age 25.
  • Driver Training Discounts – Participating in a course that instructs on driving safety may get you a small discount if you qualify.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • 55 and Retired – Older drivers can possibly qualify for a small decrease in premiums for Bentayga insurance.

You can save money using discounts, but most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see companies who offer free insurance coverage quotes, click this link.

Car insurance is unique, just like you

When it comes to choosing coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs could use an agent’s help.

  • Will my insurance pay for OEM parts?
  • What should my uninsured motorist coverage limits be in my state?
  • Does insurance cover tools stolen from my truck?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when driving in Canada or Mexico?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I have a commercial auto policy?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages 101

Having a good grasp of auto insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by auto insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, chiropractic care, prosthetic devices and dental work. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage covers damage to your Bentayga resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Coverage for liability

This provides protection from damages or injuries you inflict on other people or property. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as court costs, attorney fees, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, vandalism, damage from getting keyed, hitting a deer and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Bentley Bentayga.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Spend less. Save more.

We covered many ideas to compare 2018 Bentley Bentayga insurance premium rates online. The key concept to understand is the more price quotes you have, the better likelihood of getting low cost insurance coverage. Consumers could even find that the best price on car insurance is with a smaller regional carrier. Regional companies can often provide lower prices in certain areas as compared to the big name companies such as Geico and State Farm.

Cheaper car insurance is attainable online and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not provide rate quotes online and these smaller companies prefer to sell through independent agents.

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