Compare 2018 Bentley Mulsanne Insurance Rates

Finding better insurance prices for your Bentley Mulsanne can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips to save time. There are both good and bad ways to buy insurance coverage and we’ll show you the absolute fastest way to get price quotes for your Bentley and find the best price possible either online or from local insurance agents.

You should take the time to check insurance coverage prices every six months because insurance coverage rates change regularly. Just because you had the lowest premium rates on Mulsanne insurance six months ago you can probably find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to find out the fastest and easiest way to buy cheaper insurance coverage.

Finding the best rates is not that difficult. If you have insurance now or are just looking to switch companies, you can use this information to get lower rates while maximizing coverage. Vehicle owners only need to know the most effective way to shop their coverage around online.

How to lower your car insurance cost

Performing a rate comparison can take hours if you aren’t aware of the fastest way to get free quotes. You could waste time talking about coverages with insurance companies in your area, or you could use online quoting to achieve your goal.

Many insurance companies belong to an insurance system where prospective buyers only type in their quote data once, and each company can provide price quotes based on that information. This saves time by eliminating form submissions to each company.

To find out how much you can save on car insurance click here (opens in new window).

One minor caviat to comparing rates this way is that consumers can’t choose which insurance companies to receive prices from. So if you want to choose individual companies to compare, we have a page of companies who write car insurance in your area. Click here to view list.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverages and limits for each price quote. If you are comparing higher or lower deductibles it’s not possible to determine which company has the best rates.

Insurance coverage policy discounts you can’t miss

Insurance coverage is not cheap nor is it fun to buy but there are discounts available to cut the cost considerably. Certain reductions will be credited at the time of quoting, but some must be inquired about in order for you to get them.

  • Discount for Multiple Policies – If you combine your homeowners and auto policies with the same company they may give you a discount of at least 10 to 15 percent or more.
  • Early Signing – A few insurance coverage companies allow discounts for switching to them early. You can save around 10% with this discount.
  • Federal Employees – Having worked for a branch of the government could cut as much as 10% off on Mulsanne insurance with some insurance coverage companies.
  • Buy New and Save – Adding a new car to your policy can save up to 30% since newer models have better safety ratings.
  • Save over 55 – If you qualify as a senior citizen, you could receive lower premium rates on Mulsanne insurance.

A little disclaimer on discounts, most credits do not apply to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

Popular insurance coverage companies and a selection of discounts can be found below.

  • Geico includes discounts for good student, air bags, military active duty, membership and employees, daytime running lights, and multi-vehicle.
  • Auto-Owners Insurance offers discounts including teen driver, anti-theft, air bags, paid in full, and mature driver.
  • American Family may offer discounts for bundled insurance, good student, TimeAway discount, multi-vehicle, defensive driver, mySafetyValet, and good driver.
  • Esurance discounts include online shopper, online quote, homeowner, emergency road assistance, claim free, safety device, and renters.
  • Progressive offers discounts for good student, multi-policy, online signing, homeowner, online quote discount, continuous coverage, and multi-vehicle.
  • State Farm has savings for student away at school, Steer Clear safe driver discount, anti-theft, driver’s education, accident-free, and safe vehicle.
  • AAA policyholders can earn discounts including good student, anti-theft, pay-in-full, AAA membership discount, good driver, and education and occupation.

Double check with each insurance company how many discounts you can get. All car insurance discounts may not apply to policyholders in your area. If you would like to view insurance companies with the best insurance coverage discounts, click this link.

Insurance premium influencing factors

Consumers need to have an understanding of the different types of things that go into determining your premiums. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in cheaper rates.

The following are some of the most common factors used by your company to calculate your rates.

  • Pleasure use saves money – The higher the miles on your Bentley in a year’s time the more you will pay for car insurance. A lot of companies calculate prices determined by how the vehicle is used. Autos that have low annual miles get more affordable rates than those used for commuting. It’s a good idea to make sure your vehicle rating correctly shows the correct usage, because improper ratings can cost you money. Having the wrong rating on your Mulsanne may be costing you.
  • More traffic equals higher costs – Being located in smaller towns and rural areas of the country is a positive aspect if you are looking for the lowest rates. Urban drivers tend to have more auto accidents and more time behind the wheel. Fewer drivers on the road corresponds to lower accident rates as well as less vandalism and auto theft.
  • Tickets can be expensive – How you drive has a huge affect on how much you pay. Good drivers get better rates as compared to careless drivers. Just one chargable violation can increase rates by as much as thirty percent. Drivers who have received serious citations such as reckless driving, hit and run or driving under the influence might be required by their state to file a SR-22 with the DMV in their state in order to prevent their license from being revoked.
  • Male rates may be higher – Statistics have proven women are more cautious behind the wheel. The data does not necessarily mean that males are worse at driving than females. Both genders cause fender benders at a similar rate, but the males cause more damage. In addition to higher claims, males also get more serious tickets like DUI and reckless driving.
  • Use but don’t abuse your insurance – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Car insurance companies generally give lower rates to drivers that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
  • Get hitched and pay lower costs – Having a spouse may earn you lower rates on your policy. It may mean you are more financially stable it has been statistically shown that married drivers get in fewer accidents.

Insurance agents can help

When choosing coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

  • Do I need motorclub coverage?
  • When should my teen driver be added to my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does coverage extend to Mexico or Canada?
  • Will my rates increase for filing one claim?
  • Is my state a no-fault state?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Is there deception in advertising?

Consumers can’t get away from all the ads for cheaper insurance by Progressive, Geico, Allstate and State Farm. They all seem to make the same claim that drivers will save a bundle if you get a free auto insurance quote and switch your insurance coverage to their company.

How does every insurance company give you a lower rate? Just pay attention to how they say it.

Most companies have underwriting criteria for the right customer that is profitable for them. One example of this type of driver could be between the ages of 40 and 55, has no tickets, and drives a car with an anti-theft system. Anybody that hits that “sweet spot” is entitled to the best price as well as save a lot of money.

Drivers who do not fit those criteria will have to pay a more expensive rate which leads to business going elsewhere. The wording the ads use say “people who switch” but not “everyone who gets a quote” save that much when switching. That is how companies can make it sound like they have such great prices. Because of these techniques, drivers should compare free auto insurance quotes often. You cannot predict which insurance company will fit you best based on your risk profile.

Specifics of your car insurance policy

Knowing the specifics of car insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Bentley Mulsanne.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, driving through your garage door, damaging your car on a curb, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills like chiropractic care, nursing services and funeral costs. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Auto liability insurance

This coverage protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims like repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses and court costs. How much coverage you buy is up to you, but buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. 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 getting keyed, a tree branch falling on your vehicle and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Quote often and quote early

When you buy auto insurance online, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where an insured cut physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

People who switch companies do it for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, lack of trust in their agent or an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company can be pretty painless.

In this article, we covered some good ideas how to compare 2018 Bentley Mulsanne insurance premium rates online. The key thing to remember is the more you quote auto insurance, the higher your chance of finding the cheapest auto insurance. You may be surprised to find that the lowest premium rates come from some of the smallest insurance companies.

Much more information about insurance coverage can be found on the following sites: