Compare 2002 Bentley Continental Insurance Quotes

Overwhelmed by the wide range of auto insurance choices? You have a lot of company. Consumers have so many choices that it can turn into a ton of work to find the perfect company for you.

Smart consumers take time to compare prices once or twice a year because prices change quite often. Just because you found the lowest price for Continental insurance last year the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance online, so by reading this article, you’re going to learn the easiest ways to stop overpaying for insurance.

Finding affordable coverage is easy if you know what you’re doing. If you currently have car insurance, you should be able to save some money using this strategy. But drivers should learn how companies determine prices and apply this information to your search.

Low Cost Insurance

All the larger insurance companies like State Farm, Allstate and Geico provide prices for coverage on their websites. Getting quotes is pretty painless as you just type in the amount of coverage you want as requested by the quote form. After you submit the form the company’s rating system sends out for your driving and credit reports and returns a price.

Being able to quote online streamlines rate comparisons, but having to visit several different sites and enter the same data into a form can be a bit repetitive. But it is imperative to perform this step if you want to find the best price possible.

A quicker way to lower your insurance bill makes use of a single form that analyzes rates from multiple companies. It’s a real time-saver, requires much less work on your part, and makes online quotes much easier to do. Once the form is submitted, it is rated with multiple companies and you can pick any one of the quote results. If a lower price is quoted, you can simply submit the application and purchase the new policy. This process just takes a couple of minutes and may save quite a bit of money.

To compare rates now, simply click here to open in new window and submit the form. To compare your current rates, we recommend you copy coverages and limits identical to your current policy. This way, you will be getting rate comparison quotes based on the exact same insurance coverage.

These factors can influence what you pay for Bentley Continental insurance

It’s important that you understand the factors that come into play when calculating your insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with lower insurance prices.

The list below includes a partial list of the pieces that factor into rates.

  • Discounts for married couples – Having a spouse can actually save you money on your policy. It is viewed as being more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores tend to have better insurance rates. Safer cars protect occupants better and any reduction in injury severity means lower claim amounts and thus lower rates. If your Bentley Continental scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Small claims can cost you – If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Auto insurance companies award better rates to people who do not file claims often. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • How many coverages with the same company – Most companies give discounts to policyholders who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to ensure the best deal. You may still be able to find better rates by insuring with multiple companies.
  • Where you live can impact rates – Choosing to live in a rural area can save you money when buying insurance. Fewer people means reduced accidents. Drivers in populated areas tend to have traffic congestion and longer commute times. Longer commute distances translates into higher accident risk.
  • Do you work long hours in a high stress job? – Occupations such as real estate brokers, architects and stock brokers are shown to have the highest rates in part from high stress levels and long work hours. On the other hand, occupations such as farmers, students and the unemployed pay the least for Continental insurance.
  • Liability coverage is cheap – Liability coverage will protect you when you are found liable for personal injury or accident damage. Liability provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • A clean driving record saves money – Your driving record has a lot to do with how much you pay for insurance. Even a single moving violation can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates than bad drivers. Drivers who get serious violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.

Are you getting all your discounts?

Auto insurance companies don’t list every discount in an easy-to-find place, so here is a list some of the more common and the more hidden discounts you could be receiving.

  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.
  • Drive Safe and Save – Safe drivers may save up to 50% more for Continental insurance than drivers with accident claims.
  • Multiple Cars – Buying insurance for all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Lower Rates for Military – Having a deployed family member can result in better rates.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

To see a list of insurers who offer car insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions can help discover if your insurance needs would benefit from professional advice.

  • Do I need an umbrella policy?
  • Am I covered if I wreck a rental car?
  • Am I covered if I break a side mirror?
  • Why does it cost so much to insure a teen driver?
  • What can I do if my company denied a claim?
  • Is my cargo covered for damage or theft?
  • What if I total my 2002 Bentley Continental and owe more than it’s worth?
  • Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Insurance coverages 101

Knowing the specifics of insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills such as prosthetic devices, hospital visits, surgery, EMT expenses and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Bentley Continental.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, sideswiping another vehicle, damaging your car on a curb, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, hitting a bird, damage from a tornado or hurricane, a broken windshield and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability

This provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like bail bonds, loss of income, court costs, attorney fees and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Buy Smart and Save

We covered a lot of tips how to lower your 2002 Bentley Continental insurance rates. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the best price on insurance is with some of the smallest insurance companies.

Consumers who switch companies do it for a variety of reasons including lack of trust in their agent, poor customer service, not issuing a premium refund or being labeled a high risk driver. No matter why you want to switch, finding a new company is less work than it seems.

When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. Too many times, an insured dropped collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

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