2003 Bentley Continental Insurance Quotes – 7 Ways to Save

Searching for better insurance prices for a new or used Bentley Continental can normally be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to find auto insurance online so we’re going to tell you the quickest way to get price quotes on a Bentley and locate the best price possible.

The quickest way to compare insurance rates in your area utilizes the fact car insurance companies allow for online access to give free rates quotes. The only thing you need to do is provide a little information like how much you drive, marital status, if you have an active license, and whether you drive to work or school. The rating information is instantly sent to multiple companies and you will receive price estimates instantly to find the best rate.

To get price quotes for your 2003 Bentley Continental, click here and complete the quick form.

Do you really save 40% when you switch?

Drivers can’t get away from ads for car insurance savings by companies like Progressive, Geico, Allstate and State Farm. They all seem to make the same claim that you can save if you change to them.

But how can every company say the same thing?

Insurance companies can use profiling for the type of driver that earns them a profit. A good example of a preferred risk could be between 30 and 50, owns a home, and chooses high deductibles. A driver who matches those parameters gets the lowest rates and most likely will save when switching.

Potential customers who do not match this ideal profile must pay higher premiums and ends up with the customer not buying. The ads state “drivers who switch” not “people who quote” save money. This is how companies can advertise the way they do.

This illustrates why you should get as many quotes as possible. You cannot predict which company will provide you with the cheapest Bentley Continental insurance rates.

Lower rates by qualifying for these seven discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but some may not be applied and must be asked for before being credited. If you’re not getting every credit possible, you are paying more than you should be.

  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Discount for Life Insurance – Some companies give better rates if you take out auto and life insurance together.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Bentley could be rewarded with a substantially lower rate.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Passive Restraints – Cars that have air bags or motorized seat belts can get savings of 20% or more.
  • Student in College – Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Accident Free – Claim-free drivers can save substantially when compared to frequent claim filers.

It’s important to note that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will cut your premiums.

For a list of providers offering car insurance discounts, click here.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions might point out if your insurance needs will benefit from professional help.

  • When can my company non-renew my policy?
  • Is my 2003 Bentley Continental covered for flood damage?
  • When can I cancel my policy?
  • Should I sign the liability waiver when renting a car?
  • Is my teen driver covered when they drive my company car?
  • How much can I save by bundling my policies?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Car insurance policy coverages for a 2003 Bentley Continental

Having a good grasp of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision coverage – Collision insurance covers damage to your Continental from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, hitting a mailbox, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for expenses like rehabilitation expenses, funeral costs, ambulance fees, nursing services and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a deer. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance – This provides protection from damage or injury you incur to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical expenses, structural damage and medical services. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Bentley Continental.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

A little work can save a LOT of money

Cheap 2003 Bentley Continental insurance can be purchased online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some auto insurance companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Throughout this article, we presented many ways to get a better price on insurance. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the most savings is with a smaller regional carrier.

People change insurance companies for any number of reasons including delays in responding to claim requests, being labeled a high risk driver, high rates after DUI convictions and not issuing a premium refund. It doesn’t matter why you want to switch finding the right auto insurance provider is not as hard as you think.

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