2006 Bentley Continental Flying Spur Insurance Quotes – 6 Policy Discounts

Trying to find better car insurance rates for your Bentley Continental Flying Spur? Expensive car insurance can dwindle your bank account and put the squeeze on your family’s finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Since consumers have many options, it’s difficult to choose the most cost effective provider.

You should make it a habit to check car insurance prices once or twice a year due to the fact that insurance rates are usually higher with each renewal. Just because you found the best price on Continental Flying Spur insurance a couple years back you will most likely find a better rate today. So just block out anything you think you know about car insurance because you’re going to get a crash course in the things you must know in order to save money, get proper coverage and the best rates.

Pricing the lowest cost insurance can be fairly easy. If you have insurance now or need a new policy, you can follow these tips to reduce the price you pay while maintaining coverages. Consumers just need to learn the most efficient way to compare prices online.

Compare the Market for Auto Insurance

Performing a rate comparison can be a lot of work if you aren’t aware of the fastest way to get free quotes. You could spend the better part of a day talking to insurance companies in your area, or you could save time and use online quoting for quick rates.

All the larger companies take part in a program that allows shoppers to complete one form, and every company returns a rated price based on the submitted data. This saves time by eliminating quotation requests to every company.

To compare 2006 Bentley Continental Flying Spur rates using this form now click to open in new window.

The only drawback to comparing rates this way is you can’t choose the providers you will receive quotes from. If you would rather choose specific providers for rate comparison, we put together a list of low cost auto insurance companies in your area. Click here to view list.

Whichever method you choose, make sure you use apples-to-apples quote information for every quote you compare. If you are comparing different limits and deductibles on each one it’s impossible to make a fair comparison for your Bentley Continental Flying Spur.

Is there deception in advertising?

Consumers can’t get away from ads for cheaper car insurance by 21st Century, Allstate and State Farm. All the ads make the same claim that you’ll save big if you switch to their company.

How do they all claim to save you money? This is how they do it.

All the different companies can use profiling for the driver they prefer to insure. For example, a driver they prefer might be between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. Any driver who meets those qualifications will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Consumers who don’t measure up to this ideal profile will be quoted more money and ends up with business going elsewhere. The ad wording is “people who switch” not “people who quote” save money. That is how insurance companies can make those claims.

This emphasizes why you need to get a wide range of price quotes. It is impossible to predict which company will fit your personal profile best.

Discounts are available to cut your rates

Insurance can cost an arm and a leg, but companies offer discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but less common discounts must be requested specifically prior to receiving the credit. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Continental Flying Spur insurance.
  • College Student – Any of your kids who are attending college and do not have a car may qualify for this discount.
  • Safety Course Discount – Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Drivers Ed for Students – Have your child enroll in driver’s education in high school.
  • Multiple Cars – Buying coverage for all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.

Consumers should know that most credits do not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will help reduce your overall premium however.

For a list of insurance companies with the best auto insurance discounts, click here to view.

Everyone needs different coverages

When it comes to buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different so this has to be addressed. These are some specific questions can help discover if your insurance needs might need professional guidance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need an umbrella policy?
  • Who is covered when they drive my 2006 Bentley Continental Flying Spur?
  • Do I really need UM/UIM coverage?
  • Should I have combined single limit or split liability limits?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Coverage specifics

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as rehabilitation expenses, X-ray expenses, surgery and chiropractic care. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This coverage can cover damage that occurs to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like medical expenses, repair costs for stationary objects and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (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 then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a broken windshield, fire damage, damage from flooding, hail damage and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2006 Bentley Continental Flying Spur.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these limits are set the same as your liablity limits.

Collision – Collision coverage covers damage to your Continental Flying Spur resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as scraping a guard rail, colliding with a tree, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

More effort can pay off

Discount 2006 Bentley Continental Flying Spur insurance is available from both online companies and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

We just presented a lot of ways to compare insurance prices online. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the best price on insurance is with some of the smallest insurance companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

Additional insurance information is available at the links below