How Much Does 2012 Bentley Continental Flying Spur Insurance Cost?

Searching for better insurance coverage rates? Consumers have a choice when looking for low-cost Bentley Continental Flying Spur insurance. You can either waste hours calling around to get rate comparisons or use the internet to compare rates.

There is a right way and a wrong way to buy insurance coverage so you’re going to learn the proper way to get price quotes on a Bentley and find the cheapest rates.

Don’t pay full price with these discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Most are applied at the time you complete a quote, but a few must be specifically requested before they will apply. If you don’t get every credit available, you are paying more than you should be.

Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.
Good Student Discount – A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
New Vehicle Savings – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
Homeowners Discount – Owning a house can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.

Consumers should know that most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way. But any discount will bring down the cost of coverage.

Insurance companies that may offer these money-saving discounts are:

Double check with all companies you are considering which discounts you may be entitled to. Some discounts may not apply everywhere.

Bentley Continental Flying Spur rate determination is complex

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that will entitle you to lower auto insurance prices.

Shown below are a partial list of the pieces auto insurance companies consider when setting prices.

Extra add-on coverages are wasting money – There are quite a few extra bells and whistles you can purchase if you aren’t careful. Insurance for roadside assistance, better glass coverage and membership fees are examples of these. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
Marriage pays dividends – Getting married can actually save you money on auto insurance. Having a significant other translates into being more responsible it has been statistically shown that married drivers get in fewer accidents.
Do you know your deductibles? – Physical damage deductibles define the amount you are willing to pay in the event of a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The more money you’re willing to pay, the bigger discount you will receive on Continental Flying Spur coverage.
Your credit rating is important – Credit score is a big factor in calculating your auto insurance rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit ratings. So if your credit is low, you could be paying less to insure your 2012 Bentley Continental Flying Spur by spending a little time repairing your credit.

Your personal situation dictates your coverage

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

Is a fancy paint job covered?
Is my 2012 Bentley Continental Flying Spur covered for flood damage?
Does having multiple vehicles earn me a discount?
Am I covered when using my vehicle for business?
Is a new car covered when I drive it off the dealer lot?
Can my teen driver be rated on a liability-only vehicle?
Do I need motorclub coverage?
What discounts do I qualify for?
Am I covered when driving in Canada or Mexico?

If you don’t know the answers to 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, take a second and complete this form. It’s fast, free and you can get the answers you need.

Don’t listen to company ads

Consumers can’t ignore all the ads for the lowest price auto insurance by State Farm and Allstate. All the companies make the same claim about savings after switching to their company.

How can each company make almost identical claims?

Insurance companies can use profiling for the driver they prefer to insure. An example of a profitable customer might be profiled as over the age of 40, has no prior claims, and has excellent credit. A propective insured who fits that profile gets the lowest rates and therefore will save quite a bit of money when switching.

Drivers who are not a match for this ideal profile will be quoted a more expensive rate which leads to the customer not buying. The ads state “customers that switch” not “people who quote” save that much. That’s the way insurance companies can confidently state the savings.

This emphasizes why you absolutely need to get as many quotes as possible. Because you never know which insurance companies will give you the biggest savings on Bentley Continental Flying Spur insurance.

Auto insurance coverages and their meanings

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, rock chips in glass, falling objects and hitting a deer. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for things like doctor visits, EMT expenses, ambulance fees, prosthetic devices and X-ray expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

UM/UIM Coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Bentley Continental Flying Spur.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Collision coverage

This will pay to fix damage to your Continental Flying Spur caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability car insurance

This coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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 values of 50/100/50 which means a $50,000 limit per person for injuries, 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 rather than limiting it on a per person basis.

Liability coverage pays for things like repair bills for other people’s vehicles, repair costs for stationary objects and bail bonds. How much coverage you buy is up to you, but you should buy higher limits if possible.

In Summary

In this article, we presented a lot of tips how to reduce 2012 Bentley Continental Flying Spur insurance prices online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the most savings is with a small mutual company.

While you’re price shopping online, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped liability limits or collision coverage only to find out that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

People leave their current company for a variety of reasons including delays in paying claims, denial of a claim, policy non-renewal and extreme rates for teen drivers. Regardless of your reason, switching companies can be less work than you think.