Want better auto insurance rates for your Bentley Continental Supersports Convertible? Buying affordable auto insurance over the internet can be impossible for consumers new to comparison shopping online. With dozens of online companies, how can anyone have a chance to compare every one to find the cheapest available price?
If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. The purpose of this post is to introduce you to how to get online quotes and some money-saving tips. But consumers can benefit from knowing how big insurance companies determine prices and apply this information to your search.
Auto insurance companies don’t always advertise all available discounts very well, so the following is a list of some of the best known as well as the least known ways to save on car insurance.
A little note about advertised discounts, some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, you’re out of luck.
Companies that possibly offer some of the above discounts are:
It’s a good idea to ask each insurance company which discounts you may be entitled to. Some discounts might not be offered in your state.
When choosing coverage, there is no best way to insure your cars. Every insured’s situation is different.
For instance, these questions could help you determine whether or not you might need an agent’s assistance.
If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
Understanding the coverages of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.
Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as hitting a parking meter, backing into a parked car, colliding with another moving vehicle, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as vandalism, falling objects, hitting a deer and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Med pay and PIP coverage reimburse you for immediate expenses for things like funeral costs, hospital visits, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Liability coverage protects you from injuries or damage you cause to a person or their property. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against claims such as funeral expenses, bail bonds and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Bentley Continental Supersports Convertible.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Insureds who switch companies do it for any number of reasons including not issuing a premium refund, lack of trust in their agent, being labeled a high risk driver and poor customer service. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.
Low-cost 2011 Bentley Continental Supersports Convertible insurance can be sourced both online as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies don’t offer online quoting and these regional insurance providers work with independent agents.
We just covered some good ideas how to compare insurance prices online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the most savings is with the least-expected company.
Additional auto insurance information is available on the following sites: