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2002 Bentley Continental Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Finding affordable insurance online can be somewhat difficult for consumers not familiar with price shopping online. Since there are so many choices, how can anyone effectively compare every company to locate the cheapest rates?

It’s a great practice to compare prices occasionally because insurance rates are adjusted regularly by insurance companies. Just because you found the best rates on Continental insurance on your last policy you can probably find a better price now. Starting right now, forget anything you know (or think you know) about insurance because it’s time to teach you one of the quickest ways to save money, get proper coverage and the best rates.

If you currently have car insurance, you stand a good chance to be able to save some money using this information. This information will help educate you on the best way to quote coverages and some money-saving tips. Nevertheless, vehicle owners do need to understand how the larger insurance companies sell online and take advantage of how the system works.

Lots of discounts mean lots of savings

Auto insurance companies don’t always list all available discounts very clearly, so we researched some of the more common as well as the least known savings tricks you should be using.

  • Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Homeowners Savings – Being a homeowner can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Driver’s Ed – Have your child complete a driver education course in school.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Organization Discounts – Affiliation with a qualifying organization may earn a discount when shopping for auto insurance on Continental insurance.
  • Driver Safety – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Distant Student – Any of your kids who are attending college and do not have a car can be insured at a reduced rate.

Drivers should understand that most of the big mark downs will not be given the whole policy. Most cut the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

Insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Before buying, ask every prospective company how you can save money. All car insurance discounts may not be available in your state.

Bentley Continental insurance rates have many determining factors

It’s important that you understand some of the elements that come into play when calculating car insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in big savings.

The list below includes a few of the “ingredients” used by your company to calculate premiums.

  • Multiple policies with one company can save – Some car insurance companies provide better rates to customers who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare rates to verify if the discount is saving money. Drivers may still find a better deal by insuring with multiple companies.
  • Your job and insurance rates – Did you know your job can affect your rates? Careers like real estate brokers, business owners and stock brokers have the highest rates due to job stress and long work days. On the other hand, occupations like actors, students and performers get better rates on Continental insurance.
  • Don’t let your coverage lapse – Allowing your coverage to lapse will be a quick way to pay more for car insurance. Not only will rates go up, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Do you know you’re credit rating? – Credit history is a huge factor in determining what you pay for car insurance. So if your credit is not that good, you could pay less to insure your 2002 Bentley Continental by repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores.
  • How your age affects price – Teenage drivers are known to get distracted easily in a vehicle so car insurance rates are higher. Mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.

Situations that might require an agent

When buying adequate coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

  • How many claims can I have before being canceled?
  • Does medical payments coverage apply to all occupants?
  • Should I sign the liability waiver when renting a car?
  • Am I covered if I crash into my own garage door?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverages 101

Learning about specific coverages of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, theft, a broken windshield, hitting a deer and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as surgery, nursing services, doctor visits and EMT expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, sustaining damage from a pot hole, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability car insurance

This protects you from injuries or damage you cause to other’s property or people. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as bail bonds, attorney fees and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Stretch your dollar

In this article, we covered quite a bit of information on how to lower your 2002 Bentley Continental insurance rates. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the lowest priced auto insurance comes from a small local company.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. In many cases, someone dropped full coverage only to regret at claim time they didn’t purchase enough coverage. The aim is to get the best coverage possible at the best price while not skimping on critical coverages.

Consumers who switch companies do it for a variety of reasons including unfair underwriting practices, being labeled a high risk driver, extreme rates for teen drivers or even delays in paying claims. Regardless of your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

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