2001 Bentley Continental Car Insurance Cost – 9 Savings Tips

Want cheaper insurance rates for your Bentley Continental? Finding cheaper insurance quotes online can be complicated if you are one of the many people who have never used online insurance quotes. But don’t throw in the towel because comparing rates is actually very simple.

You need to check insurance prices occasionally because prices change regularly. Just because you found the best rates for Continental coverage six months ago you can probably find a better rate quote now. You can find a lot of wrong information about insurance online but in just a couple of minutes you can learn the easiest ways to find cheap insurance.

Affordable insurance coverage rates with discounts

Insurance coverage is expensive, but there could be available discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but some may not be applied and must be manually applied before being credited.

  • Good Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates for Continental coverage than drivers with accidents.
  • Senior Discount – Older drivers are able to get reduced rates for Continental coverage.
  • Low Mileage Discounts – Fewer annual miles on your Bentley could be rewarded with discounted prices on garaged vehicles.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Federal Employees – Federal government employees could qualify for a slight premium decrease for Continental coverage depending on your company.
  • Claim-Free Discount – Drivers who don’t have accidents can save substantially as opposed to bad drivers.
  • Distant Student Discount – Children who are enrolled in higher education away from home and leave their car at home may be able to be covered for less.
  • Passive Restraints – Vehicles with factory air bags may earn rate discounts of 20% or more.
  • Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you may reduce your total bill.

A quick disclaimer, most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like you could get a free insurance coverage policy, that’s just not realistic.

Larger insurance coverage companies and a summarized list of policyholder discounts are:

  • Mercury Insurance may have discounts that include good driver, low natural disaster claims, multi-car, professional/association, and anti-theft.
  • Farmers Insurance has discounts for good student, multi-car, bundle discounts, business and professional, and pay in full.
  • Farm Bureau discounts include 55 and retired, multi-policy, safe driver, good student, youthful driver, renewal discount, and multi-vehicle.
  • State Farm may include discounts for multiple policy, accident-free, defensive driving training, anti-theft, and passive restraint.
  • Allstate policyholders can earn discounts including defensive driver, premier plus, good student, farm vehicle, senior citizen, safe driver, and anti-theft.
  • GEICO may offer discounts for five-year accident-free, membership and employees, military active duty, emergency military deployment, air bags, and good student.

When comparing rates, check with every company the best way to save money. Some discounts might not be available to policyholders in your state. To choose insurance coverage companies that provide some of the discounts listed above, follow this link.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique.

For example, these questions might help in determining if you might need professional guidance.

  • Does coverage extend to my business vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my medical payments coverage pay my health insurance deductible?
  • What exactly is covered by my policy?
  • Is my 2001 Bentley Continental covered for flood damage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Specific coverage details

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring.

Uninsured or underinsured coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Bentley Continental.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like theft, fire damage, damage from flooding and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.


This protects you from injuries or damage you cause to other people or property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical services, medical expenses, loss of income, structural damage and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Collision protection

Collision coverage pays for damage to your Continental resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills for ambulance fees, dental work, X-ray expenses and EMT expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Don’t break the bank

Some insurance providers do not offer rate quotes online and many times these smaller providers work with independent insurance agencies. Cheaper insurance coverage is possible both online in addition to many insurance agents, and you should be comparing both to have the best selection.

Insureds change insurance companies for a number of reasons such as policy non-renewal, an unsatisfactory settlement offer, unfair underwriting practices or delays in paying claims. It doesn’t matter what your reason, switching companies is not as hard as you think.

When shopping online for insurance coverage, make sure you don’t reduce coverage to reduce premium. There have been many situations where an insured dropped uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

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