2015 Bentley Mulsanne Car Insurance Quotes

Finding low cost prices on auto insurance could be a challenge for drivers who are new to online comparison shopping. Consumers have so many companies to choose from that it can turn into a difficult mission to find better rates.

Consumers should take time to get comparison quotes periodically because rates change frequently. If you had the best premium rates on Mulsanne coverage at your last renewal you will most likely find a better price today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the fastest and easiest way to find the best coverage while lowering your premiums.

How to compare insurance coverage quotes

Shopping for lower insurance coverage rates can be a daunting task if you don’t know the fastest way to get free quotes. You can spend countless hours talking about coverages with agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

All the larger companies participate in an industry program where prospective buyers submit one quote, and at least one company provides a quote based on that data. This eliminates the need for quote requests to each company. To use this form to compare rates click here (opens in new window).

The single downside to pricing coverage this way is you can’t choose the providers to get quotes from. If you wish to select individual companies to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

The approach you take is up to you, just ensure you are comparing identical coverages and limits for every quote you compare. If you are comparing mixed coverages it’s impossible to determine the lowest rate for your Bentley Mulsanne. Slightly different insurance coverages or limits may result in large price differences. And when comparing insurance coverage rates, know that having more price comparisons helps increase your odds of locating the best price. Some companies don’t provide price estimates online, so it’s important to also get quotes from those companies as well.

Find discounts on car insurance

Car insurance companies do not advertise every policy discount very well, so we researched both the well known as well as some of the hidden credits available to lower your premiums when you buy insurance online.

  • Discount for Good Grades – Being a good student may save as much as 25% on a insurance quote. Earning this discount can benefit you well after school through age 25.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
  • Telematics Data – Drivers that enable their insurance company to scrutinize when and where they use their vehicle by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates as long as the data is positive.
  • E-sign – Some of the larger companies provide a small discount for signing up over the internet.
  • New Vehicle Savings – Adding a new car to your policy can save you some money because newer vehicles keep occupants safer.
  • No Charge for an Accident – Not really a discount, but a few companies such as Allstate and GEICO will forgive one accident before they charge you more for coverage as long as you don’t have any claims for a specific time period.
  • ABS Brakes – Vehicles that have anti-lock braking systems prevent accidents and will save you 10% or more.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can reduce rates for all insured vehicles.
  • Professional Memberships – Participating in a civic or occupational organization could qualify you for a break on your policy.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, you aren’t that lucky.

A list of companies and a selection of discounts include:

  • AAA may offer discounts for multi-car, good driver, good student, pay-in-full, education and occupation, AAA membership discount, and anti-theft.
  • Progressive policyholders can earn discounts including online quote discount, multi-vehicle, online signing, homeowner, and continuous coverage.
  • State Farm offers premium reductions for safe vehicle, driver’s education, multiple policy, Drive Safe & Save, and defensive driving training.
  • Esurance has savings for Pac-12 alumni, anti-lock brakes, multi-car, Switch & Save, multi-policy, paid-in-full, and good driver.
  • Nationwide has discounts for accident-free, multi-policy, anti-theft, Farm Bureau membership, and business or organization.

Check with all the companies which credits you are entitled to. Savings may not apply in your area. To see insurance companies offering car insurance discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

  • Am I covered when using my vehicle for business?
  • Is my custom paint covered by insurance?
  • At what point should I drop full coverage?
  • Do I need more liability coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Is other people’s property covered if stolen from my vehicle?
  • Why am I required to buy liability insurance?
  • Do I pay less for low miles?
  • Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Specific coverage details

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability coverage

This coverage provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as loss of income, repair costs for stationary objects, medical services, emergency aid and attorney fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Collision coverage

This pays for damage to your Mulsanne from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, driving through your garage door, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your 2015 Bentley Mulsanne.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, vandalism, falling objects, fire damage and theft. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses like prosthetic devices, rehabilitation expenses and doctor visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage