5 Tricks to Save on Bentley Mulsanne Insurance in Nevada
Are you a victim of an overpriced car insurance policy? Believe me, there are many people just like you. With so many companies and agents to choose from, it can be diffult for consumers to choose the most affordable insurer.
Compare the Market for Car Insurance in Nevada
Comparing car insurance rates can take time and effort if you don’t utilize the easiest way. You could spend your day talking about coverages with local insurance agents in your area, or you can utilize online quoting for quick rates.
Most of the best insurance companies enroll in a system that enables customers to only type in their quote data once, and each participating company provides a quote based on that information. This saves time by eliminating form submissions for each company.
To access this free quoting program, click here to open in new window.
The only drawback to doing it this way is you don’t know exactly which carriers to get quotes from. If you wish to select from a list of companies to request quotes from, we have assembled a list of companies who write car insurance in Nevada. Click here for list of insurance companies in Nevada.
It’s your choice how you get your quotes, but make absolute certain that you use exactly the same deductibles and coverage limits for each comparison quote. If each company quotes mixed coverages it’s impossible to truly determine the lowest rate.
Do you qualify for these 5 discounts?
Insurance can cost an arm and a leg, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but a few need to be manually applied before you will receive the discount. If you aren’t receiving every discount possible, you are throwing money away.
- Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
- Multiple Policy Discount – When you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.
- Senior Discount – If you qualify as a senior citizen, you may be able to get better car insurance rates for Mulsanne coverage.
- Government Employees – Simply working for the federal government could cut as much as 10% off for Mulsanne coverage with select insurance companies.
- Discount for Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
Consumers should know that some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will reduce your overall premium however.
Car insurance coverages for a Bentley Mulsanne
Understanding the coverages of a car insurance policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most car insurance policies.
Collision protection
Collision coverage covers damage to your Mulsanne resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as scraping a guard rail, crashing into a building, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
UM/UIM Coverage
This provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Bentley Mulsanne.
Since a lot of drivers carry very low liability coverage limits (15/30/10 in Nevada), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are set the same as your liablity limits.
Auto liability insurance
This can cover damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for things like medical services, court costs, repair costs for stationary objects and funeral expenses. How much coverage you buy is your choice, but consider buying as large an amount as possible. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry more coverage.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as prosthetic devices, funeral costs, nursing services, hospital visits and X-ray expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible
Comprehensive or Other Than Collision
This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a bird and rock chips in glass. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Quote often and quote early
As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There are many occasions where someone dropped liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.
In this article, we covered a lot of information how to save on Bentley Mulsanne insurance. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even discover the lowest premiums are with the smaller companies. Regional companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, GEICO and Nationwide.
Lower-priced Bentley Mulsanne insurance is available both online as well as from independent agents in Nevada, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.
More consumer information in Nevada
More information can be found on the website for the Nevada Division of Insurance found here. Nevada consumers can read consumer alerts, discover disciplinary actions, and find out which companies have the most complaints.
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