Nothing speaks to affluence and success like driving around town in a Bentley. These ultra-luxurious cars provide a smooth and comfortable ride, and along with their classic styling, Bentleys carry all the modern conveniences you have come to expect in a vehicle. If you are considering purchasing a Bentley, you may have a lot of questions about these cars ranging from their safety and performance to their insurance costs. If you already own one, you may want to ensure that you are not paying too much for your Bentley insurance.
An agent in the Trusted Choice® network can help you by providing you with a variety of Bentley car insurance options from several top-rated insurance providers. Find a member agent near you to learn more, and you can start comparing Bentley insurance quotes today.
When you buy a Bentley, you are making an extremely large investment in your vehicle. These are some of the most expensive cars in the world and, when they are well-cared for, they can actually appreciate in value. You will want to be sure to protect your investment by including comprehensive coverage with your Bentley insurance policy. That way, if your car is stolen, vandalized or otherwise damaged while not on the road, you can receive full compensation for your losses.
Despite their extremely high costs, Bentleys are rarely reported stolen. Much of this may have to do with the way that Bentley owners use and store their vehicles. Most drive their Bentleys infrequently and keep them in well-secured garages when not in use. Another reason for the low theft rate is that there are very few of these vehicles on the road, and that makes it easy for law enforcement to spot and track down a stolen Bentley. This makes them unattractive to car thieves.
Bentley has a virtually untarnished reputation when it comes to safety and performance, as is to be expected of cars of this caliber. This fact works in your favor when it comes to insurance rates. All Bentley vehicles currently in production come equipped with standard safety features that include:
These safety features decrease your risk of injury if you are involved in a motor vehicle accident, and insurance companies take this into consideration when determining your Bentley insurance policy rates, especially with regards to medical payments coverage and uninsured/underinsured motorist coverage.
Bentley is currently producing the following models:
MSRPs listed above are for base models, and do not include any additional options, which can raise the price tag significantly. Of these cars, the most popular in the United States are the Continental GT, the Continental Supersports Convertible and the Mulsanne.
Though the base model starts at $174,000, a fully-loaded GT Coupe with a flex-fuel engine will cost you more than $374,000. This vehicle gets 15 miles per gallon in the city and 24 miles per gallon on the highway. It features an 8-speed shiftable automatic transmission and at 6,063-pounds, this coupe generates 500-horsepower and 487-pounds of torque which allows it to get from 0 to 60 in 4.5 seconds and reach maximum speeds of 197.6 miles per hour.
Critics rave about the world-class craftsmanship of this car’s interior, but state that the rear-seats are rather cramped. While many state that this car is easy to drive, it feels heavy on the road and doesn’t handle as well as many other cars in its class. Despite these drawbacks, however, this vehicle provides a smooth ride and the reliability and quality you expect from a Bentley.
Though the base model starts at $280,400, a fully-loaded Supersports Convertible can cost more than $475,000. This vehicle gets 12 miles per gallon in the city and 19 miles per gallon on the highway. It comes equipped with a flex-fuel engine as part of the standard package. At 5,500-pounds, this convertible generates 567-horsepower and 516-pounds of torque, which allows it to get from 0 to 60 in 4.5 seconds and reach maximum speeds of 198 miles per hour.
These cars mix the maneuverability, speed and power of a sports car with the comfort and luxury one expects from a Bentley. The result is a ride that one review describes as like sitting on a “magic flying carpet.” This is the perfect vehicle for someone who wants the best of both worlds.
Though the base model starts at $296,000, a fully-loaded Mulsanne will cost you approximately $420,000. This vehicle gets 11 miles per gallon in the city and 18 miles per gallon on the highway. It features a turbocharged gas V8 engine, and at 5,700-pounds, this 5-passenger sedan generates 505-horsepower and 752-pounds of torque, which allows it to get from 0 to 60 in 5.1 seconds and reach maximum speeds of 184 miles per hour.
This large but sporty mid-size vehicle is the flagship for the Bentley line of sedans. Just as opulent as a Rolls-Royce, but more understated, the Mulsanne features a spacious and comfortable interior in both the front and rear seats. Critics frequently comment on the ample legroom this vehicle offers all passengers.
When it comes to liability, the more you own, the more you have to lose. If you own or are considering purchasing a Bentley, you probably have more to lose than the average car owner. For this reason, most financial advisors recommend Bentley owners to purchase as much liability insurance as possible. Many Bentley owners add an umbrella policy for extra protection. An agent in the Trusted Choice network can help you find a suitable umbrella insurance policy to accompany your Bentley car insurance.
Given that most Bentley owners purchase the maximum liability coverage as well as comprehensive and collision insurance, and taking into account the high value of these cars, one might expect to find Bentleys listed among the most expensive cars to insure. However, the average premiums paid for these vehicles is lower than the average cost of many other vehicles, and a policy can often be purchased for under $2,000 year.
The reason costs are so low is that Bentleys are almost exclusively driven by middle aged drivers who own other vehicles as well. Bentleys tend to be driven infrequently and conservatively, and therefore present less risk of a collision payout. However, it should be noted that for younger drivers, insuring a Bentley is extremely expensive. A 22-year old driver can expect to pay more than $16,500 a year for Bentley insurance.
Bentley vehicles are expensive to purchase, maintain and insure, but for many affluent drivers, these high-quality, luxury vehicles are the perfect choice. Before purchasing one of these high-end vehicles, be sure to factor in the costs of maintenance and insurance when determining how much owning a Bentley will cost you. If you already own a Bentley, you may need to review your current insurance policy, to confirm that you are not overpaying for your coverage.
An agent in the Trusted Choice network can help you determine whether you are suitably protecting your assets with enough liability coverage, and can ensure that you are receiving your Bentley car insurance at a competitive rate. Contact a local member agent today for more information about Bentley insurance.