Getting insurance for your Bentley Bentayga is an important step you can take to protect yourself and your vehicle. Road accidents, weather damage, collisions, and theft are possibilities for any car owner, so having the coverage you need can help you avoid financial hardships. Learning about insurance for your Bentayga and the protections it provides can help you choose a policy. Keep reading to learn more about insuring your Bentley Bentayga and the costs of coverage.
The Bentley Legacy
The Bentley Bentayga is the most recent SUV from this renowned maker of luxury vehicles. This vehicle carries the legacy of Bentley, one of the most-recognized luxury vehicle brands in the United States. While it’s known for opulence, Bentley has combined new technology with powerful performance to bring to market one of its most powerful vehicles yet. The Bentayga has options such as a hybrid or a V-8 engine, depending on the specific model you choose. As the height of luxury, the vehicle is available as a commission, and Bentley customizes a new vehicle for each owner.
It’s important to protect all the features this SUV offers with a car insurance policy. Things you should consider when choosing a policy include the coverage you want and how the company calculates the cost of your insurance based on different factors.
What Is Car Insurance?
Car insurance is financial protection for you and your vehicle. Most of the time, it’s simply a payment you make monthly or annually. It comes into play when you’re involved in an accident or your vehicle gets damaged.
Car insurance has different levels based on the amount of coverage you want for your vehicle. Most states require a minimum level of coverage, called liability coverage. Other tiers of car insurance include collision coverage and comprehensive coverage, which affect the annual price you pay. While you need at least liability coverage in most states, having other coverages can help you protect your finances.
Liability coverage is the minimum coverage required to operate a vehicle in the U.S. It often covers a portion of the costs if you’re involved in an automobile accident. This includes three costs you might encounter in such an event:
- The cost of bodily injuries based on the number of people involved in an accident
- The cost of bodily injuries for the entire accident, which is the maximum someone can request from your insurance provider
- The cost of property damage in an accident
It’s important to understand the limitations of liability coverage because it doesn’t account for every event that could happen to your vehicle. Liability coverage does not cover:
- The costs of repairing your vehicle from an automobile accident
- The costs of vehicle damage from weather events such as hail or falling tree limbs
- The costs of your personal injuries from an auto accident
Collision coverage is coverage you can use in the event of collisions such as striking vehicles, trees, mailboxes, buildings, streetlights, and other objects with your vehicle. This differs from liability coverage because it can help you pay the costs associated with replacing or repairing your vehicle after a collision, even if other drivers involved in the accident don’t have coverage. While it covers many factors, collision coverage doesn’t protect your vehicle from everything. For example, it doesn’t cover costs associated with hitting an animal, vandalism, storm damage, and collision-related injuries.
Comprehensive coverage is for anything other than a collision with your vehicle. It is often a prerequisite to purchasing collision coverage. If you decide to get comprehensive coverage, it can help you in events such as:
- Storm damages or losses
- Natural disaster damages or losses
- Hitting an animal or an animal damaging your vehicle
- Theft of all or part of your vehicle
- Damages from falling objects such as rocks and tree branches
- Broken windshields
Factors that comprehensive coverage does not cover include:
- All personal injuries, whether you or another driver is at fault for an accident
- Injuries you cause others
- Any losses resulting from a collision
How Much Does Car Bentley Bentayga Insurance Cost?
The average cost to cover a Bentley Bentayga is $301 per month or $3,612 per year. This cost can vary because of several factors you may or may not control. They can also vary based on the company that provides your car insurance, so it’s helpful to compare companies’ rates to find the best one for you.
Factors That Bentley Bentayga Insurance Costs
Below are the factors that affect insurance rates for the Bentley Bentayga:
- Speed: The Bentley Bentayga is a fast SUV and, therefore, has a higher insurance cost than other, slower vehicles. SUVs, however, are still less expensive to insure than supercars and other fast models because they’re less risky to insurance companies.
- Your age: Driver age affects the cost of insurance. Often, younger drivers have higher rates because they are less experienced and account for more collisions than older drivers. Senior drivers might also have higher rates.
- Your gender: Males are more likely to pay a higher rate on their insurance because companies see them as riskier drivers than other genders.
- Your credit score: A low credit score can increase the insurance rate organizations want to give you. Conversely, a high credit score can reduce your insurance rates.
- Your location: Where you live and drive matters because different locations have higher rates of damage. For example, New York City has more drivers and more chances to be involved in an accident, whereas living in a rural location can decrease your cost because it has fewer drivers and less congested roads.
The Bentley Bentayga is a luxury SUV, so you need excellent coverage to keep it and yourself protected from whatever you might encounter. You can compare a variety of insurance options to find the best price for the service and protection you need.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.