Lower Your 2002 Bentley Arnage Car Insurance Cost

Searching for better insurance prices for your Bentley Arnage can turn out to be a lot of work, but you can learn these tips to save time. There are both good and bad ways to shop for car insurance so we’re going to tell you the quickest way to get price quotes for a Bentley and find the lowest possible price either online or from local insurance agents.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can use this information to reduce the price you pay while maintaining coverages. Drivers just need to understand the proper methods to compare prices over the internet.

These factors can influence Bentley Arnage insurance rates

An important part of buying insurance is that you know the rating factors that play a part in calculating your insurance rates. Knowing what influences your rates helps enable you to make changes that will entitle you to big savings.

  • Where do you drive? – Driving more miles in a year the higher your rate. Most insurance companies apply a rate based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your insurance coverage is showing the proper vehicle usage. If your policy improperly rates your Arnage can cost quite a bit.
  • Lower deductibles cost more – Deductibles for physical damage represent how much money you are required to spend if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and rolling your vehicle. The more money the insured has to pay upfront, the bigger discount you will receive on Arnage insurance.
  • Safer occupants lowers premiums – Safer cars get lower rates. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If the Bentley Arnage is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Do you know you’re credit rating? – Credit rating is a huge factor in your rate calculation. People with good credit tend to be more responsible than those with poor credit. If your credit rating can use some improvement, you could save money insuring your 2002 Bentley Arnage by improving your credit score.

These discounts can lower your rates

Companies offering auto insurance don’t list every available discount in a way that’s easy to find, so we researched some of the more common as well as the least known savings tricks you should be using. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Defensive Driver – Completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Resident Student – Kids in college who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Low Mileage Discounts – Fewer annual miles on your Bentley can qualify you for a substantially lower rate.
  • Discount for New Cars – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of insurers with the best car insurance discounts, click here.

Do drivers who switch really save $430 a year?

Consumers constantly see and hear ads that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to have a common claim about savings if you change to them.

But how can every company make the same claim? This is how they do it.

Different companies can use profiling for the type of driver that makes them money. For instance, a preferred risk might be profiled as between 30 and 50, a clean driving record, and drives newer vehicles. A customer who matches those parameters receives the best rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t meet these standards will be quoted a higher premium which leads to business going elsewhere. The ads state “customers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can advertise the savings. This emphasizes why it’s extremely important to get as many quotes as possible. It is impossible to predict the company that will have the lowest Bentley Arnage insurance rates.

Different people need different coverages

When buying coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can aid in determining if your situation might need an agent’s assistance.

  • Why is insurance for a teen driver so high?
  • Who is covered by my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is no-fault insurance?
  • What is the ISO rating for a 2002 Bentley Arnage?
  • Is extra glass coverage worth it?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Specific coverages for a Bentley Arnage

Learning about specific coverages of car insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision – Collision coverage will pay to fix damage to your Arnage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as damaging your car on a curb, scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverage – Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as structural damage, repair costs for stationary objects, emergency aid and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, falling objects, vandalism, hitting a deer and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for expenses such as rehabilitation expenses, doctor visits and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage – This protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2002 Bentley Arnage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Find Good Coverage for Less

Insureds switch companies for any number of reasons including an unsatisfactory settlement offer, high prices, being labeled a high risk driver or delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company can be pretty painless.

We just covered many tips how you can get a better price on 2002 Bentley Arnage insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the best prices are with a small local company.

Lower-priced insurance is available online in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and these smaller companies work with independent agents.

More resources