Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Having to pay for high-priced car insurance can bleed your savings and possibly require you to analyze your spending habits. Shopping your coverage around is a smart way to slash your bill and have more diposable income.

Companies like Allstate and Progressive all claim big savings, bombarding you with ads and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

Shop auto insurance online

Most of the larger companies give prices from their websites. Getting prices online is fairly simple as all you need to do is type in your coverage information as detailed in the form. After the form is submitted, the system will obtain credit information and your driving record and provides a quote. Online price estimates helps simplify price comparisons, but the work required to visit different websites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to get many rate quotes in order to find the best price possible.

Online rates the easy way

A quicker way to get multiple rate quotes uses one form to obtain quotes from several companies at one time. This type of form saves time, eliminates repetitive work, and makes online shopping much more efficient. After your information is entered, it is quoted with multiple companies and you can pick any or none of the quotes that you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process only takes a few minutes and may save quite a bit of money.

To save time and fill out one form to compare multiple rates now, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you input coverages and limits just like they are on your policy. Doing this assures you are getting an apples-to-apples comparison based on identical coverages.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Auto insurance buyers beware

Big name companies like Allstate and Progressive constantly bombard you with television, radio, and online ads. All the ads try to convey promises that you’ll save big if you move your coverage. How does every company make the same claim? It’s all in the words they use.

Insurance providers quote their cheapest rates for the type of customer that makes them money. An example of a desirable risk might have to be over the age of 40, has never had a claim, and has excellent credit. A driver who fits that profile gets the lowest car insurance rates and will save when they switch companies.

Drivers who don’t meet the requirements will be quoted higher premium rates which leads to the prospect going elsewhere. If you pay attention, the ads say “drivers who switch” not “everyone that quotes” save money. This is how companies can truthfully make the claims of big savings.

Because of these techniques, drivers must compare quotes as often as possible. It’s just too difficult to predict which auto insurance company will have better premium rates than you’re paying now.

Ten discounts for cheap auto insurance rates

Auto insurance is neither fun to buy or cheap, but you can get discounts that you may not even know about. Certain reductions will be credited at the time of quoting, but some discounts are required to be inquired about prior to receiving the credit.

  • Early Signing – Some larger companies provide a discount for switching policies before your current policy expires. You could save around 10% when you buy auto insurance online.
  • Auto/Home Discount – When you combine your homeowners and auto insurance with one company you may earn approximately 10% to 15%.
  • Use Seat Belts – Forcing all vehicle occupants to use a seat belt can save a little off the personal injury premium cost.
  • Senior Citizen Discount – Drivers that qualify as senior citizens may receive a slight reduction on a auto insurance quote on Arnage insurance.
  • Telematics Data Discounts – Policyholders that allow driving data collection to monitor driving habits by using a telematics device like Allstate’s Drivewise could see a rate decrease as long as they are good drivers.
  • Braking Control Discount – Cars and trucks with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
  • Distant College Student Discount – who are enrolled in higher education away from home and leave their car at home can receive lower rates.
  • Discount for Home Ownership – Owning your own home or condo can save a few bucks because owning a home means you have a higher level of financial diligence.
  • Active Military Service – Being deployed with a military unit could qualify you for better auto insurance rates.
  • Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less on Arnage insurance than drivers with accident claims.

Don’t be surprised that most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, nobody gets a free ride. But all discounts should help reduce the cost of coverage.

Popular auto insurance companies and a summarized list of policyholder discounts can be found below.

  • State Farm may offer discounts for student away at school, defensive driving training, passive restraint, multiple policy, Steer Clear safe driver discount, good student, and multiple autos.
  • American Family may include discounts for multi-vehicle, accident-free, TimeAway discount, air bags, and defensive driver.
  • AAA offers discounts including multi-car, AAA membership discount, pay-in-full, multi-policy, education and occupation, good student, and anti-theft.
  • GEICO policyholders can earn discounts including driver training, multi-vehicle, good student, daytime running lights, seat belt use, and anti-lock brakes.
  • Mercury Insurance discounts include good student, professional/association, age of vehicle, low natural disaster claims, location of vehicle, and multi-policy.
  • Farmers Insurance offers discounts for bundle discounts, homeowner, switch companies, mature driver, early shopping, youthful driver, and teen driver.
  • Progressive has discounts for multi-vehicle, online signing, continuous coverage, online quote discount, multi-policy, and homeowner.

When getting a coverage quote, ask each insurance company which credits you are entitled to. Discounts may not be available in your state. To see insurance companies with the best discounts, follow this link.

You may need specialized insurance coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For example, these questions might point out if your insurance needs will benefit from professional help.

  • What is UM/UIM insurance?
  • I have health insurance so do I need medical payments coverage?
  • Does my insurance cover a custom paint job?
  • Are rock chip repairs covered?
  • Am I better off with higher deductibles on my 2002 Bentley Arnage?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance coverages explained

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Auto collision coverage

Collision insurance pays for damage to your Arnage from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, sideswiping another vehicle, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, fire damage, a tree branch falling on your vehicle, damage from flooding and hitting a deer. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage provides protection from damage that occurs to a person or their property in 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 policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical services, bail bonds, attorney fees, pain and suffering and loss of income. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as dental work, hospital visits, ambulance fees and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Bentley Arnage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Feed the piggy bank

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. Too many times, an insured cut comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

In this article, we covered many ideas to lower your 2002 Bentley Arnage insurance rates. It’s most important to understand that the more companies you get car insurance rates for, the better chance you’ll have of finding the cheapest auto insurance. Drivers may discover the lowest rates are with some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

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