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: Nov 7, 2018

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Looking for lower car insurance rates for your Bentley Arnage? Finding low-cost insurance for a Bentley Arnage can normally be a lot of work, but you can learn these tips to save time. There are more efficient ways to buy car insurance and we’ll show you the best way to compare rates for a Bentley and obtain the lowest possible price from both online companies and local agents.

Finding affordable coverage is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, you can use these techniques to cut your premiums and still get good coverage. Drivers just need to learn the best way to get comparison rates over the internet.

Insurance policy discounts

Some insurance providers don’t always list their entire list of discounts very clearly, so the list below gives a summary of both well-publicized as well as some of the hidden discounts that you can inquire about if you buy auto insurance online. If you check and find you aren’t receiving every discount possible, you are paying more than you should be.

  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them complete a driver education course if offered at their school.
  • Savings for New Vehicles – Putting insurance on a new car can save up to 30% since newer vehicles have better safety ratings.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
  • Discounts for Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance for Arnage insurance depending on your company.
  • Senior Citizen Discount – Mature drivers could receive lower premium rates for Arnage insurance.
  • Passive Restraint Discount – Factory options such as air bags or automatic seat belts may earn rate discounts as much as 30%.
  • Good Driver Discounts – Drivers without accidents can save up to 40% or more on their auto insurance quote for Arnage insurance than drivers with accident claims.
  • Military Rewards – Being on active deployment in the military could be rewarded with lower insurance rates.
  • Memberships – Affiliation with certain professional organizations is a good way to get lower rates on your next insurance statement.
  • Safety Course Discount – Taking a defensive driving class can save you 5% or more if your company offers it.

As a footnote on discounts, most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you could get a free insurance policy, it just doesn’t work that way.

A list of insurance companies and some of the premium reductions they offer are outlined below.

  • Farm Bureau may include discounts for renewal discount, driver training, safe driver, youthful driver, multi-vehicle, multi-policy, and good student.
  • State Farm offers discounts including accident-free, passive restraint, driver’s education, good driver, safe vehicle, Drive Safe & Save, and good student.
  • Progressive discounts include online signing, multi-policy, homeowner, continuous coverage, good student, multi-vehicle, and online quote discount.
  • Allstate has savings for farm vehicle, resident student, EZ pay plan discount, utility vehicle, teenSMART discount, good student, and economy car.
  • Nationwide has discounts for business or organization, easy pay, anti-theft, family plan, multi-policy, Farm Bureau membership, and defensive driving.
  • MetLife includes discounts for defensive driver, good student, multi-policy, claim-free, good driver, and accident-free.

Before purchasing a policy, check with every company which discounts you may be entitled to. Savings may not be offered in your area. To choose insurance companies with the best insurance discounts, follow this link.

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

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How do I know if I need professional advice?

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

  • Should I get collision insurance on every vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I missing any policy discounts?
  • Is my cargo covered for damage or theft?
  • Do I have coverage for damage caused while driving under the influence?
  • How can I find cheaper teen driver insurance?
  • Is business equipment covered while in my vehicle?
  • How do I buy GAP insurance?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Is there deception in advertising?

Consumers constantly see and hear ads that promise big savings for switching from companies such as Progressive, Allstate and GEICO. They all seem to advertise the message about how much you will save just by switching your car insurance policy to them.

It sounds good, but how can they all make almost identical claims? Just pay attention to how they say it.

Many companies are able to cherry pick for the type of insured that will generate a profit. For instance, a profitable customer may need to be a mature driver, insures multiple vehicles, and drives a car with an anti-theft system. Anyone that meets those criteria will probably get cheap prices as well as save a lot if they switch.

Drivers who don’t qualify for the “perfect” profile will see a higher premium and the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers who switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can confidently make claims like that. Different companies use different criteria so drivers should do a quote comparison often. Because you never know which company will have the best premium rates at this point in time.

Specifics of your insurance policy

Learning about specific coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto collision coverage

This covers damage to your Arnage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, driving through your garage door and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance covers 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 coverage pays for things such as a tree branch falling on your vehicle, vandalism, damage from a tornado or hurricane and damage from getting keyed. The most you can receive from a comprehensive 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 insurance

Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, EMT expenses, hospital visits, funeral costs and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability coverages

This coverage will cover damage or injury you incur to other’s property or people. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things such as bail bonds, repair bills for other people’s vehicles, medical expenses, legal defense fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your 2004 Bentley Arnage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

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

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Save your hard earned cash

Cheaper 2004 Bentley Arnage insurance is possible on the web and from local agencies, so you should compare both to have the best selection. There are still a few companies who may not provide online price quotes and these regional insurance providers provide coverage only through independent agents.

We just showed you a lot of techniques to save on 2004 Bentley Arnage insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your premium rates. You may even discover the biggest savings come from a smaller regional carrier.

Consumers leave their current company for many reasons like poor customer service, policy non-renewal, delays in paying claims or high rates after DUI convictions. No matter why you want to switch, finding the right insurance provider is pretty easy and you might even save some money in the process.

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