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: Jul 27, 2018

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Vehicle owners new to comparing auto insurance rates on the internet are likely to discover sourcing inexpensive insurance coverage is more work than they thought.

It’s important to compare rates on a regular basis because insurance prices go up and down regularly. Despite the fact that you may have had the lowest quotes on Arnage insurance six months ago a different company probably has better rates today. There are a lot of ways to save on insurance online but we’re going to give you some guaranteed methods to stop overpaying for insurance.

Finding affordable coverage is not rocket science. Basically, every driver who is shopping for auto insurance will be able to save money. Nevertheless, car owners need to learn how insurance companies market insurance on the web.

Why your insurance rates might be higher

Lots of factors are considered when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but other criteria are not quite as obvious like your continuous coverage or your financial responsibility.One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the factors that aid in calculating your policy premiums. When you understand what determines base rates, this allows you to make educated decisions that may reward you with lower insurance coverage prices.

The items below are some of the most rate-impacting factors that factor into your rate level.

  • Qualify for multi-policy discounts – Some insurers allow lower prices to clients who consolidate policies with them in the form of a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even with this discount applied, you still need to check prices from other companies to help ensure you have the lowest rates. You may still find a better deal even if you insure with multiple companies
  • Safer the car lower the rate – Safer cars get lower rates. Vehicles built for safety have better occupant injury protection and lower rates of occupant injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your Bentley Arnage is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Avoid traffic tickets – Even a single moving violation can boost insurance rates forty percent or more. Drivers who don’t get tickets receive lower rates as compared to careless drivers. Drivers who have careless violations like DUI, reckless driving or excessive speeding may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to legally drive.
  • Discounts for married drivers – Being married helps lower the price compared to being single. It demonstrates that you tend to be more mature and statistics show married drivers get in fewer accidents.
  • Vehicle features can affect prices – Selecting a car model that has a built-in theft deterrent system can get you a discount on your insurance coverage. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Prices also based on gender – Over the last 30 years, statistics show that women are safer drivers than men. The data does not necessarily mean that women are better drivers. Males and females cause fender benders at about the same rate, but guys tend to have more serious accidents. Men also statistically get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • lapses raise premiums – Driving without insurance is a big no-no and companies may charge more for letting your insurance lapse for non-payment. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license.
  • Higher prices for demanding occupations – Occupational choices like fire fighters, executives and dentists generally pay the highest rates because of intense work-related stress and long work hours. On the flip side, careers such as actors, historians and performers get better rates on Arnage insurance.

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Save a ton with these insurance discounts

Companies offering auto insurance don’t list every available discount in a way that’s easy to find, so we took the time to find some of the best known as well as the least known discounts that may be available. If you’re not getting every credit you qualify for, you are throwing money away.

  • Good Students Pay Less – A discount for being a good student may save you up to 25%. This discount can apply up to age 25.
  • Accident Free – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote in comparison with insureds who have frequent claims or accidents.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
  • Multiple Policy Discount – If you can bundle your home and auto insurance with one insurance company you could get a discount of at least 10% off all policies.
  • Savings for New Vehicles – Buying insurance coverage on a new vehicle is cheaper compared to insuring an older model.
  • Anti-lock Brake System – Cars and trucks equipped with ABS or steering control are safer to drive and the ABS can save up to 10%.
  • Discount for Life Insurance – Some insurance companies give a lower rate if you buy some life insurance too.

Remember that many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think you can get free auto insurance, companies wouldn’t make money that way.

Companies that may include these money-saving discounts include:

If you want cheap insurance coverage quotes, ask all companies you are considering which discounts they offer. Some discounts might not be available to policyholders in every state.

Car insurance can get complicated

When it comes to choosing the best car insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions might point out if you might need an agent’s assistance.

  • Do I need rental car coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when driving in Canada or Mexico?
  • Do I need an umbrella policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverage basics

Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability insurance – Liability insurance will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as attorney fees, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Bentley Arnage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive protection – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, hail damage and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – Collision insurance pays for damage to your Arnage resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, driving through your garage door, sustaining damage from a pot hole, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for EMT expenses, dental work, chiropractic care and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

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Make an honest buck

We just covered a lot of information how to reduce 2009 Bentley Arnage insurance rates online. The key concept to understand is the more rate comparisons you have, the better likelihood of getting cheap insurance coverage. Drivers may discover the biggest savings come from some of the lesser-known companies.

Consumers who switch companies do it for many reasons like delays in paying claims, unfair underwriting practices, poor customer service and even policy cancellation. It doesn’t matter why you want to switch switching companies is less work than it seems.

When shopping online for insurance, don’t be tempted to reduce needed coverages to save money. Too many times, consumers will sacrifice full coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost.

Additional insurance information can be found on the following sites: