Cheap 2009 Bentley Brooklands Insurance Quotes

Expensive Bentley Brooklands insurance can overdraw your family’s budget and put the squeeze on your family’s finances. Performing a rate comparison is a great way to reduce premiums and put more money in your pocket.

You have multiple car insurance companies to buy insurance from, and though it is a good thing to have a selection, so many choices can make it hard to adequately compare rates.

It’s a good idea to take a look at other company’s rates periodically since insurance rates are usually higher with each renewal. Just because you had the lowest rate on Brooklands coverage last year the chances are good that you can find a lower price today. Forget all the misinformation about insurance coverage because you’re going to learn how to use the internet to properly buy coverages and cut your premium.

How do insurance providers determine Bentley Brooklands insurance rates?

Smart consumers have a good feel for some of the elements that go into determining the price you pay for insurance. If you understand what influences your rates, this allows you to make educated decisions that will entitle you to lower rates. Multiple criteria are part of the calculation when quoting car insurance. Some of the criteria are obvious such as your driving history, but others are not as apparent like your vehicle usage or how financially stable you are.

Shown below are a partial list of the pieces that factor into premiums.

  • Premiums are lower the older you get – Mature drivers are more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.Beginning drivers are statistically proven to get distracted easily when driving with friends therefore insurance rates are much higher.
  • Only buy what you need – Insurance policies have a lot of additional coverages that can waste your money if you aren’t diligent. Coverage for things like personal injury protection, better glass coverage, and motor club memberships may be wasting your money. The coverages may be enticing when buying your policy, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • Prevent theft and save – Buying a car with an alarm system can earn a premium discount. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft and help lower rates.
  • Liability insurance safeguards assets – Your insurance policy’s liability coverage kicks in in the event that you are found to be at fault for damages caused by your negligence. Liability provides legal defense coverage starting from day one. This coverage is relatively inexpensive compared to comp and collision, so do not skimp.
  • Are females or males drivers cheaper? – Statistics have proven females are less aggressive when driving. The data does not necessarily mean that females are better drivers. Both genders are in fender benders in similar numbers, but males have accidents that have higher claims. Men also get ticketed for serious violations like DUI and reckless driving.
  • Your spouse saves you money – Having a wife or husband actually saves money compared to being single. Having a significant other translates into being more mature and insurance companies like that drivers who are married file infrequent claims.
  • Too many insurance claims drive up prices – Car insurance companies provide most affordable rates to drivers who are claim-free. If you’re an insured who likes to file claims you can definitely plan on higher rates. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Drive fewer miles and save – The more miles you rack up on your Bentley every year the higher your rate. Most companies rate vehicles determined by how the vehicle is used. Cars used primarily for pleasure use qualify for better rates compared to those used for work or business. Having an incorrect usage rating on your Brooklands is throwing money out the window. Make sure your insurance policy is showing annual mileage.

Cheap auto insurance quotes with discounts

Insuring your vehicles can cost a lot, but you can get discounts that could help you make your next renewal payment. Many discounts should be triggered at the time of purchase, but a few need to be specially asked for in order for you to get them. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Driving Data Discount – Insureds who allow companies to track vehicle usage through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as they are good drivers.
  • Homeowners Discount – Just owning your own home may earn you a small savings since home ownership shows financial diligence.
  • Senior Discount – Seniors could receive a discount up to 10% on Brooklands coverage.
  • Buy New and Save – Insuring a new car can save you some money since newer vehicles have better safety ratings.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings of 20 to 30 percent.
  • Employee of Federal Government – Having worked for a branch of the government can save as much as 8% on Brooklands coverage with a few auto insurance companies.
  • Distant Student – who are enrolled in higher education away from home without a vehicle on campus could qualify for this discount.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a lower premium rate if you buy a life insurance policy as well.
  • Bundle and Save – When you have multiple policies and insure them with the same company you may earn over 10 percent off each policy depending on the company.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.

As a footnote on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.

A list of companies and some of the discounts are:

  • GEICO includes discounts for emergency military deployment, seat belt use, defensive driver, anti-theft, multi-vehicle, multi-policy, and anti-lock brakes.
  • Mercury Insurance has savings for location of vehicle, multi-policy, professional/association, low natural disaster claims, and anti-theft.
  • Farmers Insurance may have discounts that include bundle discounts, teen driver, distant student, homeowner, switch companies, and good student.
  • Auto-Owners Insurance policyholders can earn discounts including anti-lock brakes, anti-theft, safe vehicle, teen driver, mature driver, multiple vehicles, and safe driver.
  • Liberty Mutual discounts include good student, hybrid vehicle, newly married, new move discount, safety features, new graduate, and new vehicle discount.
  • SAFECO may offer discounts for bundle discounts, teen safe driver, multi-car, anti-theft, homeowner, teen safety rewards, and accident prevention training.
  • Progressive offers discounts including continuous coverage, multi-policy, good student, online signing, online quote discount, and multi-vehicle.
  • USAA offers discounts for safe driver, loyalty savings, new vehicle, annual mileage, vehicle storage, driver training, and family discount.

If you are trying to find inexpensive insurance quotes, ask every company the best way to save money. Discounts might not apply in your area.

Insurance in the media

Progressive, Allstate and GEICO endlessly run television and radio advertisements. All the companies advertise the message that drivers will save a bundle after switching your policy. How is it possible that every company can offer you a better deal?

Insurance companies have strict underwriting profiles for the type of driver that will not have excessive claims. One example of a desirable risk could be a female over age 40, is a homeowner, and drives less than 5,000 miles a year. A customer getting a price quote that hits that “sweet spot” will most likely get cheap premium rates and therefore will pay quite a bit less when switching companies.

Drivers who are not a match for the ideal profile will see a higher premium and this results in the prospect going elsewhere. The trick is to say “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how companies can make those statements. Because of this risk profiling, you absolutely need to get insurance quotes as often as possible. It’s not possible to predict with any certainty which company will be your best fit.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might point out whether or not you may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How much liability insurance is required?
  • Is business equipment covered while in my vehicle?
  • When should I buy a commercial auto policy?
  • Is extra glass coverage worth it?
  • What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

The coverage is in the details

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages available from car insurance companies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Bentley Brooklands.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision insurance

Collision insurance will pay to fix damage to your Brooklands from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive car insurance

This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, falling objects and vandalism. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as ambulance fees, nursing services, funeral costs and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Liability car insurance

Liability coverage will cover damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle 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. Your policy might show 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 total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like repair bills for other people’s vehicles, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Quote more, save more

The cheapest 2009 Bentley Brooklands insurance is possible online as well as from insurance agents, so you need to shop insurance with both to get a complete price analysis. A few companies do not provide the ability to get quotes online and usually these small, regional companies work with local independent agents.

You just learned some good ideas how you can shop for 2009 Bentley Brooklands insurance online. The most important thing to understand is the more quotes you get, the better likelihood of getting low cost insurance. You may even discover the lowest car insurance rates come from a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

More detailed insurance information can be found in these articles:

Comments About 2009 Bentley Brooklands Insurance

  1. Shawanda Finch

    Need cheaper insurance rates for my teenage driver in Providence, Rhode Island!!

  2. Jeffery Rush

    Live in Saint Paul, MN. Quoted a bunch of companies. Saved about $50 a month. Progressive was the most affordable for me. Insured with Progressive before. I even had a DUI years ago.

  3. Patty Sellers

    Lots of useful info here. I’m just west of Paterson, New Jersey. Don’t remember every company but I ended up saving about $60 each month. Left State Farm to switch. Ask about discounts.

  4. Keli Anderson

    Will Allstate cancel if I have a claim?

  5. Mallory Bowman

    Here’s my info. Lifelong resident of Juneau, AK. Quoted with Progressive, American Family, and Encompass for my Bentley and I think I saved around $50 each month. Teenage drivers are expensive!

  6. Versie Eaton

    I compared a lot of rate quotes for a 2009 Bentley Brooklands in Saint Louis, MO. Ended up at right around $250 every six months with AAA. Was with MetLife. Hopefully won’t need it.

  7. Dania Blanchard

    Here’s what I found out. I live in a small town just outside of Jersey City, New Jersey. Got quotes with Nationwide, Esurance, Progressive, and Amica for my Bentley and saved $342 a year. Was with Esurance. I get lower rates because of my clean driving record. :)

  8. Hanh Delgado

    Corporate greed I’m telling you. Live in Rockford, IL. I got free quotes with GEICO, AIG Insurance, Farmers, and Hartford for my Brooklands and saved $321 a year.

  9. Teodora Stephenson

    Will State Farm give discounts for good grades?

  10. Brian Macdonald

    Here’s my quote info. I’m in the west part of Portland, ME. Not sure of all the companies but I ended up saving about $40 each month. Just go online and compare their rates.

  11. Donnie Arnold

    In Omaha, Nebraska, Progressive is a good choice. Left State Farm to switch. Hardly afford to drive anymore.

  12. Angelika Hardin

    Do I have to have car insurance in Hawaii?