2010 Bentley Brooklands Car Insurance Rates

Trying to find the cheapest insurance coverage rates for your Bentley Brooklands? Are you drained from scraping the payment together to keep your car insured? Your situation is no different than most other consumers.

Consumers have multiple insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to locate the cheapest rates.

Finding affordable auto insurance is easy if you know what you’re doing. Just about anyone who carries auto insurance will more than likely be able to find better rates. Nevertheless, drivers need to have an understanding of the way insurance companies determine prices and take advantage of how the system works.

More affordable rates with discounts

The price of auto insurance can be rather high, but there could be significant discounts that could help you make your next renewal payment. Some trigger automatically when you quote, but lesser-known reductions have to be asked for prior to getting the savings.

• Early Signing – A few auto insurance companies allow discounts for buying a new policy before your current expiration date. It can save you around 10%.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and therefore earn up to a 10% discount.
• More Vehicles More Savings – Buying a policy with multiple cars or trucks on one policy may reduce the rate for each vehicle.
• Data Collection Discounts – Policyholders that allow driving data submission to spy on where and when they drive by using a small device installed in their vehicle such as State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
• Anti-lock Brake System – Vehicles with ABS and/or traction control can reduce accidents so you can save 10 percent or more.
• Passive Restraints – Options like air bags or motorized seat belts may earn rate discounts of up to 25% or more.

Discounts save money, but please remember that some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, it’s just not the way it works.

A list of companies and some of the discounts are detailed below.

• The Hartford policyholders can earn discounts including anti-theft, defensive driver, good student, air bag, bundle, driver training, and vehicle fuel type.
• American Family may have discounts that include air bags, bundled insurance, good driver, good student, and Steer into Savings.
• Progressive offers premium reductions for multi-policy, continuous coverage, online quote discount, multi-vehicle, and online signing.
• Travelers has discounts for new car, continuous insurance, driver training, multi-car, student away at school, save driver, and hybrid/electric vehicle.
• Farmers Insurance has savings for mature driver, switch companies, bundle discounts, electronic funds transfer, and youthful driver.
• USAA may include discounts for multi-policy, family discount, new vehicle, vehicle storage, annual mileage, military installation, and multi-vehicle.
• Liberty Mutual offers discounts for new vehicle discount, teen driver discount, hybrid vehicle, safety features, and newly retired.

If you need inexpensive auto insurance quotes, ask each company or agent to apply every possible discount. A few discounts might not be offered on policies in your state. To see a list of insurance companies with discount rates, click this link.

Where can I get affordable insurance coverage?

The are a couple different ways of comparing price quotes from many different insurance companies. The recommended way to find competitive 2010 Bentley Brooklands insurance rates is simply to get online rate quotes. This is very easy and can be done in several different ways.

1. One of the simplest ways to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This style of form prevents you from having to do boring form submissions for every insurance coverage company. Filling out one form gets insurance cost estimates from all major companies.
2. A more difficult way to find more affordable insurance consists of visiting the website of each company and go through the quote process again. For examples sake, let’s assume you want to get rates from USAA, 21st Century and State Farm. To find out each rate you need to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.

However you get your quotes, be sure to compare the same coverage limits for each comparison quote. If you have different deductibles then you won’t be able to determine the best price for your Bentley Brooklands. Even a minor difference in insurance coverages or limits could skew the results. And when price shopping your coverage, obtaining a wide range of quotes gives you a better chance of getting the best rates.

What is the best insurance coverage?

When choosing coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

• Am I covered if hit by an uninsured driver?
• Is my teenager covered with friends in the car?
• Do I need special endorsements for business use of my vehicle?
• Will I be non-renewed for getting a DUI or other conviction?
• Does insurance cover damages from a DUI accident?
• What if I total my 2010 Bentley Brooklands and owe more than it’s worth?
• Am I covered if I hit a deer?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Specific coverages for a Bentley Brooklands

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from auto insurance companies.

Liability coverages

Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as medical expenses, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like funeral costs, rehabilitation expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, vandalism and hail damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision insurance

This coverage pays for damage to your Brooklands resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, rolling your car, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Don’t throw your cash in the trash

More affordable car insurance is possible from both online companies in addition to local insurance agencies, so you need to shop auto insurance with both to have the best selection. A few companies do not offer rate quotes online and most of the time these smaller providers provide coverage only through independent agents.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. Too many times, an accident victim reduced full coverage only to regret that it was a big mistake. The goal is to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

We just covered a lot of tips how to save on 2010 Bentley Brooklands insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding the cheapest auto insurance. Drivers may discover the biggest savings come from a lesser-known regional company. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm or Progressive.

Even more information is located in these articles:

• Drunk Driving Statistics (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Winter Driving (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Tools for Teen Driving Safety (State Farm)