Cheap 2001 Bentley Azure Insurance Quotes

Searching for lower auto insurance rates for your Bentley Azure? Are you confused by the number of auto insurance providers available to you? Many other drivers are as well. Vehicle owners have so many choices that it can quickly become more work than you anticipated to find a more affordable company.

Why your insurance costs might be higher

Lots of factors are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving record, although others are less apparent like your continuous coverage or how safe your car is.

• City traffic equals higher prices – Having an address in less populated areas may provide you with better prices when shopping for auto insurance. People who live in big cities have more auto accidents and a longer drive to work. Fewer people translates into fewer accidents.
• Better credit means lower rates – Credit history can be a huge factor in your rate calculation. People that have excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. So if your credit rating can be improved, you could save money insuring your 2001 Bentley Azure if you improve your credit rating.
• Cheaper to insure gals? – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both genders are responsible for auto accidents in similar numbers, but the males get into accidents with more damage. Not only that, but men also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Do safer cars cost less to insure? – Safer cars tend to have better insurance rates. Vehicles built for safety reduce injuries and fewer injuries means your insurance company pays less and more competitive rates for policyholders. If your Bentley Azure earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
• High premiums for youthful drivers – Beginning drivers have been known to be easily distracted when at the wheel of a vehicle therefore insurance coverage rates are much higher. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
• Low coverage deductibles cost more – Comprehensive and collision coverage deductibles are how much you are willing to pay in the event of a claim. Protection for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. A few examples of covered claims could be colliding with a stationary object, animal collisions, or theft of your vehicle. The more you pay before a claim is paid (deductible), the better rate you will receive for Azure insurance.
• Alarm systems lowers rates – Owning a car with advanced anti-theft systems can get you a discount on your insurance coverage. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft and help lower rates.

Insurance Coverage Discounts

Insurance coverage is easily one of your largest bills, but there may be some discounts that many people don’t even know exist. Most are applied at the time of purchase, but once in a while a discount must be asked about before you get the savings.

• Federal Employees – Federal government employees may qualify for a discount when you quote car insurance for Azure insurance with a few insurance coverage companies.
• Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less for Azure insurance than their less cautious counterparts.
• Accident Free – Good drivers with no accidents have much lower rates in comparison with drivers with a long claim history.
• Payment Discounts – By paying your policy upfront as opposed to paying monthly you could save up to 5%.
• Use Seat Belts – Drivers who require all vehicle occupants to buckle up can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• E-sign – A few companies will give a small break just for signing your application over the internet.
• Senior Citizen Rates – Older drivers may receive better insurance coverage rates for Azure insurance.
• Homeowners Savings – Just owning your own home can help you save on insurance coverage due to the fact that maintaining a home means you have a higher level of financial diligence.

Discounts lower rates, but some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

A partial list of companies that may include these discounts include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

When comparing rates, check with all the companies what discounts are available to you. A few discounts may not apply in your area. To locate companies who offer free insurance coverage quotes, click here to view.

Be skeptical of insurance ads

Companies like State Farm, Geico and Progressive continually stream television and radio advertisements. They all have a common claim that drivers will save a bundle just by switching your insurance policy to them. How does each company charge you a lower premium? It’s all in the words they use.

Different companies provide the lowest rates for the right customer that is profitable for them. A good example of a desirable insured might be described as between 30 and 50, has no prior claims, and insures a new vehicle. Any customer that matches those criteria will probably get cheap premium rates and is almost guaranteed to save when switching.

Potential customers who are not a match for the “perfect” profile will be charged higher prices which leads to the customer not buying. If you listen to the ad wording, they say “drivers that switch” not “all people who quote” save that much. This is how companies can truthfully make it sound like they have such great prices.

Each company has different criteria, so you should do a rate comparison at every renewal. You cannot predict with any certainty which company will provide the lowest premium rates.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

For example, these questions might help in determining whether you may require specific advice.

• What is no-fault insurance?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is a blown tire covered by insurance?
• Am I covered when using my vehicle for business?
• Is a new car covered when I drive it off the dealer lot?
• What is the ISO rating for a 2001 Bentley Azure?
• When should I remove comp and collision on my 2001 Bentley Azure?
• What happens if I owe more than my 2001 Bentley Azure is worth?
• Should I drop comprehensive coverage on older vehicles?
• Do I need to file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance coverage specifics

Having a good grasp of insurance can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for liability

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as funeral expenses, repair costs for stationary objects, medical expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

This 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 protects against things like damage from getting keyed, fire damage, falling objects, damage from a tornado or hurricane and rock chips in glass. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as X-ray expenses, funeral costs and ambulance fees. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Bentley Azure.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, rolling your car, driving through your garage door, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Have money to burn

When you buy car insurance online, never skimp on critical coverages to save a buck or two. There are many occasions where an insured cut collision coverage only to discover later that they should have had better coverage. Your objective should be to buy a smart amount of coverage at the best cost, not the least amount of coverage.

We just showed you a lot of ways to lower your 2001 Bentley Azure insurance premium rates. The most important thing to understand is the more providers you compare, the better likelihood of getting low cost car insurance. You may even find the lowest priced auto insurance comes from some of the smallest insurance companies.

More affordable auto insurance is definitely available from both online companies as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not offer rate quotes online and these regional insurance providers only sell coverage through independent agencies.

More tips and info about auto insurance is located in these articles:

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• All About Airbag Safety (State Farm)