Online price comparisons for affordable insurance might seem complicated at first if you have never taken advantage of online rate comparisons. But don’t be overwhelmed because finding more affordable prices is easier than you think.
If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Locating more affordable insurance coverage coverage is simple if you know the tricks. But car owners can benefit by having an understanding of the methods companies use to determine prices because it can help you find the best coverage.
One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively determines premiums, this enables informed choices that can earn you better auto insurance rates. Many factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as your driving history, although some other factors are more transparent such as your credit history or your vehicle rating.
To find the cheapest insurance quotes, there are several ways to compare rate quotes from different insurance companies. The best way to comparison shop is to use the internet to compare rates. It’s really quite simple and can be done in several different ways.
Which method you use is up to you, but ensure you’re using the exact same coverage data for each comparison quote. If you have different values for each quote it’s not possible to make an equal comparison. Even a minor difference in coverages may cause a big price difference. Just keep in mind that having more price comparisons increases the change that you will find more affordable rates. Some companies don’t provide quotes online, so you should also compare prices from them, too.
Auto insurance companies do not list every policy discount very clearly, so the below list has some of the more common and the more hidden ways to save on insurance.
Just know that most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, you’re out of luck.
For a list of providers that offer discounts, click here.
When buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.
For instance, these questions might point out whether you might need an agent’s assistance.
If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.
Understanding the coverages of a insurance policy aids in choosing appropriate coverage 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.
Med pay and PIP coverage kick in for bills for things like rehabilitation expenses, nursing services and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as theft, damage from getting keyed, falling objects and hitting a bird. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Bentley Azure.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages do not exceed the liability coverage limits.
Liability insurance can cover damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things such as bail bonds, legal defense fees, pain and suffering and attorney fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.
Collision insurance pays for damage to your Azure resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as crashing into a ditch, hitting a mailbox, driving through your garage door and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.
Some insurance companies may not have online quoting and most of the time these small insurance companies work with independent insurance agents. Budget-friendly auto insurance is definitely available from both online companies in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture.
We’ve covered a lot of ways to lower your 2002 Bentley Azure insurance premium rates. It’s most important to understand that the more you quote insurance, the better likelihood of getting inexpensive insurance. Consumers may even find the best premium rates are with some of the smallest insurance companies.
Consumers leave their current company for any number of reasons including policy cancellation, denial of a claim, policy non-renewal and poor customer service. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.
To learn more, feel free to browse the resources below:
Is Progressive cheap in Tacoma, WA?
If you don’t have tickets and live around Warren, MI, check out GEICO. I saved quite a bit. They offer free online rate quotes. Book value doesn’t justify full coverage anymore.
I found pretty cheap rate quotes for a 2002 Bentley Azure in Columbus, Ohio. Ended up at about $120 every six months with AIG Insurance. Left Sentry to switch. I get multi-vehicle and multi-policy discounts. I dropped full coverage awhile back.
I got decent rates for a 2002 Bentley Azure in Colorado Springs, Colorado. Ended up at roughly $100 every six months with American Family. Moved home policy as well.
If you have a clean record and live around Jersey City, New Jersey, check out Allstate. You might get cheaper rates. Insured with Erie before. Not sure about claim service.
I found pretty cheap rate quotes for a 2002 Bentley Azure in Warren, MI. Ended up at about $80 every six months with Amica. They have a lot of discounts available. Next renewal I’ll just do liability.
I got decent rates for a 2002 Bentley Azure in Provo, Utah. Ended up at roughly $120 every six months with AAA. Thankfully I have a good driving record. I used their online quote form to compare rates.
Does GEICO offer multi-policy discounts?
I got quite a few price quotes for a 2002 Bentley Azure in Saint Paul, MN. Ended up at right around $110 every six months with Auto-Owners. Left Amica to switch. Hardly afford to drive anymore.
Nice info. I’m in the west part of Cincinnati, OH. Don’t remember every company but I ended up saving about $30 each month. Was with USAA. I got prices on the web. When should I drop full coverage?
I’m looking for cheaper coverage. Checking in from Rapid City, SD. Quoted prices online for a 2002 Bentley Azure. Ended up at about $110 savings annually. Went with Allstate. Liability only on my Bentley.
It’s all a rip off. I’m in the north part of Frederick, MD. Received prices from 21st Century, Auto-Owners, and Erie for my Azure and saved just over $90 a year. Have a couple speeding tickets too. I quoted rates online then called them.
Not sure if this is cheap. I’m in Miami, FL. Quoted prices from Safeco, Farmers, GEICO, and American Family for my Bentley and I think I am saving around $30 each month. Was with Amica. My Azure doesn’t have full coverage.
Like your site, BTW. Proud to be from Gulfport, MS. Got free quotes online for a 2002 Bentley Azure. Ended up at about $110 savings annually. Went with 21st Century. Good savings if you bundle. I dropped full coverage awhile back.