Compare 2002 Bentley Azure Insurance Rates

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.

The Bentley Azure insurance rate equation

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.

• Deter theft and save – Buying a car with advanced anti-theft systems can help bring down rates. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all help stop auto theft and help lower rates.
• Raising physical damage deductibles lowers premiums – Physical damage protection, also called comprehensive and collision insurance, protects your Bentley from damage. A few examples of covered claims could be running into the backend of another car, vandalism, and damage from a fallen tree branch. Your deductibles are how much you are required to spend if you file a covered claim. The more of the claim the insured has to pay upfront, the less your company will charge you for insurance for Azure coverage.
• Combine and save – Most auto insurance companies apply better rates to clients that buy multiple policies, otherwise known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even with this discount applied, drivers will still want to shop around to help guarantee you have the best rates.
• Where do you drive? – Driving more miles each year the higher your rate. Almost all companies calculate prices based upon how you use the vehicle. Autos that do not get driven very much can get a lower rate than those used for commuting. It’s a smart idea to ensure your auto insurance policy reflects how each vehicle is driven. Incorrect rating for your Azure can cost quite a bit.
• Cheaper rates after marriage – Your spouse can actually save you money on your auto insurance policy. Having a significant other generally demonstrates drivers are more responsible and it’s proven that married drivers tend to file fewer claims.
• A lauto insurance lapse is a bad thing – Driving any period of time without insurance is against the law and you will pay a penalty because you let your insurance expire. Not only will you pay more, not being able to provide proof of insurance will get you fines or a revoked license.
• Don’t skimp on liability insurance – A critical coverage on your policy, liability insurance kicks in if ever you are found liable for personal injury or accident damage. It provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.

Low cost auto insurance prices

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.

1. The recommended way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for separate forms for each price estimate. One quote request gets coverage cost estimates instantly. Just one form and you’re done.
2. A harder way to compare rate quotes consists of visiting each company’s website and complete a new quote form. For sake of this example, we’ll assume you want to compare rates from State Farm, Liberty Mutual and Allstate. To do that, you would have to go to each individual site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

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.

Get lower rates by getting discounts

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.

• Distant Student Discount – Any of your kids who live away from home at college and don’t have a car may be able to be covered for less.
• Club Memberships – Joining a professional or civic organization may earn a discount on your next renewal.
• Driver Education Discount – Cut your cost by having your teen driver complete a driver education course if offered at their school.
• Bundle and Save – When you have multiple policies with the same company you may save 10% to 20% off each policy.
• Discount for Swiching Early – A few insurance companies give discounts for switching companies before your current policy expires. This can save 10% or more.
• Responsible Driver Discount – Safe drivers can pay as much as 50% less for Azure coverage than their less cautious counterparts.
• Driving Data Discount – People who choose to allow their insurance company to look at vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they are good drivers.
• Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
• Use Seat Belts – Forcing all vehicle occupants to buckle up may be able to save a few bucks on the medical payments or PIP coverage costs.
• Auto/Life Discount – Some companies give a lower rate if you buy life 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.

Your insurance coverage should be tailored to you

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.

• Is my teenager covered with friends in the car?
• Should I carry comprehensive and collision coverage?
• Is my camper covered by my car insurance policy?
• Should I have a commercial auto policy?
• When would I need additional glass coverage?
• How do I insure my teen driver?

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.

Insurance coverages 101

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.

Medical payments coverage and PIP

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 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.

Uninsured/Underinsured Motorist 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

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.

Auto collision coverage

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.

A tidy conclusion

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:

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Shopping for a Safe Car (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Rollover Crash FAQ (iihs.org)