2007 Bentley Azure Insurance Cost – 6 Ways to Save

Searching for the cheapest auto insurance rates for your Bentley Azure? Are you tired of trying to scrape together enough money to pay auto insurance each month? You’re in the same situation as most other vehicle owners. Multiple car insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies and uncover the absolute lowest cost out there.

It is always a good idea to compare rates on a regular basis because prices are variable and change quite frequently. Even if you got the best rate for Azure coverage six months ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because it’s time to teach you the things you must know in order to save money, get proper coverage and the best rates.

Low cost insurance prices

Many insurance companies allow you to get price estimates directly from their websites. Getting quotes doesn’t take much effort as you simply type in your coverage preferences into a form. Once you submit the form, the system automatically retrieves reports for credit and driving violations and returns a price quote based on the information you submitted. Online price quotes simplifies rate comparisons, but the time it takes to visit different websites and type in your information can be a bit tiresome and repetitive. But it’s very important to perform this step if you want to get a better rate.

The quickest way to find cheaper rates uses one simple form to obtain quotes from a lot of companies. The form is fast, eliminates form submissions, and makes price shopping online much easier. Immediately after submitting the form, it gets priced with multiple companies and you can pick any of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process takes 15 minutes at the most and you’ll know if lower rates are available.

To find out how much you can save on insurance, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you copy as shown on your current policy. Doing this guarantees you’re receiving rate comparison quotes using the exact same coverages.

Switch companies and save? Really?

Consumers can’t get away from all the ads for cheaper auto insurance from the likes of State Farm and Allstate. They all say the same thing that drivers can save some big amount just by switching your policy.

It sounds good, but how can they all save you money? It’s all in the words they use.

Auto insurance companies give the best rates for the driver that will not have excessive claims. For example, a profitable customer should be between 25 and 40, has had continuous coverage, and drives a car with an anti-theft system. Any driver that meets those criteria will get low premium rates and will probably save quite a bit of money when switching.

Consumers who do not meet those standards will be charged a higher rate with the end result being the customer not buying. If you pay close attention to the ads, they say “people that switch” not “everyone who quotes” will save that much if they switch. That is how companies can make it sound like they have such great premium rates.

This really illustrates why drivers should do a rate comparison at every renewal. It’s impossible to know which insurance companies will give you lower car insurance rates than your current company.

Six discounts for lower-cost auto insurance rates

The price of auto insurance can be rather high, but there may be some discounts that could drop your premiums quite a bit. Some discounts will apply when you get a quote, but a few must be specifically requested before you will receive the discount.

• E-sign Discounts
• Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can avoid the installment charge.
• First Accident Forgiveness – Not really a discount, but a handful of insurance companies allow you one accident without getting socked with a rate hike so long as you are claim-free before the accident.
• Discount for Good Grades – This discount could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
• Fewer Miles Equal More Savings – Maintaining low annual mileage could earn slightly better rates than normal.
• Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents and earn discounts up to 10%.

One last thing about discounts, some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A list of auto insurance companies and a partial list of their discounts are included below.

• State Farm has discounts for multiple autos, good driver, good student, defensive driving training, Steer Clear safe driver discount, accident-free, and passive restraint.
• Farmers Insurance may have discounts that include business and professional, early shopping, distant student, mature driver, pay in full, alternative fuel, and teen driver.
• Progressive has savings for multi-vehicle, online quote discount, good student, homeowner, and multi-policy.
• Geico offers discounts including military active duty, air bags, anti-lock brakes, seat belt use, membership and employees, and anti-theft.
• Auto-Owners Insurance may include discounts for good student, paperless, safe driver, safe vehicle, and anti-lock brakes.
• The Hartford may offer discounts for good student, defensive driver, vehicle fuel type, bundle, driver training, air bag, and anti-theft.
• Farm Bureau discounts include youthful driver, 55 and retired, multi-vehicle, multi-policy, and safe driver.
• USAA includes discounts for military installation, good student, new vehicle, vehicle storage, and driver training.

Before purchasing a policy, check with each company or agent to give you their best rates. Some credits might not be available to policyholders in your area. To choose providers offering auto insurance discounts, click this link.

You may need specialized insurance coverage

When it comes to buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can aid in determining whether you may require specific advice.

• Does coverage extend to a rental car in a foreign country?
• Is my cargo covered for damage or theft?
• Why does it cost so much to insure a teen driver?
• Will filing a claim cost me more?
• Is a new car covered when I drive it off the dealer lot?
• How does medical payments coverage work?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

The coverage is in the details

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Comprehensive protection – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, damage from getting keyed, rock chips in glass and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability insurance – This coverage will cover damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like medical services, structural damage, repair costs for stationary objects, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP pay for immediate expenses like doctor visits, X-ray expenses, EMT expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage pays for damage to your Azure caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Uninsured or underinsured coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2007 Bentley Azure.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Summing up your insurance search

Some insurance companies do not provide online quoting and many times these regional carriers prefer to sell through independent agents. Cheaper 2007 Bentley Azure insurance is attainable online as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

We just showed you a lot of ways to save on 2007 Bentley Azure insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest priced insurance comes from a small mutual company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

Additional detailed information can be found in these articles:

• Distracted Driving Extends Beyond Texting (State Farm)
• Credit Impacts Car Insurance Rates (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)