Cheaper 2009 Bentley Azure Insurance Rates

Feel like you’re a prisoner to high-priced auto insurance? It’s quite common and there are many drivers thinking the same thing.

Due to the fact that there are so many online and local companies to choose from, it can be hard to find the best auto insurance provider.

It’s a good habit to compare rates periodically because auto insurance rates are constantly changing. Despite the fact that you may have had the best premium rates for Azure coverage last year the chances are good that you can find a lower price today. There is a lot of bad advice regarding auto insurance on the web, but in just a couple of minutes you can learn some of the best techniques to quit paying high auto insurance rates.

Pricing the lowest cost protection is easy if you know what you’re doing. In a nutshell, every vehicle owner who has to buy car insurance will most likely be able to find lower rates. Although consumers can benefit from knowing how insurance companies compete online and apply this information to your search.

Quote car insurance online

Many insurance companies provide prices on the web. Comparing prices online is very simple as you simply enter the amount of coverage you want into a form. Upon sending the form, their rating system will order information on your driving record and credit history and generates pricing information based on these factors. This makes it a lot easier to compare rates but the time it takes to visit many different websites and type in the same information is a waste of time. But it’s absolutely necessary to have as many quotes as possible in order to get the best price possible.

Keep reading for an easier way to compare prices

A more efficient way to get multiple rate quotes makes use of a single form that gets price quotes from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes comparison shopping much easier. After your information is entered, your coverage is rated and you can choose your choice of the price quotes you receive.

If you find a better price it’s easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and could lower your rates considerably.

To fill out one form to compare multiple rates now, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you input coverages and limits identical to your current policy. Doing this guarantees you will have comparison quotes for exact coverage.

Don’t overlook these insurance coverage discounts

Some providers don’t necessarily list every policy discount very clearly, so the list below contains both well-publicized and also the lesser-known credits available to bring down your rates. If you aren’t receiving every discount possible, you are paying more than you should be.

• Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
• Theft Prevention System – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.
• Accident Free – Insureds who avoid accidents and claims pay much less compared to insureds who have frequent claims or accidents.
• Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.
• Accident Forgiveness Coverage – This one is not really a discount per se, but some companies like Libery Mutual, Geico and Allstate may permit one accident without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.
• Discounts for Good Drivers – Drivers who avoid accidents can save as much as half off their rates for Azure coverage as compared to drivers with claims.
• Sign Online – Some larger companies will give a small break get auto insurance digitally online.

As a footnote on discounts, some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

A few of the larger companies and a summarized list of policyholder discounts are outlined below.

• State Farm offers premium reductions for Drive Safe & Save, multiple policy, passive restraint, accident-free, defensive driving training, good student, and driver’s education.
• Geico has savings for multi-vehicle, driver training, anti-lock brakes, five-year accident-free, air bags, good student, and emergency military deployment.
• Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, good student, online signing, multi-policy, and homeowner.
• 21st Century may have discounts that include 55 and older, air bags, defensive driver, teen driver, and driver training.
• American Family offers discounts including multi-vehicle, early bird, accident-free, good student, bundled insurance, and good driver.
• The Hartford has discounts for vehicle fuel type, anti-theft, defensive driver, bundle, and air bag.
• AAA discounts include multi-car, multi-policy, good student, good driver, and pay-in-full.

When quoting, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in every state. To find companies who offer cheap insurance coverage quotes, follow this link.

When to get professional advice

When it comes to choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.

• Can I afford to buy a different vehicle if my 2009 Bentley Azure is totaled?
• Should I have combined single limit or split liability limits?
• Does my 2009 Bentley Azure qualify for pleasure use?
• Do I have coverage when making deliveries for my home business?
• Why does it cost so much to insure a teen driver?
• When should I not file a claim?
• What can I do if my company won’t pay a claim?
• When does my teenage driver need to be added to my policy?
• Do I need an umbrella policy?
• Do I have coverage if my license is suspended?

If you don’t know the answers to these questions but a few of them apply, you might consider 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.

Lower the price of insurance coverage with these tips

Many different elements are part of the equation when you get your auto insurance bill. Some are obvious like an MVR report, although others are more obscure such as your marital status or your vehicle rating.Part of the insurance coverage buying process is learning the rating factors that help calculate your insurance coverage rates. If you understand what determines base rates, this enables you to make decisions that could help you find cheaper rates.

• Prevent theft and save – Choosing a vehicle with a theft deterrent system can save you some money. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent car theft and help bring rates down.
• Annual mileage and car insurance costs – The higher the mileage driven annually the more you will pay for insurance coverage. Most insurance companies charge rates partially by how you use the vehicle. Cars that are left in the garage receive better premium rates than vehicles that have high annual mileage. It’s always a good idea to double check that your insurance coverage policy is showing annual mileage. Incorrect rating for your Azure is throwing money out the window.
• Gender and insurance – Over the last 30 years, statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Males and females are in fender benders at about the same rate, but men have costlier accidents. Not only are claims higher, but men receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive insurance coverage rates.
• Costs increase with policy add-ons – Insurance companies have many add-on coverages that can waste your money if you don’t pay attention. Things like roadside assistance, accidental death, and membership fees may be wasting your money. They may seem like a good idea at first, but your needs may have changed so eliminate them to save money.
• Vehicles with better crash test results are cheaper to insure – Vehicles with high crash test scores tend to be cheaper to insure. These vehicles reduce occupant injuries and any reduction in injury severity means lower claim amounts which can result in lower premiums.
• Where you reside is a factor – Residing in a small town can save you money when it comes to insurance coverage. Lower population corresponds to lower accident rates and lower theft and vandalism rates. Drivers in populated areas have more road rage incidents and much longer commute distances. More time commuting means more chance of being in an accident.
• Your job may affect premiums – Occupations like lawyersairline pilots and accountants tend to have higher rates than average attributed to intense work requirements and long work days. Other careers such as farmers, historians and performers generally pay rates lower than average for Azure coverage.
• Rates can drop if you have more than one policy – Many companies give lower prices to buyers that purchase more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, it’s in your best interest to comparison shop to verify if the discount is saving money. Drivers may still find lower rates by insuring with multiple companies.

Car insurance coverage specifics

Having a good grasp of car insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Bentley Azure.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, a broken windshield, fire damage, rock chips in glass and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding 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 coverage protects against claims like colliding with another moving vehicle, scraping a guard rail, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses such as funeral costs, prosthetic devices, surgery and rehabilitation expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability car insurance

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

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as loss of income, court costs, attorney fees and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

At the end of the day…

When getting auto insurance quotes online, you should never buy poor coverage just to save money. There are a lot of situations where someone sacrificed full coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

In this article, we covered a lot of tips how to reduce 2009 Bentley Azure insurance premium rates online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with a small local company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Geico and State Farm.

Additional information

• Older Drivers FAQ (iihs.org)
• Anti-Lock Brake FAQ (iihs.org)
• Collision Insurance Coverage (Nationwide)
• How to Avoid Common Accidents (State Farm)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)