2002 Bentley Azure Car Insurance Quotes

Searching for better insurance coverage rates for your Bentley Azure? Shopping for cheap insurance coverage online is somewhat difficult for beginners to buying insurance online. With such a large number of online companies available, how can consumers possibly compare every one to find the lowest price?

It’s a great practice to do rate comparisons once or twice a year due to the fact that insurance rates change quite often. Just because you had the lowest price on Azure insurance a few years ago you can probably find a better price now. Don’t believe everything you read about insurance coverage online, so I’m going to show you some tested techniques to put money back in your pocket.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to reduce your rates substantially using these tips. But drivers can benefit from knowing the way companies price online insurance and apply this information to your search.

What determines your Bentley Azure insurance premium

It’s important that you understand some of the elements that come into play when calculating the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

The list below includes a few of the “ingredients” auto insurance companies consider when setting rates.

  • Your location affects your rates – Living in a rural area is a positive aspect when it comes to auto insurance. Lower population means fewer accidents. Urban drivers have to deal with more traffic problems and longer commutes to work. More time on the road translates into higher accident risk.
  • How credit affects auto insurance rates – Credit rating is a big factor in calculating your auto insurance rates. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have lower ratings. Therefore, if your credit score can use some improvement, you could pay less to insure your 2002 Bentley Azure by repairing your credit.
  • Always keep insurance in force – Allowing your auto insurance policy to lapse is a sure-fire way to pay more for auto insurance. Not only will you pay more, getting caught without coverage will get you a hefty fine and possibly a revoked license.
  • Choose a safe vehicle and save – Safer cars are cheaper to insure. Safe vehicles reduce injuries and better occupant protection means lower claim amounts passed on to you as lower rates. If the Bentley Azure scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • More claims means more premium – If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance companies give lower rates to people who file claims infrequently. Car insurance is meant to be used in the event of the large, substantial claims.
  • Add-on coverages can add up – There are a ton of extra bells and whistles that you can buy if you aren’t careful. Things like roadside assistance, towing coverage and membership fees may be costing you every month. These may sound like a good investment initially, but your needs may have changed so remove them from your policy.

How to save on 2002 Bentley Azure insurance

Car insurance companies don’t always list every discount in an easy-to-find place, so we researched both the well known as well as the least known ways to save on insurance coverage.

  • Resident Student – Any of your kids who live away from home and don’t have a car may qualify for this discount.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Claim Free – Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
  • Memberships – Belonging to certain professional organizations could qualify you for a break when shopping for insurance coverage on Azure insurance.
  • Defensive Driving Course – Successfully completing a defensive driving course can save you 5% or more depending on where you live.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.

Keep in mind that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

For a list of insurers with discount insurance coverage rates, click here.

Save $478 a year? Really?

Car insurance providers like Geico, State Farm and Progressive continually stream ads in print and on television. They all make the same claim that you can save after switching your coverage to them. How can each company make almost identical claims?

Insurance companies have a certain “appetite” for the type of driver that makes them money. For example, a profitable customer might be profiled as a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. A customer who matches those parameters receives the best rates and therefore will cut their rates substantially.

Drivers who don’t qualify for the “perfect” profile will have to pay a higher premium which usually ends up with the customer not buying. The ad wording is “customers that switch” not “people who quote” save that much. That’s the way companies can truthfully advertise the savings. Because of the profiling, it’s extremely important to compare as many rates as you can. It is impossible to predict which insurance companies will give you the biggest savings on Bentley Azure insurance.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

These are some specific questions might point out whether your personal situation could use an agent’s help.

  • What is the rate difference between pleasure use and commuting?
  • Why do I only qualify for high-risk insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I rent a car in Mexico?
  • Is my state a no-fault state?
  • Does liability extend to a camper or trailer?
  • Do I have newly-aquired coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Learn about insurance coverages for a 2002 Bentley Azure

Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for expenses such as prosthetic devices, pain medications, chiropractic care, dental work and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, a tree branch falling on your vehicle, a broken windshield and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2002 Bentley Azure.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability coverages – Liability insurance can cover damage or injury you incur to people or other property. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like attorney fees, repair bills for other people’s vehicles, funeral expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Collision coverage – This pays for damage to your Azure caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, backing into a parked car, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Shop Smart and Save

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where an insured cut uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Budget-conscious 2002 Bentley Azure insurance can be sourced both online as well as from independent agents, and you need to comparison shop both to have the best selection. Some companies don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

We just covered many ideas to lower your insurance rates. The key thing to remember is the more you quote, the better your comparison will be. Consumers may even find the best prices are with an unexpected company.

More detailed car insurance information is available at these sites: