2009 Bentley Azure Car Insurance Quotes – 9 Tricks for Best Rates

Trying to find the cheapest insurance for a new or used Bentley Azure could be an all-consuming task, but you can follow our insurance coverage buying tips to make it easier.

There is a right way and a wrong way to shop for insurance coverage and you need to know the quickest way to price shop coverage for your Bentley and locate the lowest possible price.

It is always a good idea to compare prices periodically because prices fluctuate regularly. Even if you think you had the best deal on Azure insurance on your last policy there may be better deals available now. Starting right now, block out anything you think you know about insurance coverage because it’s time to teach you the tricks you need to know to properly buy coverages and cut your premium.

If you have a current car insurance policy or are shopping for new coverage, you can learn to find better prices and still get good coverage. Buying the cheapest car insurance coverage is simple if you know the tricks. Drivers only need to know the tricks to shop for car insurance online.

Save money by taking advantage of these nine discounts

Car insurance is not cheap, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be asked for before being credited. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Good Student – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Club Memberships – Affiliation with a professional or civic organization may earn a discount when buying insurance on Azure insurance.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Paperless Signup – A few companies may give you up to $50 for buying a policy and signing up online.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Defensive Driver – Successfully completing a driver safety course could cut 5% off your bill if your company offers it.
  • Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on Azure insurance than their less cautious counterparts.
  • New Vehicle Savings – Insuring a new car can save up to 30% due to better safety requirements for new cars.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free insurance policy, companies don’t profit that way. Any amount of discount will help reduce your premiums.

Car insurance companies who might offer some of the above discounts include:

Check with every prospective company what discounts are available to you. Discounts may not apply everywhere.

How to Lower Your Car Insurance Cost

Lowering your 2009 Bentley Azure car insurance rates can be quick and easy. All you need to do is invest a few minutes comparing rates online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

  1. The recommended way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do separate quotation requests for every car insurance company. A single form will return quotes from several companies. Recommended for those who want to invest the least amount of time.
  2. Another way to compare rate quotes is spending the time to visit each company’s website to complete their respective quote request forms. For instance, let’s assume you want rates from State Farm, Geico and Allstate. You would have to visit each site and enter your policy data, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The least efficient method to get comparison rates is driving around to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you require the trained guidance that only a license agent can provide. It is possible to price shop online but buy from a local insurance agent and we’ll talk about that later.

It’s your choice how you get your quotes, but double check that you are using the exact same coverage limits and deductibles for each comparison quote. If the quotes have higher or lower deductibles it will be impossible to make an equal comparison.

When should I use an insurance agent?

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Every situation is different.

For instance, these questions may help highlight whether you might need an agent’s assistance.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is an SR-22 filing?
  • Am I covered if hit by an uninsured driver?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my teenager covered with friends in the car?
  • Should I put collision coverage on all my vehicles?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

Car insurance coverages for a Bentley Azure

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, hail damage and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

This can cover damage that occurs to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, emergency aid, court costs, funeral expenses and attorney fees. How much coverage you buy is up to you, but consider buying higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your Azure caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like damaging your car on a curb, colliding with another moving vehicle, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as chiropractic care, pain medications, dental work, surgery and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Bentley Azure.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Make a quick buck

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed collision coverage only to find out that it was a big error on their part. Your aim should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

The cheapest 2009 Bentley Azure insurance is attainable on the web and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

We’ve covered many tips how you can get a better price on insurance. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the most savings is with some of the smallest insurance companies.

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