Save on 2003 Bentley Azure Car Insurance Cost

Are you regretting buying high-priced auto insurance? Don’t sweat it because there are many drivers thinking the same thing.

Lots of insurers contend for your insurance dollar, so it’s not easy to compare every company to find the absolute lowest rate

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Buying car insurance is not that difficult. But vehicle owners can benefit from knowing the way companies price online insurance because it can help you find the best coverage.

How to get insurance quotes

When shopping for insurance there are multiple ways of comparing price quotes from local insurance companies. The fastest way to find cheaper 2003 Bentley Azure rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

  1. Without a doubt, the easiest way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing separate forms for every prospective company. A single form will get you price quotes direct from many companies.
  2. A slightly less efficient method to get quotes online consists of going to the website of each company and request a quote. For instance, let’s say you want comparison quotes from Progressive, 21st Century and Farmers. In order to compare rates, you need to go to each individual site and repeatedly enter your information, which is not fast way to get rate quotes.

    To view a list of companies in your area, click here.

  3. The hardest method to get comparison rates is driving to local insurance agencies. The ability to quote online eliminates the middleman unless you require the professional abilities of a licensed agent. If you prefer, some companies allow you to comparison shop online and get advice from an agent in your area.

You can use whichever method you prefer to find lower rates, just make sure you use the exact same quote information on every price quote you get. If your comparisons have different values for each quote it’s impossible to determine the best price for your Bentley Azure. Quoting even small variations in insurance coverages can result in a big premium difference. Keep in mind that comparing a wide range of rates helps increase your odds of locating lower pricing.

These discounts can lower your insurance rates

The cost of insuring your cars can be expensive, but there are discounts available that may help make it more affordable. A few discounts will automatically apply at the time of quoting, but occassionally some discounts must be specially asked for prior to getting the savings.

  • One Accident Forgiven – Not necessarily a discount, but some companies like GEICO and Liberty Mutual will forgive one accident without the usual rate increase if you are claim-free before the accident.
  • Claim-Free Discount – Claim-free drivers are rewarded with significantly better rates on insurance quote in comparison with accident-prone drivers.
  • Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Student Discounts – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
  • Professional Organizations – Participating in a civic or occupational organization is a simple method to lower premiums on your next insurance statement.

As a sidenote, many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, that’s just not realistic.

A few popular companies and their possible discounts are shown below.

  • State Farm has savings for good driver, anti-theft, driver’s education, Drive Safe & Save, and good student.
  • Esurance offers premium reductions for paid-in-full, DriveSense, online shopper, online quote, good student, and multi-policy.
  • Progressive may offer discounts for homeowner, multi-policy, multi-vehicle, online signing, good student, and online quote discount.
  • Liberty Mutual may include discounts for new move discount, preferred payment discount, multi-car, exclusive group savings, new graduate, multi-policy, and hybrid vehicle.
  • Auto-Owners Insurance discounts include anti-theft, air bags, safe driver, paperless, multiple vehicles, and student away at school.
  • GEICO includes discounts for driver training, anti-lock brakes, military active duty, daytime running lights, membership and employees, seat belt use, and defensive driver.

Check with all the companies to apply every possible discount. Some of the discounts discussed earlier may not be offered in your area. To find providers with the best discounts, click this link.

Different people need different insurance coverage coverages

When it comes to buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help you determine if your situation might need an agent’s assistance.

  • How can I get high-risk coverage after a DUI?
  • Can my teen driver be rated on a liability-only vehicle?
  • Why do I need rental car insurance?
  • Should I waive the damage coverage when renting a car?
  • What is high-risk coverage and where do I buy it?
  • When should I remove comp and collision on my 2003 Bentley Azure?
  • Does my 2003 Bentley Azure qualify for pleasure use?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Cut insurance costs with these tips

The best way to find cheaper auto insurance is to take a look at the rating factors that come into play when calculating your policy premiums. If you know what determines premiums, this enables informed choices that could result in lower auto insurance prices.

  • Older drivers are lower risk – Older insureds tend to be more responsible, file fewer claims and are safer drivers.Young drivers are statistically shown to be careless and easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher.
  • Low mileage costs less – The more miles you rack up on your Bentley each year the more it will cost to insure it. The majority of insurers calculate prices based on their usage. Cars that do not get driven very much qualify for better rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Azure may be wasting your money. Ask your agent if your auto insurance declarations sheet is rated on the correct driver usage, because improper ratings can cost you money.
  • Discounts for married drivers – Being married may cut your premiums on auto insurance. Having a spouse may mean you are more mature and insurance companies like that married drivers get in fewer accidents.
  • High policy claims frequency drives up premiums – If you file claims often, don’t be surprised to see either a policy non-renewal or much higher rates. Insurance companies award the best rates to drivers who do not rely on their insurance for small claims. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Deter theft and reduce premiums – Selecting a car model with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft and help bring rates down.
  • What’s your car’s crash test rating? – Vehicles with good safety scores tend to have better insurance rates. These vehicles reduce the chance of injuries and fewer injuries means your insurance company pays less and lower rates for you. If your Bentley Azure is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Cautious drivers pay lower prices – Having just one moving violation may increase your cost twenty percent or more. Drivers who don’t get tickets tend to pay less for car insurance as compared to those with violations. Drivers who have gotten dangerous violations like hit and run, DWI or reckless driving convictions might be required by their state to file a SR-22 with their state in order to prevent a license revocation.

Misconceptions in car insurance advertisements

Big name companies like Progressive, Allstate and GEICO consistently run ads on television and other media. All the ads tend to make the same promise that you can save just by moving your coverage to them. How is it possible that every company can charge you a lower premium? It’s all in the wording.

Many companies can use profiling for the type of driver that makes them money. One example of a preferred risk might be a married male, is a homeowner, and has a short commute. Anyone who matches those parameters will most likely get cheap premium rates and will probably save if they switch.

Insureds who do not meet the “perfect” profile will see a more expensive rate which results in business going elsewhere. If you pay close attention to the ads, they say “people who switch” but not “everyone who gets a quote” save that much money. This is how insurance companies can confidently state the savings. This emphasizes why you really need to compare quotes as often as possible. It is impossible to guess which insurance companies will give you the biggest savings.

Insurance coverage considerations

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Bentley Azure.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, damage from flooding and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

This coverage protects you from injuries or damage you cause to a person or their property. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like structural damage, loss of income, emergency aid and funeral expenses. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Collision coverage

This coverage pays for damage to your Azure from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, driving through your garage door, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like dental work, hospital visits and nursing services. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

A fool and his money are soon parted

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed physical damage coverage to discover at claim time that the savings was not a smart move. The aim is to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

You just learned a lot of techniques to reduce 2003 Bentley Azure insurance premium rates online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers may even find the biggest savings come from the smaller companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

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