Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 6, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Drivers have many options when trying to find low-cost Bentley Azure insurance. They can either waste time contacting agents getting price quotes or utilize the internet to find the lowest rates.

There is a right way and a wrong way to compare auto insurance rates and you need to know the quickest way to price shop coverage for your Bentley and obtain the best price possible.

It’s a good habit to get comparison quotes on a regular basis because auto insurance rates change frequently. If you had the best rate on Azure insurance at your last renewal you will most likely find a better price today. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the best ways to save money, get proper coverage and the best rates.

Get Bentley Azure insurance cheaper

It’s important that you understand the factors that aid in calculating your policy premiums. When you understand what determines base rates, this helps enable you to make changes that could result in cheaper rates.

The items below are a few of the things used by your company to calculate premiums.

  • Deter vehicle theft – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping your car from being stolen.
  • Expect high rates for teens – Mature drivers are more cautious drivers, tend to file fewer claims .Drivers with little experience have a tendency to be inattentive when at the wheel of a vehicle so car insurance rates are higher.
  • Your occupation may affect car insurance rates – Do you work in a high-stress field? Jobs such as doctorsairline pilots and miners usually pay the highest average rates due to intense work requirements and extremely grueling work hours. Other occupations such as farmers, students and performers get better rates on Azure insurance.
  • Choose high NHTSA crash test ratings and save – Safer cars cost less to insure. These vehicles protect occupants better and fewer serious injuries means less claims paid passed on to you as lower rates. If the Bentley Azure is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Claim-free discounts can add up – Auto insurance companies provide better rates to drivers who do not file claims often. If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Discounts to earn affordable car insurance rates

Some insurers do not list every discount they offer very well, so the following is a list of a few of the more common and also the more inconspicuous credits available to you.

  • Low Miles Discount – Low mileage vehicles could earn cheaper car insurancerates.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
  • Air Bags and Passive Restraints – Options like air bags or automatic seat belts can get savings of 20 to 30 percent.
  • Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Drive Safe and Save – Insureds who avoid accidents may save up to 50% more on Azure insurance than their less cautious counterparts.
  • Multiple Policy Discount – If you can combine your auto and homeowners policy and insure them with the same company you may save up to 20% off your total premium.
  • Save over 55 – Drivers over the age of 55 may be able to get a discount up to 10% on Azure insurance.

As a sidenote, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Companies and a selection of discounts are included below.

  • AAA offers discounts including good student, AAA membership discount, education and occupation, multi-policy, and multi-car.
  • Progressive offers discounts for good student, continuous coverage, multi-policy, multi-vehicle, online quote discount, online signing, and homeowner.
  • State Farm has savings for multiple autos, good student, driver’s education, Drive Safe & Save, multiple policy, defensive driving training, and anti-theft.
  • Esurance may offer discounts for claim free, multi-policy, good driver, homeowner, DriveSense, anti-theft, and emergency road assistance.
  • Nationwide may include discounts for accident-free, family plan, multi-policy, good student, and defensive driving.

Check with each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered in your state. To choose companies that have a full spectrum of discounts, follow this link.

Don’t be fooled by advertising claims

Consumers can’t get away from all the ads that claim the cheapest prices by Allstate and Progressive. All the companies try to convey promises about savings just by moving to them.

How does every insurance company say the same thing? This is how they do it.

Insurance companies have a certain “appetite” for the type of driver that earns them a profit. For instance, a desirable risk might be between the ages of 30 and 50, has a clear driving record, and drives less than 5,000 miles a year. Anybody who meets those qualifications receives the best car insurance rates and have a good chance to save money with a new company.

Potential insureds who cannot meet those criteria will get a higher rate which translates to business not being written. The ad wording is “people that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why insurance companies can confidently lure you into getting a quote.

This really illustrates why it’s extremely important to quote coverage with many companies. It is impossible to predict which insurance companies will provide the lowest prices.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether you might need an agent’s assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When would I need rental car insurance?
  • Does my car insurance cover rental cars?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why am I required to buy liability insurance?
  • Am I covered if I break a side mirror?
  • Do I need replacement cost coverage on my 2009 Bentley Azure?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Coverages available on your policy

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

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

Collision insurance covers claims like backing into a parked car, scraping a guard rail, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Auto liability insurance

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2009 Bentley Azure.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix 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 protects against things like rock chips in glass, vandalism and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as funeral costs, X-ray expenses and chiropractic care. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Be a money saver!

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced collision coverage and found out when filing a claim that it was a big mistake. The goal is to buy enough coverage at the lowest possible cost while still protecting your assets.

Drivers leave their current company for many reasons like high rates after DUI convictions, being labeled a high risk driver, lack of trust in their agent or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching companies is actually quite simple.

We covered a lot of information how to save on 2009 Bentley Azure insurance. The most important thing to understand is the more times you quote, the higher your chance of finding low cost insurance coverage. You may even find the best price on car insurance is with the least-expected company.

More detailed car insurance information can be found in these articles: