2001 Bentley Azure Insurance Rates

Want lower insurance rates for your Bentley Azure? Are you a victim of overpriced insurance? Don’t sweat it because many consumers feel financially strained by their insurance policy.

Due to the fact that there are so many insurance companies to choose from, it can be diffult for drivers to locate the cheapest insurance company.

Choosing the best insurance company for you is not that difficult. Basically, anyone who is shopping for auto insurance will more than likely be able to lower their premiums. Nevertheless, consumers do need to learn the methods companies use to market on the web.

How to buy car insurance online

Many insurance companies provide prices for coverage on their websites. This process is fairly simple as you just type in your personal and coverage information as detailed in the form. Once you submit the form, their rating system will order reports for credit and driving violations and quotes a price based on the information you submitted. Online price estimates makes comparing rates easy, but the process of having to visit many different websites and enter the same data into a form is a waste of time. But it’s very important to get many rate quotes if you want to get the lowest possible prices on car insurance.

The easy way to compare rates

An easier way to lower your rates uses one form that obtains quotes from several different companies. The form is fast, eliminates form submissions, and makes rate comparisons a little more enjoyable. After sending the form, your coverage is rated and you can select any of the pricing results. If you find a better price you can simply submit the application and buy the new coverage. It can be completed in a matter of minutes and may save quite a bit of money.

In order to compare rates now, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you complete the form with the limits and deductibles as shown on your current policy. This helps ensure you will have comparison quotes for similar coverage.

Can you really save that much by switching?

Insurance coverage companies such as Geico, State Farm and Progressive seem to constantly run ads on television and other media. They all seem to make the point that drivers will save a bundle if you switch your policy. How is it plausible that every one can charge less that you’re paying now?

Insurance providers look for specific characteristics for the driver that will most likely be profitable. A good example of a profitable risk profile could possibly be over the age of 40, has a clean driving record, and has excellent credit. Any person who meets those qualifications will get a cheap rate quote and is almost guaranteed to pay quite a bit less when switching companies.

Insureds who cannot meet these standards will be quoted more expensive rates which usually ends up with business going elsewhere. The trick companies use is to say “customers who switch” not “everyone that quotes” can get the lowest rates when switching. That is how insurance companies can make those statements. Because each company has a different risk profile, drivers must compare quotes as often as possible. It is impossible to guess the company that will provide the lowest prices.

Smart buyers know how to quote insurance coverage at a discount

A large part of saving on insurance coverage is knowing the different types of things that go into determining the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that may result in cheaper rates.

  • Deter theft and pay less – Choosing a vehicle that has an advanced theft prevention system can save you some money. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping vehicle theft.
  • Females tend to be lower risk – Statistics show that women are safer drivers than men. However, don’t assume that females are better at driving than males. Women and men get in auto accidents in similar numbers, but the males have costlier accidents. They also get ticketed for serious violations like reckless driving and DUI. Male drivers age 16 to 19 have the highest risk to insure and therefore pay the highest rates.
  • Never let your policy expire – Not maintaining insurance can get you a ticket and your next policy will cost more because you let your insurance expire. Not only will you pay more, getting caught without coverage can result in a license revocation or jail time.
  • Insurance companies don’t like frequent insurance coverage claims – If you frequently file small claims, don’t be surprised to see either policy cancellation or increased premiums. Auto insurance companies award most affordable rates to policyholders who file claims infrequently. Insurance coverage is meant to be used in the event of larger claims.
  • Lower premiums for vehicles with better crash test results – Safe vehicles tend to have lower insurance rates. The safest vehicles protect occupants better and fewer injuries means less claims paid and lower rates for you. If your Bentley Azure scored at minimum four stars on Safercar.gov you may be receiving a better rate.
  • Extra policy coverages push up costs – There are a ton of extra coverages you can purchase on your Azure policy. Add-on coverages like rental car coverage, accident forgiveness, and extra life insurance coverage may not be needed and are just wasting money. The coverages may be enticing initially, but your needs may have changed so get rid of them and save.

These discounts can reduce insurance rates

Insurance can be pricey, but there’s a good chance there are discounts that you may not know about. A few discounts will be applied when you quote, but some may not be applied and must be requested specifically before you get the savings.

  • Driver Training Discounts – Taking part in a course in driver safety could save 5% or more and easily pay for the cost of the class.
  • Driving Data Discount – Insureds that choose to allow their insurance company to monitor vehicle usage by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they are good drivers.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
  • Online Discount – Some of the larger companies will give you a small discount for buying a policy and signing up on the web.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts may be able to save a few bucks off PIP or medical payments premium.
  • Drive Less and Save – Maintaining low annual mileage may allow you to get lower insurancerates on the low mileage vehicles.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you can get free auto insurance, insurance companies wouldn’t stay in business.

Popular insurance companies and some of the premium reductions they offer are shown below.

  • Geico offers discounts including federal employee, anti-lock brakes, military active duty, daytime running lights, and multi-policy.
  • SAFECO discounts include safe driver, bundle discounts, multi-car, accident prevention training, drive less, and teen safe driver.
  • State Farm offers premium reductions for good student, multiple autos, Steer Clear safe driver discount, safe vehicle, anti-theft, student away at school, and good driver.
  • MetLife may offer discounts for multi-policy, good driver, good student, defensive driver, claim-free, and accident-free.
  • 21st Century may have discounts that include homeowners, student driver, defensive driver, driver training, and air bags.
  • Progressive may include discounts for homeowner, good student, multi-policy, multi-vehicle, and online signing.

Before buying, ask each company which discounts they offer. Savings may not apply to policies in every state. To choose providers with significant discounts, click here to view.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

  • Am I covered when using my vehicle for business?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need replacement cost coverage on my 2001 Bentley Azure?
  • Can I still get insurance after a DUI?
  • Is a blown tire covered by insurance?
  • How much can I save by bundling my policies?
  • Is my custom paint covered by insurance?
  • Do I have coverage if my license is suspended?
  • Where can I find DUI or SR-22 insurance?
  • Are rock chip repairs covered?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance policy coverages for a Bentley Azure

Learning about specific coverages of a insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Collision insurance

This coverage will pay to fix damage to your Azure from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, colliding with a tree and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from getting keyed, fire damage and falling objects. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like chiropractic care, prosthetic devices and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability insurance

This coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as medical services, repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Bentley Azure.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

What is YOUR best insurance company?

When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage only to discover later that it was a big mistake. The aim is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Cheaper auto insurance can be bought online as well as from insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. Some companies may not provide the ability to get quotes online and these small, regional companies work with independent insurance agents.

Additional learning opportunities