View 2002 Bentley Azure Car Insurance Rates

Searching for cheaper auto insurance rates for your Bentley Azure? I really doubt anyone looks forward to buying auto insurance, especially knowing the cost is too high.

There is such a variety of car insurance companies to choose from, and although it’s a good thing to have a choice, having more insurers makes it harder to find the lowest cost provider.

Reduce your auto insurance rates with discounts

The cost of insuring your cars can be expensive, but companies offer discounts that you may not even be aware of. Some discounts apply automatically at the time of quoting, but once in a while a discount must be specifically requested before you get the savings.

  • Waiver for an Accident – This one isn’t a discount, but a few companies such as State Farm and Geico will turn a blind eye to one accident without raising rates as long as you don’t have any claims prior to being involved in the accident.
  • Good Student Discount – Getting good grades may save as much as 25% on a insurance quote. Most companies allow this discount until age 25.
  • Renewal Discounts – Some insurance companies reward drivers for buying a new policy before your current coverage expires. You can save around 10% with this discount.
  • Full Payment Discount – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Low Miles Discount – Driving fewer miles can earn cheaper premium rates.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give a lower rate if you buy some life insurance too.
  • Theft Deterent System – Vehicles equipped with anti-theft or alarm systems can help prevent theft so companies will give you a small discount.
  • No Accidents – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote when compared to drivers with a long claim history.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if offered at their school.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.

If you would like to view providers that can offer you the previously mentioned discounts, click this link.

How to get the cheapest insurance coverage

Shopping for lower insurance coverage rates can be a daunting task if you don’t understand the most efficient way to do it. You can spend your afternoon driving to agents in your area, or you can utilize online quoting to maximize your effort.

Most of the larger companies take part in a program that allows shoppers to only type in their quote data once, and at least one company then gives them pricing based on that information. This eliminates the need for quote requests to each individual insurance coverage company.

To find out what other companies charge click to open in new window.

The one downside to using this type of system is you can’t choose the insurers you want pricing from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be certain you are entering equivalent quote data for every quote you compare. If you use higher or lower deductibles it’s impossible to get a fair rate comparison. Having just a slight variation in coverage limits may cause a big price difference. Just keep in mind that comparing more quotes helps locate better pricing. Not every company allows you to get rate quotes online, so it’s important to compare rates on coverage from those companies, too.

You are unique and your car insurance should be too

When buying proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.

  • What is PIP insurance?
  • Can I still get insurance after a DUI?
  • Why am I required to buy liability insurance?
  • Can my babysitter drive my car?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I hit a deer?
  • Do I really need UM/UIM coverage?
  • What companies insure drivers after a DUI or DWI?
  • Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverages for a 2002 Bentley Azure

Learning about specific coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like dental work, rehabilitation expenses and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, theft and damage from flooding. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance pays for damage to your Azure resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Bentley Azure.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverages

This will cover damage that occurs to people or other property in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as pain and suffering, court costs and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Best coverage at the best price

Cheaper insurance coverage can be sourced both online and from local agencies, so get free insurance quotes from both of them to have the best selection. Some insurance providers don’t offer price quotes online and most of the time these small insurance companies provide coverage only through independent agencies.

As you shop your coverage around, make sure you don’t reduce needed coverages to save money. In many instances, an insured cut uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your focus should be to purchase plenty of coverage for the lowest price, but do not skimp to save money.

We just covered some good ideas how you can shop for 2002 Bentley Azure insurance online. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the most savings is with a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

Additional detailed information can be read by following these links: