2001 Bentley Azure Car Insurance Rates

Trying to find the cheapest insurance coverage rates for your Bentley Azure? Are you sick and tired of scraping the payment together to buy car insurance? You’re in the same situation as millions of other consumers. Many auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to discover the definitive best rate

Discounts to lower 2001 Bentley Azure insurance rates

Companies that sell car insurance do not advertise all their discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Multiple Policy Discount – If you have multiple policies with the same insurance company you may save at least 10% off all policies.
  • Early Signing – Select companies give a discount for switching to them before your current policy expires. This can save 10% or more.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Azure insurance than drivers with accident claims.
  • No Claims – Drivers who don’t have accidents pay less when compared with bad drivers.
  • Memberships – Participating in certain professional organizations could trigger savings when shopping for insurance for Azure insurance.
  • Homeowners Pay Less – Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts of up to 25% or more.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

Car insurance companies that may have these benefits may include but are not limited to:

Double check with each insurance company which discounts you may be entitled to. All car insurance discounts might not be offered in your state.

Tailor your coverage to you

When it comes to buying the best insurance coverage, there is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

  • When can I cancel my policy?
  • How many claims can I have before being cancelled?
  • Am I covered when driving in Canada or Mexico?
  • When would I need additional glass coverage?
  • What is medical payments coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I carry comprehensive and collision coverage?
  • Is a fancy paint job covered?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance specifics

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages offered by auto insurance companies.

Collision coverage

Collision insurance 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 and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, hitting a mailbox, damaging your car on a curb, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, hitting a deer, falling objects and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for EMT expenses, funeral costs, nursing services and hospital visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability

This coverage protects you from damage that occurs to people or other property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like legal defense fees, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Bentley Azure.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Saving money is sweet as honey

We just presented many tips how you can save on 2001 Bentley Azure insurance. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from a smaller regional carrier. These companies can often provide lower rates in certain areas than the large multi-state companies such as GEICO and State Farm.

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

More detailed car insurance information can be read in the articles below: