2002 Bentley Azure Insurance Cost – 6 Tricks for Cheaper Prices

Trying to find the cheapest insurance coverage rates for your Bentley Azure? Searching for the cheapest insurance for your Bentley Azure can turn out to be an all-consuming task, but you can follow our insurance coverage buying tips to save time. There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the best way to price shop coverage for your Bentley and find the lowest possible price.

It’s a good habit to get comparison quotes once or twice a year since insurance rates are rarely the same from one policy term to another. If you had the lowest rates for Azure coverage on your last policy you may be paying too much now. Block out anything you think you know about insurance coverage because you’re about to find out one of the easiest ways to find great coverage at a great price.

If you have a policy now or are looking for a new policy, you will benefit by learning to reduce the price you pay while maximizing coverage. Buying the best insurance is not that difficult. Drivers just need to learn the proper way to shop over the internet.

Save big with these six discounts

Auto insurance companies don’t always publicize all their discounts in an easy-to-find place, so we break down some of the best known and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Clubs and Organizations – Belonging to a qualifying organization may earn a discount on your policy for Azure coverage.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of more than 20%.
  • New Car Discount – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of providers with discount auto insurance rates, follow this link.

How to Compare Insurance Coverage Rates

Finding a better price on insurance coverage isn’t really that difficult. You just need to spend a few minutes on the computer comparing rates online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This easy form prevents you from having to do multiple quote forms for each company. Just one form gets you coverage quotes instantly. This is by far the quickest method.
  2. A slightly less efficient method to obtain and compare quotes online is to manually visit each company’s website and fill out their own quote form. For instance, we’ll assume you want comparison quotes from Auto-Owners, Liberty Mutual and Allstate. To get each rate you have to visit each site and enter your information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage limits with each company. If your comparisons have different values for each quote it will be next to impossible to make a fair comparison for your Bentley Azure.

But I don’t know anything about car insurance

When it comes to choosing coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if your insurance needs might need an agent’s assistance.

  • Does insurance cover tools stolen from my truck?
  • Is a blown tire covered by insurance?
  • Do I have coverage when making deliveries for my home business?
  • Can my teen drive my company car?
  • What if I owe more than I can insure my car for?
  • If my 2002 Bentley Azure is totaled, can I afford another vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages for a Bentley Azure

Understanding the coverages of car insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Bentley Azure.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Auto collision coverage

Collision insurance pays for damage to your Azure resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, driving through your garage door, colliding with another moving vehicle, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills for things like EMT expenses, hospital visits and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

Liability coverage will cover damage or injury you incur to a person or their property 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. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like medical expenses, emergency aid, bail bonds, repair costs for stationary objects and legal defense fees. How much coverage you buy is your choice, but consider buying as much as you can afford.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, damage from a tornado or hurricane, damage from getting keyed and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Shop Smart and Save

People change insurance companies for a number of reasons such as unfair underwriting practices, being labeled a high risk driver, questionable increases in premium and high prices. Whatever your reason, finding a great new company is not as hard as you think.

When shopping online for car insurance, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Cheap 2002 Bentley Azure insurance can be purchased from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

More tips and info about car insurance is available in these articles: