Lower Your 2007 Bentley Azure Insurance Quotes

Searching for better insurance rates for your Bentley Azure? Buying the most affordable insurance online can be difficult for consumers not familiar with online price comaprisons. With dozens of choices, how can drivers have a chance to compare every company to locate the lowest price available?

It’s smart to do rate comparisons quite often since insurance rates are adjusted regularly by insurance companies. Just because you found the lowest rates for Azure coverage last year other companies may now be cheaper. So ignore everything you know about insurance because I’m going to teach you how to use the internet to save on insurance.

Finding affordable coverage is not rocket science. If you have car insurance now, you will most likely be able to cut costs considerably using these methods. Nevertheless, consumers need to learn how companies price insurance differently because it can help you find the best coverage.

Save big with these discounts

Auto insurance companies do not advertise every available discount very well, so the following is a list of some of the best known and the more hidden ways to save on car insurance.

  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current expiration date. The savings is around 10%.
  • College Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn lower rates on the low mileage vehicles.

It’s important to note that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, you’re out of luck.

To see a list of companies with discount car insurance rates, click here to view.

But I don’t know anything about car insurance

When buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions could help you determine if your insurance needs might need professional guidance.

  • How do I buy GAP insurance?
  • What is UM/UIM insurance?
  • Am I missing any policy discounts?
  • Is a blown tire covered by insurance?
  • Do I really need UM/UIM coverage?
  • Is my dog or cat covered if injured in an accident?
  • Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

The insurance coverage bait and switch

Allstate, Geico and Progressive consistently run ads in print and on television. All the companies say the same thing that you’ll save big if you change to their company. How do they all say the same thing?

All companies can use profiling for the type of customer that is profitable for them. For example, a desirable insured could be between 25 and 40, has no tickets, and chooses high deductibles. A customer who matches those parameters will qualify for the lowest rates and as a result will probably save when switching.

Drivers who do not match this ideal profile must pay higher prices and this can result in business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save that much. That’s the way companies can truthfully claim big savings. This illustrates why it is so important to get as many comparisons as possible. You cannot predict which insurance companies will have the lowest Bentley Azure insurance rates.

Information about specific coverages

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement.

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things such as medical expenses, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses like funeral costs, rehabilitation expenses, prosthetic devices, surgery and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays for damage to your Azure from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Bentley Azure.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, hitting a bird, damage from getting keyed and fire damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Final thoughts

As you prepare to switch companies, you should never buy poor coverage just to save money. In many instances, an accident victim reduced full coverage to discover at claim time they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

Drivers switch companies for a variety of reasons including policy non-renewal, questionable increases in premium, high rates after DUI convictions or even lack of trust in their agent. It doesn’t matter what your reason, finding the right auto insurance provider is easier than you think.

Discount 2007 Bentley Azure insurance can be sourced both online as well as from independent agents, so you should compare both to have the best chance of lowering rates. A few companies don’t offer online quoting and these smaller companies work with independent agents.

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