How Much Does 2008 Bentley Azure Insurance Cost?

No one likes having to buy insurance, particularly when their premiums are too high. Multiple insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best rates possible.

It’s smart to price shop coverage every six months since insurance rates tend to go up over time. Even if you got the lowest rates for Azure coverage on your last policy the chances are good that you can find a lower rate today. Starting right now, ignore everything you know about insurance because we’re going to show you the only way to save on insurance.

Bentley Azure rates are complex

It’s important that you understand the factors that come into play when calculating the price you pay for insurance. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with lower insurance prices.

  • Bundling policies can get discounts – Some insurance companies will award you with lower prices to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even though this discount sounds good, it’s still a good idea to comparison shop to verify if the discount is saving money.
  • Allowing your policy to lapse raises rates – Letting your insurance expire is a guaranteed way to bump up your insurance costs. Not only will you pay more, getting caught without coverage can result in a license revocation or jail time.You may need to file a SR-22 with your state department of motor vehicles.
  • Your age impacts your rates – Mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations. Young drivers are statistically proven to get distracted easily in a vehicle therefore insurance rates are much higher.
  • Low deductibles can be expensive – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Bentley from damage. Examples of covered claims are collision with another vehicle, vandalism, and rolling your vehicle. Your deductibles are the amount of money you are required to spend in the event of a claim. The more you’re willing to pay, the less your insurance will be for Azure coverage.
  • High crash test scores lower rates – Safer cars can get you lower premiums. Safe vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If the Bentley Azure earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Liability coverage is peace of mind – Liability coverage will protect you in the event that you are found liable for personal injury or accident damage. It provides for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Credit scores impact insurance rates – Credit rating is a important factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower credit ratings. So if your credit score can use some improvement, you could pay less to insure your 2008 Bentley Azure by spending a little time repairing your credit.

Don’t miss these discounts

Car insurance can cost a lot, but you may find discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but lesser-known reductions have to be asked for before you get the savings. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Low Mileage – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Homeowners Savings – Owning a home may earn you a small savings because owning a home requires personal responsibility.
  • Sign Online – A handful of insurance companies give back up to $50 just for signing your application over the internet.
  • Accident Free – Drivers with accident-free driving histories pay much less when compared with drivers who are more careless.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Multi-car Discount – Insuring more than one vehicle with the same company may reduce the rate for each vehicle.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will reduce the cost of coverage.

A partial list of companies that may have some of the above discounts are:

Check with every prospective company which discounts they offer. All car insurance discounts might not be offered in every state.

Can you really save $394 a year?

Drivers constantly see and hear ads for car insurance savings by companies like Progressive, Allstate and Geico. All the ads say the same thing of big savings if you switch to them.

How can each company say the same thing?

Insurance companies can use profiling for the type of customer that earns them a profit. For instance, a driver they prefer might be between 25 and 40, has no tickets, and drives newer vehicles. A driver who matches those parameters will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who are not a match for the requirements will have to pay more money and this can result in the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can make the claims of big savings.

Because of the profiling, drivers must get as many quotes as possible. It’s just too difficult to predict the company that will have the lowest Bentley Azure insurance rates.

When might I need help?

When choosing coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. These are some specific questions might help in determining if your insurance needs may require specific advice.

  • Does my car insurance cover rental cars?
  • Am I missing any policy discounts?
  • What is high-risk coverage and where do I buy it?
  • Is business equipment covered while in my vehicle?
  • Can I rent a car in Mexico?
  • Should I get collision insurance on every vehicle?
  • I don’t drive much so do I pay less?
  • What exactly is covered by my policy?
  • Will filing a claim cost me more?
  • Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.

Information about specific coverages

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are the usual coverages offered by insurance companies.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills for things like doctor visits, nursing services and EMT expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance will pay to fix damage to your Azure resulting from a 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 coverage pays for things like crashing into a ditch, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, damage from a tornado or hurricane, falling objects, fire damage and rock chips in glass. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Coverage for liability – This will cover damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like bail bonds, court costs, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

The bottom line

Affordable 2008 Bentley Azure insurance is definitely available online as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped full coverage only to regret that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage for the lowest price.

More tips and info about insurance coverage is available in the articles below: