How Much Does 2009 Bentley Azure Insurance Cost?

Are you tired of scraping the payment together to buy car insurance? You are in the same boat as many other drivers.

Big companies like Geico, Progressive and Allstate all promote huge savings with advertising and it is difficult to separate fact from fiction and take the time to shop coverage around.

Parts of the Bentley Azure rate equation

Smart consumers have a good feel for the different types of things that go into determining auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in better auto insurance rates.

  • Do you have enough liability coverage? – Liability insurance is the coverage that protects you in the event that you are found to be at fault for personal injury or accident damage. Liability provides legal defense which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Claim-free discounts can add up – If you frequently file small claims, you can look forward to either higher rates or even cancellation. Insurance companies generally give lower rates to insureds who do not rely on their insurance for small claims. Car insurance is intended for larger claims.
  • Do men or women drive better? – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes cause accidents in similar percentages, but the men cause more damage. Men also statistically get cited for more serious violations such as reckless driving. Teenage male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • Pay less after the wedding – Getting married helps lower the price when buying auto insurance. Having a spouse is viewed as being more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Poor driving leads to higher costs – Drivers who don’t get tickets get better rates than their less careful counterparts. Even one speeding ticket can bump up the cost by as much as thirty percent. If you have dangerous violations like DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.

Which Car Insurance is Cheapest?

All major car insurance companies like State Farm, Allstate and Geico allow you to get prices directly from their websites. Obtaining pricing doesn’t take a lot of time as you simply enter your required coverages as requested by the quote form. Once entered, their system pulls your credit score and driving record and provides a quote based on these and other factors. Quoting online streamlines rate comparisons, but the time it takes to visit different websites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to perform this step if you want to find a better rate.

Quote rates the easy way

An easier way to locate the lowest prices makes use of a single form that gets price quotes from a bunch of companies at once. This type of form saves time, requires less work, and makes online price comparison a lot less work. As soon as the form is sent, it is rated and you are able to buy your choice of the price quotes you receive. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and could lower your rates considerably.

To fill out one form to compare multiple rates now, click here to open in new window and enter your information. If you currently have coverage, we recommend you input deductibles and limits exactly as shown on your declarations page. This ensures you will have an apples-to-apples comparison for exact coverage.

Cut prices on 2009 Bentley Azure insurance

Auto insurance companies don’t list every discount in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find ways to save on insurance.

  • Safe Drivers – Drivers who avoid accidents may save up to 50% more on Azure coverage than drivers with accidents.
  • No Claims – Drivers who don’t have accidents pay less when compared with bad drivers.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for better insurance rates on Azure coverage.
  • Own a Home – Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • One Accident Forgiven – A few companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.
  • Student Driver Training – Have your child complete a driver education course in high school.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
  • Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiring. It can save you around 10%.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

Companies that may have some of the above discounts include:

Double check with each insurance company how you can save money. Discounts may not apply in your state.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • If I drive on a suspended license am I covered?
  • What is no-fault insurance?
  • Is my ex-spouse still covered by my policy?
  • When can I cancel my policy?
  • Am I covered if my car is in a flood?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Insurance policy specifics

Learning about specific coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for rehabilitation expenses, pain medications and nursing services. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability – This protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as medical services, court costs, emergency aid and loss of income. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Collision – This pays for damage to your Azure resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, driving through your garage door, scraping a guard rail, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Bentley Azure.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, theft and falling objects. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Be Smart and Buy Smart

The cheapest 2009 Bentley Azure insurance can be purchased both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

We just presented quite a bit of information on how to reduce insurance prices online. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from a smaller regional carrier. They may have significantly lower rates on certain market segments than their larger competitors like State Farm or Progressive.

Additional detailed information is located at these sites: