2003 Bentley Azure Car Insurance Rates – 10 Tricks for Cheaper Quotes

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you there are many people just like you.

Online insurance companies like Allstate, Progressive and Geico increase brand awareness with catchy ads and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

Comparison of Car Insurance

The are a couple different ways to compare rate quotes from different insurance companies. The best way to find competitive 2003 Bentley Azure insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.

  1. The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This form eliminates the need for separate quotes for every car insurance company. One simple form compares rates from several companies.
  2. Another way to compare prices consists of visiting the website for every company you want to comare and request a quote. For instance, we’ll pretend you want rates from Geico, Esurance and American Family. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but make absolute certain that you use the exact same coverage limits and deductibles for every quote you compare. If the quotes have higher or lower deductibles then you won’t be able to make an equal comparison. Having just a slight variation in coverage limits can result in a big premium difference. And when comparing car insurance rates, know that more quotes provides better odds of finding a lower rate.

Discounts mean cheaper Bentley Azure insurance rates

Insurance can be prohibitively expensive, but there are discounts available to cut the cost considerably. Some discounts apply automatically at the time of quoting, but less common discounts must be specially asked for before they will apply.

  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Azure insurance with certain companies.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you will save at least 10% off all policies.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Own a Home – Owning a house can save you money because maintaining a house shows financial diligence.
  • Low Mileage Discounts – Keeping the miles down on your Bentley can qualify you for a substantially lower rate.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Defensive Driving Course – Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.

It’s important to note that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount will cut your overall premium however.

A partial list of companies that possibly offer some of the above discounts are:

Double check with each insurance company which discounts they offer. All car insurance discounts might not be offered everywhere.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you could use an agent’s help.

  • Who is covered when they drive my 2003 Bentley Azure?
  • Exactly who is provided coverage by my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered when driving someone else’s vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • Is my trailer covered?
  • I don’t drive much so do I pay less?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverage specifics

Learning about specific coverages of a insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Liability coverages

This provides protection from damage or injury you incur to other people or property. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like medical expenses, loss of income, repair bills for other people’s vehicles, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, theft, hitting a bird and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for dental work, X-ray expenses and surgery. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Auto collision coverage

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

Collision coverage protects against claims like sideswiping another vehicle, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

The best insurance company isn’t always the cheapest

While you’re price shopping online, do not buy less coverage just to save a little money. There are a lot of situations where someone dropped collision coverage to discover at claim time they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Affordable 2003 Bentley Azure insurance is definitely available on the web in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

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