Lower Your 2008 Bentley Azure Insurance Rates

Are you at wits end from being strong-armed to pay high insurance coverage rates every month? You’re in the same situation as millions of other consumers.

Because there are so many online and local companies to choose from, it can be diffult for drivers to pick a more affordable insurance company.

You should make it a habit to quote other rates quite often because insurance rates change quite often. Even if you got the lowest rate for Azure coverage six months ago you can probably find a better price now. Ignore everything you know about insurance coverage because it’s time to teach you the best methods to find lower rates on insurance coverage.

Finding affordable coverage is not rocket science. In a nutshell, every driver who is shopping for car insurance will be able to find better rates. But consumers need to have an understanding of the way companies sell online and use this information to your advantage.

The cheapest insurance quotes

Performing a rate comparison can be a daunting task if you don’t know the most efficient way. You can waste a lot of time driving to insurance companies in your area, or you could use the web to quickly compare rates.

Most of the best insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each participating company returns a competitive quote based on that data. This saves time by eliminating repetitive form submissions to each individual insurance company. To find out how much you’re overpaying now click here to open in new window.

The one downside to comparing rates this way is you are unable to specify the providers you will receive quotes from. If you wish to select specific insurance companies to compare, we have a listing of insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but be certain you are entering the exact same quote information with each company. If you compare unequal deductibles or liability limits it’s impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages could mean much higher rates. Just remember that more quotes helps locate a better price. Some insurance companies are not set up to provide online price quotes, so it’s important to also get quotes on coverage from those companies, too.

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Don’t overlook these insurance coverage discounts

Insurance coverage is not inexpensive, but you can get discounts to reduce the price significantly. Many of these discounts will be applied automatically when you complete an application, but lesser-known reductions have to be requested specifically prior to getting the savings.

• Distant College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
• Club Memberships – Affiliation with qualifying clubs or civic groups could trigger savings when shopping for insurance coverage.
• Safe Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for Azure coverage than drivers with accident claims.
• Passive Restraint Discount – Options like air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
• ABS Braking Discount – Cars with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
• Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you may earn over 10 percent off each policy depending on the company.

It’s important to understand that some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, nobody gets a free ride.

Larger insurance coverage companies and their possible discounts can be found below.

• State Farm offers discounts for anti-theft, defensive driving training, Steer Clear safe driver discount, student away at school, accident-free, and good driver.
• Progressive may have discounts that include online quote discount, multi-policy, online signing, continuous coverage, and homeowner.
• Progressive has savings for multi-vehicle, online quote discount, good student, multi-policy, and continuous coverage.
• MetLife may include discounts for good student, defensive driver, multi-policy, claim-free, good driver, and accident-free.
• Farm Bureau offers premium reductions for good student, youthful driver, multi-vehicle, driver training, multi-policy, and renewal discount.
• Geico offers discounts including multi-vehicle, anti-theft, military active duty, emergency military deployment, good student, and air bags.
• SAFECO includes discounts for bundle discounts, drive less, safe driver, homeowner, anti-lock brakes, and multi-car.

When getting a coverage quote, ask every insurance company which discounts can lower your rates. Depending on the company, some discounts may not be available in your area.

When to get professional advice

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might point out if you could use an agent’s help.

• Am I covered by my spouse’s policy after a separation?
• Where can I find high-risk insurance?
• Am I insured when driving a different vehicle?
• Do I have coverage when pulling a U-Haul trailer?
• What if I owe more than I can insure my car for?
• Why does it cost so much to insure a teen driver?
• What can I do if my company denied a claim?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Parts of your insurance policy

Knowing the specifics of insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most insurance policies.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, a tree branch falling on your vehicle, damage from a tornado or hurricane, hail damage and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

This will pay to fix damage to your Azure resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a ditch, rolling your car, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability

Liability coverage provides protection from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like repair bills for other people’s vehicles, loss of income, legal defense fees and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses such as X-ray expenses, doctor visits, chiropractic care and hospital visits. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and will also cover 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

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Save for a rainy day

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

We just showed you many ways to save on 2008 Bentley Azure insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance coverage comes from a small local company. They may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

Discount 2008 Bentley Azure insurance is attainable online in addition to many insurance agents, so you need to quote insurance with both to have the best selection. Some insurance providers may not provide online quoting and most of the time these small insurance companies only sell coverage through local independent agencies.

Even more information can be found in the articles below:

• Coverage Information (Progressive Insurance)
• Distracted Driving Extends Beyond Texting (State Farm)
• Senior Drivers (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)

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