2008 Bentley Azure Insurance Quotes

Have you had enough of sacrificing to insure your Bentley every month? Your situation is no different than many other drivers. Big-name insurance companies like State Farm, Allstate, Geico and Progressive persitently shower you with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.

It’s a good idea to shop coverage around yearly because prices trend upward over time. Even if you think you had the lowest price on Azure insurance six months ago you may be paying too much now. Block out anything you think you know about insurance because we’re going to demonstrate the quickest way to find great coverage at a great price.

The most recommended method to compare policy rates takes advantage of the fact most of the larger companies pay for the opportunity to give free rates quotes. To begin a comparison, all you need to do is take a few minutes to give details like how your vehicles are used, an estimate of your credit level, what you do for a living, and if the car is leased. Your information is submitted instantly to multiple companies and they return rate quotes almost instantly.

To start a rate quote now, click here then complete the form.

Beware of misleading car insurance ads

Consumers can’t get away from ads that promise big savings for switching by companies like 21st Century, Allstate and State Farm. They all seem to advertise the message about savings if you just switch your coverage to them.

How does each company cost less than your current company? Here is the trick they use.

All companies can use profiling for a prospective insured that earns them the most money. A good example of this type of insured could be over the age of 40, carries high limits, and has great credit. Any driver who matches those parameters may get the lowest premium rates and have a good chance to save if they switch.

Insureds who cannot meet this ideal profile will see higher rates which results in the customer buying from someone else. If you pay attention, the ads say “people who switch” not “all people who quote” can save as much as they claim. That’s why insurance companies can confidently make it sound like they have such great premium rates. This really illustrates why you need to quote coverage with many companies. It’s impossible to know which company will fit your personal profile best.

Lower your insurance premiums

Many factors are used when you get a price on insurance. Most are fairly basic such as your driving history, but other criteria are not quite as obvious such as whether you are married or how financially stable you are.

• Don’t let your coverage lapse – Driving with no insurance can get your license suspended and car insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, not being able to provide proof of insurance may result in a license revocation or jail time. You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Is your vehicle theft-ready? – Purchasing a vehicle with an alarm system can earn a premium discount. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
• Traffic violations will cost you – Having just one chargable violation can bump up the cost by twenty percent. Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Drivers unfortunate enough to have license-revoking violations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to drive a vehicle legally.
• City dwellers may pay more – Choosing to live in small towns and rural areas can save you money when it comes to car insurance. Fewer people means reduced accidents as well as less vandalism and auto theft. Urban drivers tend to have congested traffic and much longer commute distances. Higher commute times can result in more accidents.
• Credit rating impacts premium prices – A driver’s credit score can be an important factor in your rate calculation. Insureds with high credit scores tend to be better drivers and file fewer claims than drivers with poor credit scores. So if your credit is low, you may save money insuring your 2008 Bentley Azure by taking the time to improve your credit score.
• Multiple policies with one company – Some insurance companies allow lower prices for people that buy multiple policies, otherwise known as a multi-policy discount. Even with this discount applied, it’s still a good idea to get quotes from other companies to ensure the best deal.There is a chance you can save money even if you insure with multiple companies
• File a insurance claims and pay more – Companies give lower rates to people that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is designed for the large, substantial claims.
• Liability coverage is critical – Your car insurance policy’s liability coverage is the protection in the event that you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.

Take policy discounts and save

Car insurance can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Certain credits will be shown at the time of purchase, but a few need to be inquired about prior to getting the savings.

• Professional Memberships – Being a member of a civic or occupational organization is a good way to get lower rates on insurance.
• Responsible Drivers – Insureds without accidents can pay as much as 50% less on Azure insurance than less cautious drivers.
• Discount for Multiple Policies – When you have multiple policies and place coverage with the same company you could save as much as 10 to 15 percent.
• Early Signing – A few insurance companies give discounts for renewing your policy prior to your current policy expiring. Ten percent is about the average savings.
• Driver Training Discounts – Passing a course that instructs on driving safety could save 5% or more and easily pay for the cost of the class.
• Telematics Data – People who choose to allow data collection to spy on where and when they drive by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they show good driving skills.
• Save with More Vehicles Insured – Having all your vehicles on one policy can get a discount for every vehicle.
• First Accident Forgiveness – Not a discount per se, but some insurance companies allow you one accident before raising your premiums if you have no claims before the accident.

Consumers should know that some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky. But all discounts will definitely lower your policy cost.

A few of the larger companies and the discounts they provide are shown below.

• State Farm may include discounts for multiple autos, Steer Clear safe driver discount, student away at school, accident-free, good driver, and driver’s education.
• Nationwide includes discounts for defensive driving, multi-policy, business or organization, anti-theft, and Farm Bureau membership.
• Geico policyholders can earn discounts including anti-theft, driver training, air bags, daytime running lights, and anti-lock brakes.
• AAA offers discounts including multi-car, good student, AAA membership discount, good driver, and anti-theft.
• 21st Century has discounts for defensive driver, driver training, 55 and older, homeowners, theft prevention, student driver, and early bird.
• The Hartford may have discounts that include air bag, vehicle fuel type, anti-theft, defensive driver, driver training, bundle, and good student.

If you need lower rates, check with all companies you are considering to give you their best rates. Some discounts might not be offered in your area.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help highlight whether or not you could use an agent’s help.

• Do I need to file an SR-22 for a DUI in my state?
• Am I covered if I break a side mirror?
• When should I drop full coverage on my 2008 Bentley Azure?
• Why do I need rental car insurance?
• Is a new car covered when I drive it off the dealer lot?
• Is upholstery damage covered by car insurance?
• Where can I get insurance after a DUI in my state?
• How much liability coverage do I need in my state?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hail damage, falling objects and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Bentley Azure.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, EMT expenses and ambulance fees. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

This will cover damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like attorney fees, loss of income, emergency aid, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for collisions

This coverage covers damage to your Azure caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, 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 save money on collision insurance.

Have money to burn

Discount 2008 Bentley Azure insurance is available online as well as from independent agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not offer the ability to get quotes online and most of the time these smaller companies only sell coverage through independent agents.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

Helpful information

• Get the Right Protection (InsureUonline.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• State Car Insurance Guides (Geico)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)