Having to pay for overpriced insurance coverage can dwindle your bank account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to tighten up your finances.
Since consumers have many insurance companies to choose from, it can be hard to find the most affordable insurer.
Auto insurance companies don’t always list every available discount very clearly, so here is a list some of the best known and also the lesser-known discounts you could be receiving.
Keep in mind that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, you’re out of luck.
To see a list of insurers with discount auto insurance rates, follow this link.
There are several ways of comparing rates and find the best price. The easiest way by far to find competitive 2002 Bentley Azure insurance rates is simply to get online rate quotes. This can be done in several different ways.
One of the best ways to get quotes is to use a rate comparison form (click to open form in new window). This form keeps you from doing separate forms for each company. Taking the time to complete one form will get you rate comparisons from multiple low-cost companies.
A harder way to obtain and compare quotes online is to manually visit each company website to complete their respective quote request forms. For example, we’ll pretend you want to compare Liberty Mutual, State Farm and American Family. You would have to visit each site to enter your coverage information, which is why the first method is quicker.
For a list of links to insurance companies in your area, click here.
The hardest way of getting rate comparisons is to spend time driving to and from local insurance agencies. Shopping for car insurance online has reduced the need for local agents unless you have a need for the trained guidance of a local agent. It is possible to obtain prices from the web and get advice from an agent in your area and we’ll touch on that later.
It’s your choice how you get your quotes, but compare identical coverage limits and deductibles on every quote you get. If your comparisons have differing limits it will be very difficult to determine the lowest rate for your Bentley Azure. Quoting even small variations in coverage limits can make a big difference in price. And when price shopping your coverage, comparing more company’s prices helps you find the best price.
When buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you would benefit from an agent’s advice.
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier
Knowing the specifics of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.
Liability auto insurance – Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.
Liability coverage protects against things such as repair bills for other people’s vehicles, legal defense fees and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Bentley Azure.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Collision coverages – This coverage pays for damage to your Azure from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as colliding with a tree, driving through your garage door, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.
Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as hail damage, rock chips in glass and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for expenses for things like prosthetic devices, chiropractic care and doctor visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible
We covered some good ideas how you can save on 2002 Bentley Azure insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower rates than their larger competitors like Progressive or GEICO.
Cost effective insurance is attainable on the web in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.