How Much Does 2003 Bentley Azure Insurance Cost?

Finding lower premiums on car insurance can be challenging for consumers not familiar with comparing rates online. There are so many choices that it can quickly become a lot of work to find the best price.

Car Insurance Prices

There are a variety of methods you can shop for 2003 Bentley Azure car insurance and some are more efficient than others. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you can utilize the web to achieve your goal.

All the larger companies belong to an insurance system that enables customers to enter their policy data once, and each participating company can provide price quotes determined by their information. This prevents consumers from doing quote forms for each company you want a rate for.

To use this form to compare 2003 Bentley Azure insurance rates click here to open in new window.

The one downside to comparing rates this way is you don’t know exactly which carriers you want to price. So if you prefer to choose from a list of companies to compare prices, we have a page of companies who write car insurance in your area. View list of insurance companies.

However you get your quotes, double check that you are using the exact same deductibles and coverage limits for every company. If you use different liability limits then you won’t be able to truly determine the lowest rate. Slightly different limits can make a big difference in price. Just keep in mind that getting more free quotes will improve the odds of getting better pricing.

Discounts can save BIG

Companies offering auto insurance don’t always advertise all available discounts in a way that’s easy to find, so here is a list some of the best known and also the lesser-known savings tricks you should be using.

  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Memberships – Being a member of certain professional organizations may earn a discount when shopping for auto insurance on Azure insurance.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Senior Discount – Mature drivers may qualify for reduced rates on Azure insurance.
  • Low Mileage Discounts – Keeping the miles down on your Bentley could qualify for discounted rates on garaged vehicles.
  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. So when it seems like you could get a free auto insurance policy, companies don’t profit that way.

For a list of insurers with the best auto insurance discounts, click here to view.

Will just any policy work for me?

When choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can aid in determining if you may require specific advice.

  • How much liability coverage do I need in my state?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my policy pay for OEM or aftermarket parts?
  • If my pet gets injured in an accident are they covered?
  • Should I buy only the required minimum liability coverage?
  • What is roadside assistance coverage?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Pieces of the Bentley Azure insurance rate puzzle

Smart consumers have a good feel for the factors that go into determining auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that can help you get big savings.

Listed below are a few of the “ingredients” used by your company to calculate your rates.

  • Lower deductibles cost more – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Bentley from damage. A few examples of covered claims would be collision with another vehicle, damage from fire, and burglary. The deductibles are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. The more expense you have to pay, the lower your rates will be on Azure insurance.
  • Rates may be higher depending on your occupation – Did you know your occupation can influence how much you pay for auto insurance? Occupations such as real estate brokers, executives and accountants tend to have higher rates than average due to job stress and lots of time spent at work. On the flip side, occupations such as scientists, athletes and homemakers receive lower rates on Azure insurance.
  • Pleasure use saves money – The higher the mileage driven each year the higher your rates will be. Most insurance companies rate vehicles based on how the vehicle is used. Vehicles left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. An improperly rated Azure can result in significantly higher rates. Make sure your auto insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
  • Poor driving leads to higher costs – A bad driving record has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Only having one moving violation can boost insurance rates forty percent or more. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Little extras can really add up – There are quite a few extra coverages that can waste your money if you aren’t careful. Coverages like roadside assistance, accident forgiveness and term life insurance may be wasting your money. These may sound like a good investment when talking to your agent, but if they’re wasting money get rid of them and save.
  • Are you male or female? – The statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. Women and men are in accidents at about the same rate, but men have costlier accidents. Men also have more aggressive citations like reckless driving and DUI. Young males are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Safer cars cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles reduce injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Bentley has ratings of a minimum four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • No coverage gaps is important – Having an insurance coverage lapse will be a guaranteed way to trigger a rate increase. Not only will rates go up, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.

Specifics of your auto insurance policy

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as hospital visits, X-ray expenses and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision – Collision insurance will pay to fix damage to your Azure resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability insurance – Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as medical expenses, emergency aid and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, rock chips in glass and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

What is YOUR best insurance company?

The cheapest 2003 Bentley Azure insurance is available from both online companies in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

Insureds leave their current company for a variety of reasons including policy non-renewal, delays in responding to claim requests, policy cancellation or even high rates after DUI convictions. It doesn’t matter what your reason, choosing a new company is not as hard as you think.

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where an insured cut physical damage coverage to discover at claim time that the savings was not a smart move. Your goal should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

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