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2003 Bentley Azure Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 10, 2020

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Looking for lower insurance rates for your Bentley Azure? Did you fall for a flashy sales pitch and buy overpriced insurance? Believe me when I say there are many people just like you. Many insurers vie for your insurance dollar, and because of this it can be hard to compare car insurance companies to get the lowest cost out there.

Auto Insurance Comparisons

There are a variety of methods to compare 2003 Bentley Azure auto insurance prices and some are less time-consuming than others. You can waste hours talking about coverages with insurance companies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Many of the larger companies enroll in a system that allows shoppers to submit their information once, and each participating company then returns a price quote for coverage. This prevents consumers from doing quotation requests to each company.

To get comparison pricing now click to open in new window.

The single downside to using this type of system is you can’t choose which insurance companies to receive prices from. If you wish to select from a list of companies to request quotes from, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make absolute certain that you use apples-to-apples quote information with every price quote. If your comparisons have different deductibles it’s impossible to make a fair comparison for your Bentley Azure.

Discounts are basically free money

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Some trigger automatically when you quote, but a few must be specifically requested in order for you to get them. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • No Claims – Claim-free drivers pay much less as compared to accident-prone drivers.
  • One Accident Forgiven – A few companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Auto/Life Discount – Some companies give a break if you buy life insurance from them.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Paperless Signup – A few companies give back up to $50 for buying your policy on their website.
  • Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break when shopping for insurance for Azure insurance.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Azure insurance than their less cautious counterparts.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.

It’s important to note that some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, you’re out of luck. But any discount will bring down the cost of coverage.

For a list of insurers offering insurance discounts, click here to view.

Which insurance is the “right” coverage?

When buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique and your policy should reflect that. For example, these questions may help you determine whether you may require specific advice.

  • How do I insure my teen driver?
  • What if I total my 2003 Bentley Azure and owe more than it’s worth?
  • When would I need rental car insurance?
  • How much liability do I need to cover my assets?
  • Am I covered by my spouse’s policy after a separation?
  • Am I missing any policy discounts?
  • When can my company non-renew my policy?
  • Is motorclub coverage worth it?
  • Can I still get insurance after a DUI?
  • Is extra glass coverage worth it?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Parts of the Bentley Azure rate equation

It’s important that you understand the factors that help determine the rates you pay for insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

The following are some of the items used by your company to calculate prices.

  • Traffic citations inflate rates – Good drivers have lower premiums than bad drivers. Even one citation can increase rates twenty percent or more. Drivers who get serious violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Big city or small town – Being located in a rural area is a positive aspect when talking about insurance. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities have more traffic problems and a longer drive to work. More time commuting translates into higher accident risk.
  • Do you know your deductibles? – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more you have to pay, the bigger discount you will receive for Azure insurance.
  • A lapse in coverage is a bad thing – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time.
  • Men pay higher rates – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. They both tend to get into accidents at a similar rate, but men cause more damage. Men also get cited for more serious violations such as reckless driving. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Pay less after the wedding – Having a wife or husband can actually save you money on your policy. Having a significant other is viewed as being more mature and it’s statistically proven that drivers who are married are more cautious.

Educate yourself about insurance coverages

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, rock chips in glass and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability – Liability insurance will cover injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as repair costs for stationary objects, attorney fees, structural damage, pain and suffering and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, hitting a mailbox, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like doctor visits, prosthetic devices and ambulance fees. 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 as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

At the end of the day…

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut collision coverage only to find out that the small savings ended up costing them much more. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Budget-conscious 2003 Bentley Azure insurance is available both online as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and these smaller companies work with independent agents.

You just learned many ways to reduce insurance prices online. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from an unexpected company. Regional companies may only write in your state and offer lower rates than their larger competitors like Allstate or State Farm.

To read more, feel free to visit the resources below:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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