If you are new to getting car insurance quotes online, it’s easy to get bewildered by the vast number of online auto insurance companies and websites competing for your business.
Buying car insurance is not that difficult. Just about every driver who is required by state law to have auto insurance will most likely be able to save money. Although car owners need to have an understanding of how insurance companies sell online and use this information to your advantage.
Some insurers do not advertise all disounts very clearly, so the following is a list of some of the best known and the more hidden credits that you can use to lower your rates.
While discounts sound great, it’s important to understand that most discount credits are not given the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
Companies that may offer many of the previously listed discounts are:
Before you buy a policy, ask every company which discounts you qualify for. Some discounts listed above may not apply in your area. To view insurers offering insurance coverage discounts, follow this link.
Comparing auto insurance rates can be a daunting task if you don’t understand the most efficient way. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can utilize the web to achieve your goal.
Many companies participate in a marketplace where prospective buyers enter their coverage request one time, and every company then gives them pricing. This saves time by eliminating repetitive form submissions for every auto insurance company.
To participate in this free quote system, click here (opens in new window).
One minor caviat to pricing coverage this way is that consumers can’t choose the insurers you want to price. If you prefer to choose specific providers to request quotes from, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.
The method you choose is up to you, but make sure you are using equivalent coverage limits and deductibles with each company. If your comparisons have differing limits it will be very difficult to make a fair comparison for your Bentley Azure. Even a minor difference in limits may result in large price differences. And when comparing auto insurance rates, know that making a lot of price comparisons will improve the odds of getting more affordable insurance.
When it comes to buying coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine whether or not you could use an agent’s help.
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.
Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Uninsured/Underinsured Motorist coverage
This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Comprehensive coverage
This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as a broken windshield, damage from getting keyed, hail damage, fire damage and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision insurance
Collision coverage pays for damage to your Azure resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things like colliding with a tree, sustaining damage from a pot hole, driving through your garage door, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.
Auto liability
Liability insurance will cover injuries or damage you cause to a person or their property. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.
Liability insurance covers claims like medical expenses, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying as large an amount as possible.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like ambulance fees, EMT expenses, surgery and pain medications. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
The cheapest 2007 Bentley Azure insurance is available on the web in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not offer rate quotes online and these small, regional companies prefer to sell through independent agents.
Drivers change insurance companies for any number of reasons including delays in responding to claim requests, denial of a claim, being labeled a high risk driver and even questionable increases in premium. It doesn’t matter what your reason, choosing a new company is less work than it seems.
Throughout this article, we presented a lot of tips how to reduce 2007 Bentley Azure insurance prices online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheap car insurance. You may even discover the best prices are with the smaller companies.
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