2013 Hyundai Azera Insurance Quotes – 9 Ways to Save

Trying to find cheaper insurance coverage rates for your Hyundai Azera? I can’t think of a single person who likes buying insurance coverage, especially when they could lower their rates if they shopped around.

With consumers having so many choices, it can be hard to pick a more affordable insurance company.

It’s important to price shop coverage at least once a year because rates are constantly changing. Despite the fact that you may have had the best deal for Azera coverage two years ago there is a good chance you can find better prices now. Forget all the misinformation about insurance coverage because we’re going to show you the tricks you need to know to properly buy coverages and cut your premium.

Choosing the best insurance company for you is easy if you know what you’re doing. Just about every driver who has to buy auto insurance should be able to reduce their rates. Nevertheless, vehicle owners must know the way companies sell online because it can help you find the best coverage.

Nine discounts to earn cheap car insurance rates

Not too many consumers would say car insurance is affordable, but you might be missing out on some discounts that can help lower your rates. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be asked about prior to getting the savings.

  • Driver’s Education for Students – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Discounts for Responsible Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Azera coverage than less cautious drivers.
  • Save with More Vehicles Insured – Insuring multiple cars or trucks on the same car insurance policy could earn a price break for each car.
  • Professional Organizations – Having an affiliation with a professional or civic organization may earn a discount when shopping for car insurance.
  • Good Student – Performing well in school can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
  • No Claim Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on insurance quote as opposed to frequent claim filers.
  • College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Senior Citizen Discount – Mature drivers can possibly qualify for a slight reduction on a insurance quote for Azera coverage.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.

Drivers should understand that most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. Despite the appearance that all those discounts means the company will pay you, companies wouldn’t make money that way.

A list of car insurance companies and the discounts they provide can be found below.

  • The Hartford includes discounts for anti-theft, bundle, defensive driver, air bag, driver training, and vehicle fuel type.
  • American Family offers discounts for mySafetyValet, early bird, good student, good driver, and bundled insurance.
  • Progressive offers premium reductions for homeowner, online quote discount, good student, online signing, multi-policy, and continuous coverage.
  • Travelers has savings for payment discounts, multi-car, save driver, continuous insurance, good student, hybrid/electric vehicle, and multi-policy.
  • Farmers Insurance policyholders can earn discounts including teen driver, youthful driver, multi-car, homeowner, good student, and alternative fuel.
  • USAA discounts include good student, annual mileage, defensive driver, safe driver, military installation, loyalty savings, and driver training.
  • Liberty Mutual has discounts for safety features, good student, new move discount, multi-car, and preferred payment discount.

Before buying, ask each insurance company to give you their best rates. A few discounts may not apply to policies in your state. If you would like to choose from a list of insurers that provide some of the discounts listed above, click here.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there really is not a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.

  • Is business equipment covered while in my vehicle?
  • Am I covered if I break a side mirror?
  • How much liability insurance is required?
  • Am I getting all the discounts available?
  • At what point should I drop full coverage?
  • What are the financial responsibility laws in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Educate yourself about auto insurance coverages

Having a good grasp of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types offered by auto insurance companies.

Liability insurance – Liability coverage protects you from damages or injuries you inflict on other people or property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like pain and suffering, legal defense fees, structural damage and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive auto insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, damage from getting keyed and hitting a bird. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like EMT expenses, doctor visits, pain medications, prosthetic devices and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – This covers damage to your Azera from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, rolling your car, hitting a parking meter, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

A tidy conclusion

Discount 2013 Hyundai Azera insurance is definitely available both online as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not have online rate quotes and usually these regional insurance providers only sell through local independent agents.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. There have been many situations where an insured dropped uninsured motorist or liability limits only to find out that they should have had better coverage. The aim is to buy a smart amount of coverage at the best price.

More detailed car insurance information is available at these sites:

Comments About 2013 Hyundai Azera Insurance

  1. Ranee Blackburn

    Cheaper not always better. I live on the east side of Charlotte, NC. Quoted quotes with State Farm, AIG Insurance, and Erie for my 2013 Hyundai Azera and saved just over $130 a year. I have a teen driver too.

  2. Betty Boyle

    I got decent rates for a 2013 Hyundai Azera in Fort Smith, Arkansas. Ended up at darn near $150 every six months with AAA.

  3. Rosella Waller

    Quoted with Safeco for my 2013 Hyundai Azera and saved around $140 a year. Insured with Safeco before. Good savings if you bundle.

  4. Wesley Lindsey

    I found affordable 2013 Hyundai Azera insurance from 21st Century in Paterson, New Jersey.

  5. Luigi Velasquez

    Will Progressive give a discount for driver training?

  6. Sidney Spears

    Anyone know if Allstate does SR-22s?

  7. Brigitte Pickett

    For me, GEICO was by far the cheapest in Lincoln, NE.

  8. Emmaline Hess

    Compared rates with GEICO and AAA but still pricey.

  9. Agnus Kirby

    I went with GEICO at renewal. Best rates in Columbus, OH. You can get a rate quote online.

  10. Jenette Simpson

    Proud to be from Minneapolis, Minnesota. Got car insurance quotes with Progressive, American Family, and some I forget for my Hyundai and I’m now saving $31 a month. Even increased coverage a bit.

  11. Beata Hammond

    I’m just south of Grand Forks, ND. Got car insurance quotes with Amica, MetLife, and some smaller one I can’t remember the name of for my 2013 Hyundai Azera and I’m now saving $33 a month. Hopefully won’t need it. Not sure if rates are cheaper online or through an agent.

  12. Saul King

    Checking in from Rochester, MN. Quoted prices online for a 2013 Hyundai Azera. Ended up at about $120 savings annually. Went with 21st Century. Left Farmers to switch. Good multi-policy discounts. I recommend comparing lots of rates.