2016 Hyundai Azera Insurance Quotes – 7 Savings Tips

Are you irritated from being strong-armed to insure your Hyundai every month? You have the same problem as many other consumers.

Online insurance companies like Geico, 21st Century and Progressive promote their brand names with ads and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

It’s smart to take a look at other company’s rates as often as possible because prices go up and down regularly. Even if you got the best rate for Azera coverage six months ago you may be paying too much now. You’ll find a ton of advice on auto insurance on the web, but in this article, you’re going to get some solid techniques on how to reduce your auto insurance bill.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. Choosing the best insurance company for you is easy if you know what you’re doing. Although drivers can benefit from knowing how companies compete online and take advantage of how the system works.

Shop car insurance online

Most major insurance companies such as State Farm and Allstate allow you to get prices on the web. Comparing rates online is quite simple as you just type in the coverage amounts you desire as requested by the quote form. After the form is submitted, the system sends out for information on your driving record and credit history and returns a price based on the information you submitted. This helps simplify price comparisons, but having to visit several different sites and type in your information gets old quite quickly. Unfortunately, it is important to do this if you are searching for the lowest car insurance rates.

An easier way to get multiple rate quotes utilizes a single form to return rates from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes quoting online much easier to do. After your information is entered, it is quoted and you are able to buy any one of the quotes returned.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

To quickly find out if lower rates are available, click here to open in new window and submit the form. If you have your current policy handy, we recommend you input the limits and deductibles identical to your current policy. This makes sure you will have rate quotes for exact coverage.

Use discounts on auto insurance

Some providers don’t always publicize every possible discount very clearly, so the below list has both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

  • Discounts for New Vehicles – Buying a new car instead of a used car can be considerably cheaper compared to insuring an older model.
  • Theft Prevention Discount – Cars equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a insurance quote.
  • E-sign – Certain companies will give you a small discount for buying a policy and signing up online.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
  • Distant College Student Discount – Kids who are enrolled in higher education away from home and do not take a car to college may qualify for this discount.
  • Multi-policy Discount – If you can combine your home and auto policy and insure them with the same company you could earn a discount of 10% to 20% off each policy.
  • Own a Home and Save – Simply owning a home may earn you a small savings because owning a home requires a higher level of personal finance.

Consumers should know that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, you aren’t that lucky. But any discount should help reduce the cost of coverage.

The best auto insurance companies and a summarized list of policyholder discounts are outlined below.

  • Progressive offers discounts including good student, online quote discount, online signing, multi-vehicle, multi-policy, and continuous coverage.
  • SAFECO has savings for accident prevention training, multi-car, homeowner, drive less, teen safety rewards, and bundle discounts.
  • American Family policyholders can earn discounts including defensive driver, TimeAway discount, early bird, accident-free, good student, bundled insurance, and good driver.
  • MetLife discounts include defensive driver, good driver, accident-free, good student, and multi-policy.
  • Geico offers premium reductions for air bags, federal employee, good student, driver training, defensive driver, and daytime running lights.
  • The Hartford may include discounts for bundle, air bag, vehicle fuel type, driver training, anti-theft, defensive driver, and good student.

When getting free insurance quotes, it’s a good idea to every company which credits you are entitled to. Discounts might not be offered on policies in your area.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different so your insurance needs to address that. These are some specific questions can help discover if your insurance needs might need professional guidance.

  • Do I have coverage when making deliveries for my home business?
  • Do I need replacement cost coverage?
  • What is the rate difference between pleasure use and commuting?
  • What is the ISO rating for a 2016 Hyundai Azera?
  • Does insurance cover tools stolen from my truck?
  • Should I buy full coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Detailed coverages of your insurance policy

Having a good grasp of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Hyundai Azera.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses for rehabilitation expenses, doctor visits, funeral costs, prosthetic devices and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage will pay to fix damage to your Azera from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, backing into a parked car, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for liability

This protects you from damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as repair costs for stationary objects, legal defense fees, structural damage, loss of income and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage 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 claims such as hail damage, a broken windshield, falling objects, damage from flooding and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Compare but don’t skimp

In this article, we presented a lot of information how to shop for 2016 Hyundai Azera insurance online. The key thing to remember is the more rate quotes you have, the higher your chance of finding cheap insurance. Consumers may even find the best price on insurance coverage is with a small mutual company. They can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

When getting insurance quotes online, do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at the best price.

Additional detailed information can be read in these articles:

Comments About 2016 Hyundai Azera Insurance

  1. Hettie Pope

    Not sure if this is cheap. Live in Kansas City, Missouri. I got free quotes with Amica, Mercury, and Travelers for my Azera and saved around $370 a year. Was with USAA. I have a couple other vehicles on the policy.

  2. Ricarda Wynn

    I live just to the south of Kailua, Hawaii, and GEICO rates were best. Moved home policy as well.

  3. Terese Conway

    Anyone like their agent?

  4. Elbert Malone

    If you have a good history and live near San Diego, CA, check out Progressive. You might get cheaper rates. Insured with Amica before. Ask about discounts.

  5. Rodger Kaufman

    I got a good deal I think. Live in the southern part of Nashua, New Hampshire. Quoted quotes with GEICO, Liberty Mutual, and Esurance for my Hyundai and I think I am saving around $60 each month. Insured with AAA before. It never hurts to quote around.

  6. Saturnina Sellers

    Cheaper car insurance is a myth. Live in the northern part of Detroit, Michigan. I quoted with MetLife, Eastwood, Allstate, and American Family for my 2016 Hyundai Azera and cut my rates about $170 a year. Highly recommended.

  7. Keith Davidson

    Are State Farm or State Farm rates cheaper in Louisiana?

  8. Rhoda Orr

    Live in San Diego, California. Not sure of all the companies but I ended up saving about $40 each month. BTW speeding tickets are not good. Just waiting to see how claims go.

  9. Eric Bowers

    I compared a lot of rate quotes for a 2016 Hyundai Azera in Las Vegas, NV. Ended up at roughly $440 every six months with AAA. Left Western Auto Insurance to switch. Moved home policy as well. God forbid I actually have a claim.

  10. Wade Poole

    If you’re a decent driver and are close to Eugene, OR, check out State Farm. You might save some money.

  11. Carlos Mejia

    Great info, thanks for posting. From northwest of Salem, OR. Quoted a bunch of companies. Saved about $40 a month. State Farm was the best choice for me. Left USAA to switch. Have an at-fault accident tho.

  12. Melia Sandoval

    Went with Erie for my Hyundai and saved about $210 a year.

  13. Teodora Hooper

    Located in Provo, UT, and 21st Century rates were best.

  14. Deetta Soto

    Nice info. Quoted with Travelers for my Hyundai and am saving around $450 a year. I used their online quote form to compare rates.