Cheaper 2017 Hyundai Azera Insurance Cost

Looking for the cheapest insurance rates for your Hyundai Azera? Finding the cheapest insurance for a Hyundai Azera can be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to find insurance online and we’ll show you the proper way to price shop coverage for a Hyundai and obtain the best price possible.

Discounts for affordable insurance coverage rates

Insurance coverage is easily one of your largest bills, but there may be some discounts that many consumers don’t even know exist. Many discounts should be triggered at quote time, but once in a while a discount must be specifically requested before you get the savings.

  • College Student – Older children living away from home attending college and won’t have access to an insured vehicle could get you a discount.
  • Mature Driver Discount – If you’re over the age of 55, you are able to get a discount up to 10% on Azera coverage.
  • Paper-free Discount – A few insurance companies give back up to $50 for signing up on the web.
  • Federal Employees – Federal government employees can earn a discount up to 10% on Azera coverage with select insurance companies.
  • No Charge for an Accident – but a handful of insurance companies will let one accident slide before raising your premiums so long as you are claim-free for a particular time prior to the accident.

As is typical with insurance, some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you could get a free insurance coverage policy, it’s just not the way it works.

Larger insurance coverage companies and some of the discounts can be found below.

  • GEICO has savings for membership and employees, multi-vehicle, seat belt use, anti-theft, air bags, emergency military deployment, and federal employee.
  • SAFECO offers premium reductions for drive less, anti-lock brakes, homeowner, bundle discounts, accident prevention training, anti-theft, and multi-car.
  • State Farm offers discounts including Steer Clear safe driver discount, safe vehicle, good driver, defensive driving training, and good student.
  • MetLife may include discounts for multi-policy, accident-free, defensive driver, claim-free, good student, and good driver.
  • 21st Century may offer discounts for 55 and older, defensive driver, anti-lock brakes, student driver, and air bags.
  • Progressive has discounts for homeowner, multi-policy, good student, online quote discount, multi-vehicle, and online signing.

When comparing rates, check with all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders everywhere. If you would like to view providers who offer free insurance coverage quotes, follow this link.

How to buy car insurance

Finding a better price on car insurance is actually easier than you may think. All you need to do is take time getting comparison quotes from online providers. This is very easy and can be done by following the guidelines below.

  • The most efficient method to find the lowest comparison rates is a comparison rater form click here to open form in new window. This form keeps you from doing multiple quote forms for every car insurance company. Taking the time to complete one form gets you coverage quotes from multiple low-cost companies.It’s the quickest way to get rates.
  • Another way to analyze rates consists of going to the website of each company and go through the quote process again. For examples sake, we’ll pretend you want rates from Farmers, Allstate and Travelers. To get each rate you have to spend time on each company’s site and repeatedly type in your coverage information, which can get old fast. For a list of links to insurance companies in your area, click here.
  • Even if you have time, the least recommended method to compare price estimates is to waste gas driving to insurance agents’ offices. The ability to get quotes online eliminates this option unless you require the extra assistance that only an agent can give. It is possible with some companies price shop online but buy from a local insurance agent.

Whichever way you choose to compare rates, make darn sure you compare exactly the same coverage information with each company. If you have mixed coverages it will be impossible to get a fair rate comparison.

Cut insurance costs with these tips

Many things are used when you get your auto insurance bill. Some are obvious such as your driving history, although others are not quite as obvious such as whether you are married and annual miles driven.

The items below are a partial list of the pieces insurance coverage companies consider when setting your rates.

  • Pay lower prices if you’re married – Having a wife or husband can get you a discount compared to being single. Having a spouse demonstrates that you tend to be more mature and responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
  • Save by staying claim free – If you file claims often, you can pretty much guarantee much higher rates or policy non-renewal. Insurance companies give lower rates to policyholders that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
  • Cheaper rates using GPS tracking and theft deterrents – Purchasing a vehicle with advanced anti-theft systems can get you a discount on your insurance coverage. Systems that thwart theives like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.
  • What are your coverage deductibles? – Physical damage protection, also called ‘full coverage’, covers damage that occurs to your Hyundai. A few examples of covered claims are colliding with a building, collision with an animal, and having your car stolen. Physical damage deductibles define the amount you are required to spend before your insurance coverage pays a claim. The more expense you have to pay, the lower your rates will be on Azera coverage.
  • Gender and car insurance rates – Statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that men are worse drivers. Men and women are in auto accidents at about the same rate, but men cause more damage. Men also statistically get ticketed for serious violations like DWI (DUI) or reckless driving.
  • Don’t skimp on liability insurance – Liability insurance provides coverage when you are found liable for damages from an accident. It will provide legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.

You may need specialized auto insurance coverage

When choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For example, these questions might point out if you would benefit from an agent’s advice.

  • How do I file an SR-22 for a DUI in my state?
  • Should I carry comprehensive and collision coverage?
  • Is my Hyundai Azera covered if I use it for business?
  • What are the best liability limits?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does coverage extend to a rental car in a foreign country?
  • Does my insurance cover my expensive audio equipment?
  • Is my state a no-fault state?
  • How much liability insurance is required?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

But they said I’d save $390 a year!

Consumers get pounded daily by advertisements that promise big savings for switching by GEICO, State Farm and Progressive. They all seem to make the point that you can save if you get a free auto insurance quote and switch your policy.

How do they all make almost identical claims? It’s all in the numbers.

Auto insurance companies look for specific characteristics for the type of driver that makes them money. One example of a preferred risk should be between the ages of 30 and 50, carries high limits, and has great credit. A driver who fits that profile receive the lowest rate quotes and as a result will probably save when switching.

Potential insureds who don’t meet these criteria will be charged a higher rate and the customer buying from someone else. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently make the claims of big savings.

This really drives home the point why you really need to get price quotes at each policy renewal. It is impossible to predict the company that will have the lowest premium rates for your situation.

Specifics of your insurance policy

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Hyundai Azera.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Auto liability insurance

This can cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical expenses, court costs and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, chiropractic care, hospital visits and dental work. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision insurance

Collision coverage covers damage to your Azera resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, rolling your car, sustaining damage from a pot hole, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, hitting a deer, fire damage and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Have the Midas touch

People leave their current company for many reasons like not issuing a premium refund, policy non-renewal, high prices and extreme rates for teen drivers. Regardless of your reason, choosing a new company can be easier than you think.

You just learned many ideas to lower your 2017 Hyundai Azera insurance premium rates. It’s most important to understand that the more companies you get prices for, the better your chances of lowering your prices. You may even discover the lowest premium rates come from a lesser-known regional company.

When buying insurance coverage, never skimp on critical coverages to save a buck or two. There have been many situations where an insured cut collision coverage and learned later they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate.

Additional information is available on the following sites:

Comments About 2017 Hyundai Azera Insurance

  1. Mohamed Knowles

    Cheap car insurance? What’s that? Checking in from New Orleans, LA. Received rates from Hanover, AAA, Mercury, and a couple others for my 2017 Hyundai Azera and saved $187 a year. Insured with Esurance before.

  2. Stanford Rios

    Live in the southern part of Concord, NH and for me Allstate had the lowest quote. I used their website to get prices.

  3. Shila Bentley

    I’m looking for cheaper coverage. Live in Tampa, FL. Not sure of all the companies but I ended up saving about $70 each month.

  4. Clarita Bridges

    From north side of Wichita, Kansas. Got car insurance quotes from Amica, Nationwide, and Western Auto Insurance for my Azera and saved $443 a year. Left AIG Insurance to switch. I’m a pretty good driver though.

  5. Bonnie Webster

    Is a custom audio system covered by insurance?

  6. Ezra Kinney

    Will GEICO raise rates if I file a claim?

  7. Alishia Bryan

    Lots of useful info here. From northwest of Gaithersburg, Maryland. Can’t remember who all I quoted but I ended up saving about $40 each month. Left The General to switch. Ask about discounts.

  8. Lexie Zimmerman

    If you have a good history and live near Boston, MA, check out GEICO. I saved quite a bit. Moved home policy as well. LOL

  9. Lorenza Zamora

    My Hyundai is faster than yours.

  10. Dirk Jacobson

    Just a quick comment on my experience. Proud to be from Davenport, IA. Quoted with AIG Insurance, MetLife, and a few others for my Hyundai and saved just over $420 a year. BTW speeding tickets are not good.

  11. Anthony Nicholson

    Mine is so expensive. I’m just south of Las Vegas, NV. Received rates from Hanover, Amica, Sentry, and a couple others for my Hyundai and saved $275 a year.

  12. Vikki Stephenson

    IT’S ALL TOO EXPENSIVE! I live just to the east of Great Falls, MT. Quoted with GEICO, Erie, and Liberty Mutual for my Azera and cut my rates about $150 a year. Left Sentry to switch. Got better coverage too. Just waiting to see how claims go.