Locating cheaper insurance for a new or used Hyundai Azera can normally be difficult, but you can follow the following methods to make it easier.
There is a right way and a wrong way to shop for auto insurance so you’re going to learn the quickest way to quote coverages on a Hyundai and locate the cheapest rates.
If you are insured now or need new coverage, you can use these tips to find better prices while maintaining coverages. Finding the lowest cost protection can be fairly easy. Drivers just need to know the best way to get comparison rates over the internet.
Comprehensive Auto Insurance Comparison
Performing a rate comparison can be exhausting if you don’t utilize the most efficient way. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to quickly compare rates.
Most of the larger companies belong to a marketplace that enables customers to complete one form, and each company can give them a price based on that information. This system prevents you from having to do quotation requests to each individual auto insurance company.
To use this form to compare rates click here to open in new window.
The one downside to doing it this way is you are unable to specify the insurers to get pricing from. So if you prefer to pick individual companies for rate comparison, we put together a list of companies who write auto insurance in your area. Click here to view list.
Whichever way you use, be sure to compare apples-to-apples coverages for every company. If you are comparing mixed coverages it will be impossible to determine the best price for your Hyundai Azera.
Discounts are available to cut your rates
Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help bring down the price. Most are applied at the time of quoting, but some must be requested specifically before being credited. If you don’t get every credit possible, you are paying more than you should be.
- Accident Forgiveness – Some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a certain period of time.
- Save with a New Car – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
- Claim Free – Claim-free drivers pay much less compared to frequent claim filers.
- Fewer Miles Equal More Savings – Driving fewer miles could qualify for better rates on cars that stay parked.
- Club Memberships – Participating in a qualifying organization is a good way to get lower rates on auto insurance on Azera coverage.
- Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
Keep in mind that most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will bring down your overall premium however.
Why you might be paying too much to insure your Hyundai Azera
An important part of buying insurance is that you know the rating factors that help determine the price you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.
- Being married is a good thing – Having a wife or husband actually saves money on your policy. It is viewed as being more mature and it’s statistically proven that married drivers get in fewer accidents.
- Teen drivers pay high rates – Youthful drivers are statistically proven to be less responsible when behind the wheel so they pay higher auto insurance rates. Older insureds tend to be more responsible, tend to file fewer claims and receive fewer citations.
- Performance level impacts rates – The performance of the vehicle you drive makes a significant difference in the rate you pay. The most favorable rates are generally reserved for lower performance four cylinder passenger vehicles, but other factors influence the final cost greatly. Since the Hyundai Azera is a passenger car, rates will be similar in price or lower as compared to the average rate.
- Safer occupants lowers premiums – Vehicles with good safety scores get lower rates. These vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders. If your Hyundai Azera is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
- High deductibles save money – Your deductibles define the amount you are willing to pay out-of-pocket before your auto insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your car. Some instances where coverage would apply would be running into the backend of another car, damage from fire, or theft. The more you are required to pay out-of-pocket, the lower your rates will be on Azera coverage.
- Small claims can cost you – Insurance companies generally give better rates to drivers who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
- Battle of the sexes – Statistics have proven that women are safer drivers than men. However, this does not mean women are better drivers. They both tend to get into accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to get more serious tickets such as reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.
- Your job and insurance rates – Jobs such as judges, executives and accountants are shown to have higher rates than average because of stressful work requirements and lots of time spent at work. On the flip side, occupations like pilots, athletes and the unemployed pay the least on Azera coverage.
What about using a local agent?
Certain consumers would prefer to sit down with an agent. Educated insurance agents can point out coverage gaps and give you someone to call. The best thing about comparing rates online is you may find the best rates and still have an agent to talk to. Buying from local agencies is important particularly in smaller rural communities.
To make it easy to find an agent, after completing this simple form, your insurance data is transmitted to agents in your area who will compete to get your business. There is no reason to visit any agencies as quotes are delivered straight to your inbox. Now that’s easy!
The different types of insurance agents
If you’re trying to find an insurance agent, there are two different types of agents from which to choose. Agents can either be independent or captive. Both do a good job, but it’s worth learning the differences because it can impact your selection of an agent.
Independent Agents (or Brokers)
Independent agencies are not locked into one company but rather can write business with multiple insurance companies depending on which coverage is best. If your agent finds better pricing, the business is moved internally without you having to go to a different agency.
When comparing rates, you should always contact multiple independent agents to ensure the widest selection of prices.Most can insure with different regional companies which can be an advantage.
Captive Insurance Agents
Captive agencies work for only one company such as Allstate, Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. These agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents. Consumers frequently purchase coverage from captives mainly due to loyalty to the company and the convenience of having all coverages with one company.
For a full directory of insurance agents, click here.
Deciding on a car insurance agent requires more thought than just a cheap price. These are valid questions to ask:
- Does the agency provide any after hours assistance?
- How long have they worked with personal auto insurance coverage?
- Is the agent and/or agency licensed to do business in your state?
- Who is covered by the car insurance policy?
- Are you getting all the discounts the company offers?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Does the agent have professional designations like CIC, CPCU or AIC?
- If your car is in the repair shop, do you have coverage for a rental car?
Upon getting answers to your satisfaction and a good coverage price, chances are good that you have found an insurance agency that will provide auto insurance coverage.
Auto insurance ads bend the truth
Drivers can’t get away from ads for cheaper car insurance by Allstate, GEICO and Progressive. They all seem to have a common claim of big savings if you switch to their company.
But how can every company say the same thing? This is how they do it.
Different companies have a certain “appetite” for the driver they prefer to insure. An example of a desirable insured might be profiled as between 25 and 40, is a homeowner, and chooses high deductibles. A customer who matches those parameters will get very good rates and therefore will save when they switch companies.
Consumers who don’t measure up to these standards will have to pay more money which leads to the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “people who quote” save that kind of money. That is how insurance companies can advertise the savings.
Because of the profiling, drivers must quote coverage with many companies. It is impossible to predict the company that will have the lowest rates.
Affordable insurance is out there
As you prepare to switch companies, never skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability coverage limits only to regret that the small savings ended up costing them much more. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.
Cheaper Hyundai Azera insurance is possible from both online companies and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.
Consumers leave their current company for a variety of reasons including delays in responding to claim requests, questionable increases in premium, policy non-renewal and denial of a claim. It doesn’t matter what your reason, switching companies is actually quite simple.
