Save on 2014 Hyundai Azera Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 17, 2024

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I can’t think of a single person who likes having to buy auto insurance, especially knowing the cost is too high.

Companies like State Farm and GEICO all claim big savings, bombarding you with ads and consumers find it hard to ignore the promise of big savings and effectively compare rates to find the best deal.

How to buy auto insurance online

The are a couple different ways to compare prices from many available auto insurance companies in your state. The quickest method to comparison shop is simply to get online rate quotes. It’s really quite simple and can be done by using one of the methods below.

  • The simplest way to get quotes for comparison is a comparison rater form. This method saves time by eliminating boring form submissions for every auto insurance company. One form submission will return quotes instantly.
  • Another way to find more affordable insurance is to manually visit each company website and complete a new quote form. For instance, we’ll pretend you want to see prices from Liberty Mutual, Safeco and Progressive. To get each rate you have to spend time on each company’s site and punch in your information repeatedly, which can take a lot of time.

Which method you use is up to you, but be certain you are entering the same coverage data for every company. If you are comparing unequal deductibles or liability limits it’s impossible to make a fair rate comparison. Quoting even small variations in coverage limits can make a big difference in price. It’s important to know that quoting more will enable you to find the best price.

Do drivers who switch really save?

Well-known car insurance companies like State Farm and Allstate endlessly run television, radio, and online ads. All the companies make the same claim that you can save if you get a free car insurance quote and switch your policy. But how can every company charge you less for auto insurance? It’s all in the numbers.

Insurance companies provide the lowest rates for the type of customer that will add to their bottom line. A good example of a desirable insured could possibly be between 30 and 50, has other policies, and has a high credit rating. Anybody that meets those criteria will probably get cheap auto insurance rates and will most likely save when they switch companies.

Insureds who don’t measure up to these criteria may be required to pay higher premiums and this results in business not being written. The ad wording is “customers who switch” not “everyone that quotes” save that much when switching. That’s the way insurance companies can confidently make claims like that.

That is why you absolutely need to compare rate quotes every year. It’s not possible to predict which car insurance company will fit you best based on your risk profile.

Do you qualify for discounts?

Insurance can cost an arm and a leg, but you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but some need to be specially asked for in order for you to get them.

  • Senior Citizen Discount – Drivers over the age of 55 can possibly qualify for a slight reduction on a car insurance quote on Azera coverage.
  • Theft Deterrent System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Government Employees – Federal government employees could cut as much as 10% off on Azera coverage with certain companies.
  • Bundled Policy Discount – When you have multiple policies with one insurance company you may save over 10 percent off each policy depending on the company.
  • Paperwork-free – Some of the larger companies will provide an incentive for buying your policy on their website.
  • Homeowners Discount – Just being a homeowner can help you save on car insurance because maintaining a house demonstrates responsibility.
  • Active Military Service – Being deployed in the military may qualify for rate reductions.
  • Accident-Free Discounts – Insureds who avoid accidents and claims can earn big discounts compared to drivers who are more careless.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off the PIP or medical payment premium.
  • Pay Early and Save – If you pay your entire premium ahead of time rather than paying monthly you may have a lower total premium amount.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

To locate companies who offer car insurance discounts, enter your zip code here.

Don’t assume everyone needs the same insurance coverage

When choosing the best insurance coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions can aid in determining whether you would benefit from an agent’s advice.

  • Where can I get insurance after a DUI in my state?
  • Do all my vehicles need collision coverage?
  • Is rental equipment covered for theft or damage?
  • When would I need additional glass coverage?
  • What exactly is covered by my policy?
  • What is an SR-22 filing?
  • Which is better, split liability limits or combined limits?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out your zip code.

Car insurance coverages 101

Knowing the specifics of your car insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, medical expenses, structural damage, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage

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

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like pain medications, dental work and hospital visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, a broken windshield and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Money doesn’t grow on trees

Cheaper insurance is available on the web and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get quotes online and most of the time these regional carriers provide coverage only through independent agencies.

While you’re price shopping online, do not sacrifice coverage to reduce premiums. In many cases, an insured dropped comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

We’ve covered a lot of information how to save on 2014 Hyundai Azera insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding cheap car insurance. Consumers may even find the most savings is with a small mutual company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

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