Regrettably, a large majority of drivers have stayed with the same insurance company for a minimum of four years, and nearly the majority have never even compared quotes to find lower-cost rates. Many consumers in California can cut their rates by roughly 35% a year, but they don’t believe the amount of savings they would get if they switched to a cheaper policy.
To save the most money, the best way to find affordable Hyundai Azera insurance in Irvine is to do a yearly price comparison from insurers that sell auto insurance in California.
- First, spend a few minutes and learn about auto insurance and the steps you can take to prevent rate increases. Many rating factors that result in higher rates like traffic citations and an imperfect credit history can be eliminated by making lifestyle changes or driving safer.
- Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while agents who are independent can quote prices for a wide range of insurance providers.
- Third, compare the new rate quotes to the price on your current policy to determine if you can save on Azera insurance. If you find a lower rate and switch companies, verify that coverage does not lapse between policies.
- Fourth, give notification to your agent or company of your intention to cancel your existing policy. Submit a down payment along with a signed application for the new policy. When you receive it, place your new certificate verifying coverage with your registration paperwork.
The critical component of shopping around is to make sure you enter similar deductibles and liability limits on each price quote and and to compare every insurance company. Doing this guarantees the most accurate price comparison and a thorough selection of prices.
Rates and detailed analysis
The price information below showcases a range of policy rates for Hyundai Azera models. Having a better idea how insurance premiums are calculated is important for you to make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $372 | $930 | $534 | $32 | $160 | $2,028 | $169 |
| Azera Limited 4-Dr Sedan | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in specific zip code location which can affect premiums noticeably.
Physical damage deductibles
One common question asked by Irvine drivers is how high or low should comp and collision deductibles be. The rates below can help show the difference in cost when you buy lower versus higher physical damage deductibles. The first table uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Azera Limited 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Azera Limited 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price information does not factor in specific location which can revise premium rates greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $49 more each month or $588 for a full year across all Hyundai Azera models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 18 months between claim filings, you would save more money if you opt for a higher deductible.
The diagram below demonstrates how choosing different deductibles and can change Hyundai Azera premium costs for each different age group. The prices are based on a married female driver, full coverage, and no other discounts are factored in.
Impact of speeding/accidents on auto insurance rates
The information below illustrates how traffic citations and at-fault fender-benders can increase Hyundai Azera premium costs for different age groups. The prices are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Hyundai Azera insurance costs by age and gender
The example below compares Hyundai Azera insurance premiums for male and female drivers. The price estimates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
Hyundai Azera liability-only versus full coverage
The diagram below shows the difference between Hyundai Azera annual premium costs with full physical damage coverage compared to only buying liability only. The prices are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied.
When to stop paying for full coverage
There is no set guideline of when to eliminate physical damage coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s pretend your Hyundai Azera replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $7,000 after the deductible is paid. If you are paying in excess of $700 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not recommended. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
Hyundai Azera Insurance Costs Can Be Cheaper
Lots of factors are used in the calculation when you get a price on insurance. Some are obvious such as traffic violations, although others are less apparent like your continuous coverage and annual miles driven. The best way to find cheaper insurance is to take a look at some of the things that play a part in calculating insurance rates. When consumers understand what impacts premium levels, this enables informed choices that could result in lower rates.
Discounts for theft deterrents – Purchasing a vehicle with advanced anti-theft systems can save you some money. Systems that thwart thieves such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
Never let your coverage expire – Not maintaining insurance is not a good idea and your next policy will cost more because you let your insurance lapse. Not only will rates go up, not being able to provide proof of insurance may result in a steep fine or even jail time. You may then be required to prove you have insurance by filing a SR-22 with the California DMV.
Liability insurance is cheap – Liability insurance will provide protection if ever you are responsible for personal injury or accident damage. Liability provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
Where you live plays a part – Living in areas with lower population can save you money when buying insurance. Drivers who live in large cities tend to have traffic congestion and higher rates of accident claims. Less people corresponds to lower accident rates in addition to fewer liability claims.
Hyundai Azera claim statistics – Car insurance companies take into consideration historical loss data for every vehicle when they file their rates in each state. Models that statistically have higher number or severity of losses will have higher rates. The table shown below demonstrates the historical loss data for Hyundai Azera vehicles.
For each coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is set at 100. Numbers that are below 100 represent a good loss history, while values that are 100 or greater indicate higher probability of having a loss or tendency to have higher losses.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Azera | 115 | 83 | 101 | 99 | 106 | 91 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Irvine car insurance companies ranked
Picking a good quality insurance provider can be rather challenging considering how many companies are available to choose from in California. The ranking data in the next section could help you analyze which coverage providers you want to consider comparing rate quotes with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Lower rates by being persistent
There are still a few companies who do not provide online price quotes and most of the time these small, regional companies sell through independent insurance agents. Affordable Hyundai Azera insurance in Irvine can be bought both online in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates.
Insureds leave their current company for a variety of reasons including policy non-renewal, policy cancellation, delays in paying claims and extreme rates for teen drivers. Regardless of your reason, choosing a new company is easier than you think.
We just presented some good ideas how to shop for Hyundai Azera insurance online. The key thing to remember is the more companies you get premium rates for, the more likely it is that you will get a better rate. Consumers may even find the best auto insurance rates are with an unexpected company.
More tips and info about car insurance is available in the articles below:
- Get the Right Protection (InsureUonline.org)
- What Car Insurance is Cheapest for a Toyota Corolla in Irvine? (FAQ)
- How Much are Irvine Car Insurance Quotes for Unemployed Drivers? (FAQ)
- How Much are Irvine Car Insurance Rates for a Ford Escape? (FAQ)
- Who Has the Cheapest Irvine Car Insurance for a Honda Accord? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)