How Much Does 2010 Hyundai Azera Insurance Cost in 2024?

Locating cheaper insurance for a Hyundai Azera could be a painful process, but you can learn a few tricks to save time. There are more efficient ways to buy car insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Hyundai and obtain the lowest price from both online companies and local agents.

You should make it a habit to quote other rates before your next renewal because insurance prices are constantly changing. Just because you had the lowest price on Azera coverage two years ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the tricks you need to know to buy cheaper car insurance.

Cheaper auto insurance quotes with discounts

Companies offering auto insurance do not advertise their entire list of discounts in a way that’s easy to find, so below is a list a few of the more common as well as some of the hidden discounts you could be receiving when you buy insurance online.

• Passenger Safety Discount – Options like air bags or motorized seat belts can get savings of up to 25% or more.
• Full Payment Discount – If you pay your bill all at once as opposed to paying monthly you could save 5% or more.
• Onboard Data Collection – Drivers who agree to allow their insurance company to scrutinize driving manner by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as they are good drivers.
• Senior Discount – Older drivers may qualify for reduced rates on Azera coverage.
• Own a Home and Save – Just being a homeowner can help you save on auto insurance since owning and maintaining a home shows financial diligence.
• No Claim Discounts – Drivers who don’t have accidents can save substantially in comparison with insureds who have frequent claims or accidents.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.

A list of companies and a summarized list of policyholder discounts can be read below.

• State Farm policyholders can earn discounts including passive restraint, defensive driving training, driver’s education, Drive Safe & Save, and anti-theft.
• Esurance includes discounts for online shopper, safety device, anti-lock brakes, Switch & Save, and defensive driver.
• Progressive may have discounts that include good student, homeowner, online quote discount, continuous coverage, multi-vehicle, and multi-policy.
• Liberty Mutual may include discounts for multi-policy, exclusive group savings, new graduate, preferred payment discount, and teen driver discount.
• Auto-Owners Insurance offers discounts for multiple vehicles, paperless, good student, student away at school, company car, and teen driver.
• GEICO offers premium reductions for multi-vehicle, anti-theft, defensive driver, military active duty, multi-policy, and air bags.

If you are trying to find the cheapest insurance quotes, ask all the companies to apply every possible discount. Some of the earlier mentioned discounts may not apply in your area. To choose auto insurance companies who offer discounts, enter your zip code here.

Compare auto insurance quotes

Lowering your 2010 Hyundai Azera auto insurance rates is a fairly straight forward process. Consumers just need to spend a few minutes on the computer comparing rate quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

1. If you’re in a hurry, the quickest way to find low rates is a comparison rater form. This easy form eliminates the need for boring form submissions for each company. Completing one form gets prices estimates from multiple companies. It’s definitely the quickest method.
2. A different way to compare prices requires a trip to the website for every company you want to compare and complete a new quote form. For sake of this example, we’ll pretend you need rates from State Farm, 21st Century and Liberty Mutual. To find out each rate you need to spend time on each company’s site and punch in your information repeatedly, which can be really labor intensive.
3. The old school way to compare price estimates is actually driving to all the different insurance agencies. The fact that you can get quotes online makes this process obsolete unless you have a need for the trained advice that you can only get from talking to an agent. However, consumers can price shop online but buy the policy through an agent.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverage data for each quote you get. If you have different data you will not be able to get a fair rate comparison.

Why you might pay lower rates

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that help determine your policy premiums. If you have a feel for what determines premiums, this allows you to make educated decisions that will entitle you to better auto insurance rates.

• Save by driving less – Driving a lot of miles in a year’s time the more it will cost to insure it. A lot of insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars that do not get driven very much cost less to insure than cars that get driven a lot. It’s always a good idea to double check that your auto insurance policy reflects annual mileage. An improperly rated Azera can result in significantly higher rates.
• Gender matters – Over the last 30 years, statistics show that men are more aggressive behind the wheel. It does not mean men are worse drivers. Women and men are responsible for auto accidents at about the same rate, but males tend to have higher claims. In addition to higher claims, males also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
• Five star NHTSA crash test rating saves money – Cars with high safety ratings tend to be cheaper to insure. The safest vehicles protect occupants better and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Hyundai Azera has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Alarms and GPS tracking lower rates – Choosing to buy a car with advanced anti-theft systems can save you a little every year. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop car theft and help bring rates down.
• Low stress occupation equals lower premiums – Occupations like doctors, business owners and stock brokers are shown to have the highest rates due to intense work-related stress and extremely grueling work hours. On the other hand, careers such as professors, historians and homemakers have lower than average premiums on Azera coverage.
• Keep auto insurance claims to a minimum – If you’re an insured who likes to file claims you should expect much higher rates or policy non-renewal. Car insurance companies provide lower rates to insureds who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of the large, substantial claims.
• Know your credit history – Having a good credit rating is a big factor in your rate calculation. So if your credit score leaves room for improvement, you could be paying less to insure your 2010 Hyundai Azera by taking the time to improve your credit score. Insureds with excellent credit scores tend to file fewer claims than those with lower ratings.
• Discounts for married couples – Being married actually saves money on your auto insurance policy. Having a spouse demonstrates that you tend to be more mature than a single person and it’s proven that drivers who are married are more cautious.

Tailor your auto insurance coverage to you

When choosing coverage, there really is not a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if you may require specific advice.

• Can I pay claims out-of-pocket if I buy high deductibles?
• Should I sign the liability waiver when renting a car?
• How do I insure my teen driver?
• Does insurance cover tools stolen from my truck?
• Does medical payments coverage apply to all occupants?
• Do I need higher collision deductibles?
• What is medical payments coverage?
• Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverages for a Hyundai Azera

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like pain medications, dental work, prosthetic devices, nursing services and chiropractic care. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Hyundai Azera.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, damage from a tornado or hurricane, hitting a deer and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance

This provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things like structural damage, funeral expenses, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying higher limits if possible.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Save your hard earned cash

Some insurance companies may not have rate quotes online and usually these small, regional companies prefer to sell through independent agencies. Affordable 2010 Hyundai Azera insurance can be bought online and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates.

When getting insurance quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped comprehensive coverage or liability limits and learned later that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Consumers who switch companies do it for many reasons like delays in paying claims, unfair underwriting practices, an unsatisfactory settlement offer and delays in responding to claim requests. It doesn’t matter why you want to switch switching companies can be pretty painless.