How to Compare Los Angeles Hyundai Azera Insurance

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Insurance rates Hyundai Azera in Los AngelesI can't think of a single person who gets a kick out of paying for auto insurance, especially when they are aware that the cost is way too high.

We don't have to tell you that insurance companies want to keep you from comparing prices. People who shop for lower rates will most likely switch auto insurance companies because they have a good chance of finding good coverage at a lower price. A study discovered that drivers who shopped around annually saved approximately $865 a year as compared to drivers who never compared other company's rates.

If finding the cheapest rates on car insurance in Los Angeles is your ultimate objective, then knowing the best way to quote and compare insurance coverage can make it easier to shop your coverage around. Companies like State Farm, Progressive and GEICO promote their brand names with ads and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

Most larger insurance companies like Progressive, Allstate and GEICO allow you to get insurance quotes on their websites. Doing online quotes for Hyundai Azera insurance in Los Angeles is very simple as all you need to do is type in your required coverages as requested by the quote form. After you submit the form their quoting system will obtain credit information and your driving record and returns pricing information. Using the web to get rates for Hyundai Azera insurance in Los Angeles makes it easy to compare insurance prices and it is imperative to have as many quotes as possible if you want to get lower-cost prices.

To find out how much you're overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you copy deductibles and limits just like they are on your policy. This way, you're receiving a price comparison based on identical coverages.

The companies shown below offer quotes in Los Angeles, CA. If the list has multiple companies, we recommend you visit several of them to get a more complete price comparison.

Rates and detailed analysis

The premium table displayed below highlights different insurance prices for Hyundai Azera models. Having a good understanding how car insurance premiums are determined can assist in making smart choices when choosing a car insurance company.

Hyundai Azera Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Azera Limited 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific zip code location which can change prices significantly.

Rate comparison for different deductibles

One common question asked by Los Angeles drivers is how high or low should comp and collision deductibles be. The comparison tables below show the rate fluctuation when you select higher and lower policy deductibles. The first set of rates uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Hyundai Azera insurance with $100 deductibles
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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Hyundai Azera insurance with $1,000 deductibles
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, claim-free, homeowner, multi-vehicle, and multi-policy. Information does not factor in Los Angeles location which can impact coverage prices substantially.

Based on these figures, using a $100 deductible will cost you approximately $49 more each month or $588 a year averaged for all Azera models than opting for the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average more than 18 months between claim filings, you would most likely save money by going with a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $153
Average monthly premium for $1,000 deductibles (subtract): - $104
Monthly savings from raising deductible: $49
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $49
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

An important sidenote is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket at claim time. You will want to have some savings in the event you have to pay more for the deductible.

Impact of violations and accidents on rates

The diagram below demonstrates how traffic citations and at-fault collisions can impact Hyundai Azera yearly insurance costs for different age groups. The premiums are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

Rate comparison of male drivers versus female drivers

The diagram below shows the comparison of Hyundai Azera insurance premiums for male and female drivers. The data assumes no violations or accidents, full coverage, $100 deductibles, single marital status, and no policy discounts are applied.

Difference between liability only and full coverage rates

The chart below illustrates the comparison of Hyundai Azera car insurance rates with full physical damage coverage compared to only buying liability only. The data assumes a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

When to drop comprehensive and collision

There is no definitive guideline to eliminate physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let's pretend your Hyundai Azera replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $5,000 after paying your deductible. If premiums are more than $500 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where eliminating full coverage is not in your best interest. If you haven't paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Three reasons to insure your Hyundai vehicle

Despite the high cost of buying insurance for a Hyundai Azera in Los Angeles, auto insurance serves a purpose in several ways.

  • Almost all states have mandatory insurance requirements which means the state requires specific minimum amounts of liability protection in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a loan on your vehicle, most banks will force you to have insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Hyundai at an extremely high rate and force you to pay for the expensive policy.
  • Auto insurance protects both your Hyundai and your personal assets. Insurance will pay for medical bills for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying auto insurance definitely exceed the price paid, especially for larger claims. As of last year, the average driver in California overpays more than $830 a year so you should quote and compare rates every year to ensure rates are competitive.

What Impacts Hyundai Azera Insurance Premiums?

Many things are taken into consideration when pricing auto insurance. Some are obvious like your driving record, but others are more transparent like where you live or your vehicle rating.

Listed below are most of the major factors that factor into your rates.

  • Raise coverage deductibles and save - Your deductibles tell how much you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your car. Some coverage claims could be rear-ending another vehicle, damage caused by hail, and having a roll-over accident. The more of the claim you're willing to pay, the bigger discount you will receive.
  • Policy add-ons may not be needed - There are many extra add-on coverages that can add up if you aren't careful. Coverage for things like vanishing deductibles, better glass coverage, and extra equipment coverage may be wasting your money. They may seem like a good idea when buying your policy, but your needs may have changed so remove them and pocket the money.
  • Liability protection limits should be high - The liability section of your policy provides coverage when a jury decides you are liable for damages caused by your negligence. Liability insurance provides you with a defense in court starting from day one. It is affordable coverage when compared to the cost of physical damage coverage, so do not skimp.
  • Reduce rates by driving vehicles with better crash test results - Vehicles with good safety scores tend to be cheaper to insure. Safer cars help reduce the chance of injuries in an accident and reduced instances of injuries means less claims paid and cheaper rates on your policy. If your Hyundai is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Premiums drop with age - Youthful drivers in California are proven to be easily distracted when driving and because of this, their insurance rates are much higher. Older insureds have been proven to be more responsible, cost insurance companies less in claims, and get fewer tickets.

    The following data assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Low credit history equals high prices - Having a good credit score factor in determining what you pay for insurance. If your credit history could use some work, you could potentially save money when insuring your Hyundai Azera if you clean up your credit. Insureds with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with worse credit.
  • Insurance losses for a Hyundai Azera - Insurance companies analyze claim trends for every vehicle to help determine prices. Vehicles that the data shows to have increased losses will have higher rates.

    The table below shows the compiled insurance loss statistics for Hyundai Azera vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, without regard to make or model, is considered to be 100. Values under 100 suggest a positive loss record, while values that are 100 or greater indicate more frequent losses or an increased likelihood of larger losses.

    Insurance Loss Ratings for Hyundai Azera Vehicles
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Hyundai Azera 115 83 101 99 106 91

    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Hyundai Azera insurance discounts in Los Angeles

Insurance is not cheap nor is it fun to buy but you may be missing some discounts that you may not even know about. Larger premium reductions will be automatically applied at quote time, but some discounts are required to be requested specifically prior to getting the savings.Discount insurance

  • Student in College - Children who live away from home to go to college without a vehicle on campus can receive lower rates.
  • Senior Citizen Rates - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
  • Passive Restraints - Vehicles equipped with air bags can get savings of 20 to 30 percent.
  • New Car Discount - Insuring a new Azera can save you some money since new model year vehicles are generally safer.
  • Sign Early and Save - Some insurance companies provide a discount for switching policies before your current Azera insurance policy expires. You could save around 10% when you buy Los Angeles auto insurance online.
  • Safety Restraint Discount - Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Sign Online - A few larger online companies will give a small break simply for signing digitally online.
  • Low Miles Discount - Driving less could earn cheaper insurance rates.

Discounts save money, but please remember that most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, you aren't that lucky. Any amount of discount should definitely cut your overall premium however.

The information below compares Hyundai Azera premium costs with and without discounts being applied to the rates. The prices are based on a female driver, no claims or driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, marriage, claim-free, and homeowner discounts applied.

A few popular companies and a summarized list of policyholder discounts are:

  • GEICO may include discounts for seat belt use, daytime running lights, military active duty, anti-theft, and anti-lock brakes.
  • MetLife discounts include good driver, claim-free, defensive driver, good student, multi-policy, and accident-free.
  • Progressive has savings for continuous coverage, homeowner, online signing, multi-vehicle, online quote discount, good student, and multi-policy.
  • Travelers offers discounts including early quote, save driver, student away at school, good student, and new car.
  • SAFECO policyholders can earn discounts including accident prevention training, anti-lock brakes, drive less, teen safety rewards, teen safe driver, and bundle discounts.
  • AAA includes discounts for multi-policy, good driver, AAA membership discount, multi-car, good student, anti-theft, and pay-in-full.

Check with every insurance company how many discounts you can get. Some of the earlier mentioned discounts may not apply to policyholders in your area.

Get rate quotes but still have a local neighborhood Los Angeles car insurance agent

Some people would rather have an agent's advice and that is a personal choice. Good agents can make sure you are properly covered and will help you if you have claims. An additional benefit of comparing auto insurance online is the fact that drivers can get the lowest rates and still have a local agent.

To make it easy to find an agent, after completing this form (opens in new window), your information is sent to local insurance agents in Los Angeles who will gladly provide quotes for your insurance coverage. It simplifies rate comparisons since you won't have to leave your house because prices are sent to you directly. In the event you want to compare rates for a specific company, don't hesitate to search and find their rate quote page and give them your coverage information.

Deciding on an insurer shouldn't rely on just a cheap price. Any agent in Los Angeles should be forthright in answering these questions:

  • Do they receive special compensation for putting your coverage with one company over another?
  • If your car is totaled, how to they determine the replacement cost?
  • Is there a 24/7 contact number?
  • Who is covered by the car insurance policy?
  • Will the company cover a rental car if your car is getting fixed?
  • Are they giving you every discount you deserve?
  • Where would glass claims be handled in Los Angeles?
  • Are aftermarket or OEM parts used to repair vehicles?

When narrowing the list to find a local insurance agency, it's helpful to know the types of agencies that differ in how they can insure your vehicles. Agents in Los Angeles can be classified as either independent agents or exclusive agents. Either can write policy coverage, but it's good to learn how they are different because it can influence your selection of an agent.

Exclusive Agents

Agents that elect to be exclusive can only provide pricing for a single company and examples are Farmers Insurance, American Family, State Farm and Allstate. They are unable to compare rates from other companies so they have no alternatives for high prices. Exclusive insurance agents are well trained on their products and sales techniques which helps them sell on service rather than price.

The following is a list of exclusive insurance agencies in Los Angeles willing to provide comparison quotes.

318 1/2 S La Brea Ave #2 - Los Angeles, CA 90036 - (323) 932-2557 - View Map

5683 York Blvd - Los Angeles, CA 90042 - (323) 892-2880 - View Map

1990 Westwood Blvd #100 - Los Angeles, CA 90025 - (310) 234-9600 - View Map

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Independent Auto Insurance Agencies

Independent agencies often have many company appointments so as a result can place your coverage with multiple insurance companies depending on which coverage is best. If prices rise, an independent agent can move your coverage which requires no work on your part.

When comparing auto insurance rates, we highly recommend that you get quotes from a couple of independent agencies for the best price selection.

Below is a short list of independent agencies in Los Angeles that are able to give price quotes.

1905 S Western Ave #19 - Los Angeles, CA 90018 - (310) 215-9991 - View Map

11900 W Olympic Blvd #475 - Los Angeles, CA 90064 - (800) 966-6830 - View Map

11150 W Olympic Blvd # 1100 - Los Angeles, CA 90064 - (310) 857-5757 - View Map

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Keep this in mind when shopping around

While you're price shopping online, do not skimp on coverage in order to save money. There are a lot of situations where an insured dropped full coverage only to regret at claim time they didn't purchase enough coverage. Your aim should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

A few companies do not provide online quoting and most of the time these small, regional companies sell through independent agencies. Budget-conscious Hyundai Azera insurance can be bought both online as well as from independent agents in Los Angeles, so you should be comparing quotes from both in order to have the best price selection to choose from.

Much more information about auto insurance in California is available below: