How to Compare Los Angeles Hyundai Azera Insurance

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.

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.

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

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:

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:

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 #2Los Angeles, CA 90036(323) 932-2557View Map

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

1990 Westwood Blvd #100Los Angeles, CA 90025(310) 234-9600View 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 #19Los Angeles, CA 90018(310) 215-9991View Map

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

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