Smart shoppers know that insurance companies don’t want policyholders to shop around. Consumers who shop rates annually will probably buy a different policy because there is a good chance of finding a cheaper policy. A recent survey discovered that drivers who regularly shopped around saved an average of $3,450 over four years as compared to drivers who never shopped around for better prices.
If finding the most affordable auto insurance is your ultimate objective, learning how to get rate quotes and compare coverages can help make the process easier and more efficient.
The recommended way to get discount Hyundai Azera insurance in Durham is to compare prices once a year from insurance carriers who provide car insurance in North Carolina.
- First, take a little time to learn about the coverage provided by your policy and the changes you can make to keep rates low. Many things that result in higher rates like traffic citations, accidents, and a poor credit score can be remedied by making small lifestyle or driving habit changes.
- Second, quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.
- Third, compare the new quotes to your existing coverage and determine if there is any savings. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.
- Fourth, provide notification to your current company to cancel your current coverage and submit the completed application along with a down payment to the new company. Make sure you place your new proof of insurance paperwork along with your vehicle registration.
The most important part of this process is to compare similar limits and deductibles on every quote and and to get rates from as many auto insurance providers as possible. This provides an accurate price comparison and the best rate selection.
Car insurance analysis for a Hyundai Azera
The price information shown next showcases detailed analysis of policy rates for Hyundai Azera models. Being more informed about how insurance premiums are established can help guide drivers when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $92 | $204 | $240 | $14 | $72 | $622 | $52 |
| Azera Limited 4-Dr Sedan | $104 | $204 | $240 | $14 | $72 | $634 | $53 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in vehicle garaging location which can impact coverage rates greatly.
An analysis of deductible level
A question often asked by Durham drivers is how high or low should comp and collision deductibles be. The following insurance rates may help you to understand how much more you’ll pay between low and high comp and collision deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $214 | $456 | $250 | $14 | $74 | $1,033 | $86 |
| Azera Limited 4-Dr Sedan | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $156 | $308 | $250 | $14 | $74 | $802 | $67 |
| Azera Limited 4-Dr Sedan | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Information does not factor in vehicle location which can increase or decrease premiums significantly.
Based on these figures, using a $100 deductible costs roughly $19 more each month or $228 a year than selecting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go at least 21 months between claim filings, you would probably be better off by selecting a higher deductible.
The example below highlights how deductible selection and can impact Hyundai Azera insurance premiums for each age group. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
Rate comparison of men versus women in Durham
The chart below visualizes the comparison of Hyundai Azera insurance costs for male and female drivers. Data assumes no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
Insurance quotes and discounts
Car insurance can cost a lot, but discounts can save money and there are some available that you may not know about. Certain reductions will be credited when you purchase, but some discounts are required to be manually applied before you will receive the discount.
- Durham Homeowners Discount – Owning a home in Durham can get you a discount because of the fact that having a home shows financial diligence.
- Driving Data Discount – People who choose to allow their company to track driving patterns remotely such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if their driving habits are good.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents and therefore earn up to a 10% discount.
- First Accident Forgiveness – This one isn’t a discount, but some companies like Allstate, Progressive, and GEICO may permit one accident before they charge you more for coverage so long as you haven’t had any claims before the accident.
- Drivers Education – Have your child participate in a local driver’s education class as it can save substantially.
- Multiple Vehicles – Drivers who insure multiple vehicles with one company can get a discount for every vehicle.
- Low Mileage Discounts – Driving less may allow you to get lower prices due to less chance of an accident.
- Military Discounts – Being on active duty in the military can result in better rates.
- Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease with certain companies.
As a disclaimer on discounts, most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So when the math indicates all those discounts means the company will pay you, nobody gets a free ride.
The information below shows the difference between Hyundai Azera auto insurance costs with and without discounts applied to the policy premium. Data assumes a female driver, no accidents, no driving violations, North Carolina state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, multi-policy, safe-driver, and claim-free discounts applied.
A few popular companies and their possible discounts are detailed below.
- GEICO has savings for driver training, daytime running lights, federal employee, anti-lock brakes, anti-theft, good student, and multi-policy.
- MetLife offers discounts for accident-free, claim-free, multi-policy, good driver, defensive driver, good student
- Progressive has discounts for homeowner, multi-vehicle, online quote discount, good student, multi-policy, continuous coverage, and online signing.
- Travelers may have discounts that include multi-car, good student, save driver, hybrid/electric vehicle, new car, IntelliDrive, and early quote.
- SAFECO may include discounts for bundle discounts, multi-car, accident prevention training, homeowner, teen safe driver, drive less, and teen safety rewards.
- AAA includes discounts for good student, AAA membership discount, good driver, multi-car, pay-in-full, education and occupation, and multi-policy.
If you are trying to find the cheapest Hyundai Azera rate quotes, ask each insurance company how many discounts you can get. Some of the earlier mentioned discounts may not apply to policies in Durham. If you would like to view insurance companies that can offer you the previously mentioned discounts in North Carolina, click this link.
What auto insurance coverages do you need?
Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average auto insurance policy.
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Hyundai Azera.
Since a lot of drivers have only the minimum liability required by law (which is 30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.
Collision insurance
Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as colliding with another moving vehicle, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible on your Azera to save money on collision insurance.
Comprehensive protection
This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like vandalism, rock chips in glass, fire damage and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Liability insurance
This coverage will cover damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 30/60/25 which stand for $30,000 bodily injury coverage, $60,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability can pay for things like bail bonds, funeral expenses and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible. North Carolina state law requires minimum liability limits of 30/60/25 but you should consider buying higher limits.
The chart below demonstrates why buying the state minimum limits may not be high enough to cover claims.
Medical expense coverage
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like nursing services, X-ray expenses, dental work, doctor visits and pain medications. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible
Ratings for Durham auto insurance companies
Picking a high-quality insurer can be rather challenging considering how many choices you have in North Carolina. The information listed below could help you select which companies to look at comparing price quotes from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Quote more and you will save more
Throughout this article, we presented a lot of information how to lower your Hyundai Azera insurance prices in Durham. The most important thing to understand is the more times you quote, the better chance you’ll have of finding inexpensive Durham car insurance quotes. You may even find the lowest prices come from the least-expected company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.
Cheap Hyundai Azera insurance in Durham is available online and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not have online price quotes and many times these regional carriers only sell coverage through local independent agents.
Other learning opportunities
- Safety Belts FAQ (iihs.org)
- How Much is Durham Car Insurance for Teenage Females? (FAQ)
- Who Has Affordable Durham Car Insurance Quotes for a Subaru Impreza? (FAQ)
- Who Has Cheap Durham Auto Insurance Rates for a Chevrolet Silverado? (FAQ)
- Who Has Affordable Car Insurance for a Mazda CX-7 in Durham? (FAQ)
- Who Has Affordable Car Insurance Rates for a Toyota 4Runner in Durham? (FAQ)
- How Much is Durham Car Insurance for 18 Year Olds? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Police Officers in Durham? (FAQ)
- Auto Crash Statistics (Insurance Information Institute)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Frontal Crash Tests (iihs.org)