It takes a few minutes, but the best way to get the cheapest Hyundai Azera insurance in Sacramento is to regularly compare prices from different companies who provide auto insurance in California. You can compare rates by completing these steps.
First, try to comprehend auto insurance and the steps you can take to prevent expensive coverage. Many rating criteria that are responsible for high rates such as accidents, traffic violations, and poor credit history can be improved by making minor driving habit or lifestyle changes. This article provides ideas to help keep prices low and find missing discounts.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like Progressive or State Farm, while independent agents can provide price quotes from many different companies. Select a company
Third, compare the new rate quotes to your existing coverage and determine if cheaper Azera coverage is available. If you find a lower rate and make a switch, verify that coverage does not lapse between policies.
Fourth, provide notification to your current agent or company of your intent to cancel your current coverage. Submit a signed application and payment to your new agent or company. As soon as you can, keep the new certificate verifying coverage in your vehicle’s glove compartment or console.
One key aspect of rate comparisons is to use the same physical damage deductibles and liability limits on every price quote and to quote with as many different insurance providers as possible. This helps ensure an accurate price comparison and a better comparison of the market.
It’s safe to conclude that car insurance companies don’t want you to look for a cheaper policy. People who shop around for better prices are inclined to buy a different policy because they have a good chance of finding good coverage at a lower price. Surprisingly, a recent survey revealed that consumers who compared prices regularly saved on average $850 each year compared to those who don’t regularly compare prices.
If finding low prices for insurance in Sacramento is your goal, then learning about how to compare cheaper coverage can help make the process easier and more efficient.
Check for these discounts
Some companies don’t list all possible discounts in a way that’s easy to find, so we took the time to find some of the more common as well as some of the hidden credits that you can use to lower your rates.
- Military Discounts – Having a deployed family member could be rewarded with lower rates.
- Safety Restraint Discount – Using a seat belt and 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.
- Home Ownership Discount – Just owning your own home may earn you a small savings because of the fact that having a home requires a higher level of personal finance.
- Driving Data Discount – Sacramento drivers who agree to allow their car insurance company to analyze when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they show good driving skills.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if offered at their school.
- Good Students Pay Less – Being a good student may save you up to 25%. This discount can apply up until you turn 25.
As a sidenote, most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as comp or med pay. So even though you would think it’s possible to get free car insurance, it doesn’t quite work that way.
The diagram below compares Hyundai Azera annual premium costs with and without discounts applied to the policy premium. The data assumes a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, safe-driver, and claim-free discounts applied.
Companies and their possible discounts are:
- Farm Bureau may include discounts for renewal discount, multi-vehicle, 55 and retired, youthful driver, and good student.
- MetLife has discounts for good driver, good student, accident-free, multi-policy, defensive driver, and claim-free.
- Progressive policyholders can earn discounts including multi-vehicle, good student, online signing, multi-policy, continuous coverage, and homeowner.
- AAA offers discounts including multi-car, anti-theft, multi-policy, good driver, pay-in-full, good student, and education and occupation.
- American Family discounts include early bird, good driver, Steer into Savings, defensive driver, and air bags.
- GEICO has savings for driver training, good student, air bags, multi-vehicle, seat belt use, and five-year accident-free.
- State Farm may offer discounts for accident-free, driver’s education, student away at school, Steer Clear safe driver discount, safe vehicle, and good driver.
Before you buy a policy, ask each insurance company which discounts you qualify for. Some discounts listed above might not be offered in Sacramento. To locate car insurance companies that have a full spectrum of discounts in Sacramento, click this link.
Finding cheap Hyundai Azera auto insurance prices is a great way to save money. All you need to do is spend a few minutes to get quotes online from several insurance companies.
The companies shown below are ready to provide quotes in California. To find cheaper car insurance in California, we suggest you visit as many as you can to get the best price comparison.
Hyundai Azera detailed coverage information
The premium information shown below showcases different coverage costs for Hyundai Azera models. Having a better idea how insurance premiums are formulated helps drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $346 | $744 | $456 | $26 | $136 | $1,708 | $142 |
| Azera Limited 4-Dr Sedan | $390 | $744 | $456 | $26 | $136 | $1,752 | $146 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in Sacramento location which can alter insurance rates greatly.
Policy deductibles
When comparing car insurance rates, the most common question is where should you set your physical damage deductibles. The comparison tables below outline how much more rates are of buying low and high physical damage deductibles. The first rate estimation uses a $100 deductible and the second pricing table uses a $500 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume 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, homeowner, and claim-free. Rates do not factor in specific location information which can influence premium rates significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $32 more each month or $384 for a full year averaged for all Azera models than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 13 months between claim filings, you would come out ahead if you decide on a higher deductible.
The chart below demonstrates how deductible levels and can influence Hyundai Azera insurance prices for each age group. The prices are based on a single male driver, full physical damage coverage, and no discounts are applied.
Buying insurance from Sacramento insurance agencies
Many drivers just want to go talk to an agent and there is nothing wrong with that. Licensed agents can make sure you are properly covered and help you file claims. A good thing about comparing insurance prices online is the fact that you can find better rates and still buy from a local agent. Buying from and supporting local insurance agencies is important particularly in Sacramento.
For easy comparison, once you complete this form (opens in new window), your coverage information is emailed to insurance agents in Sacramento who will return price quotes for your insurance coverage. It’s much easier because you don’t need to visit any agencies because quoted prices will be sent to your email. In the event you want to get a price quote for a specific company, don’t hesitate to find their quoting web page and fill out their quote form.
Below are Sacramento insurers who can help you get price quotes for Hyundai Azera insurance in Sacramento.
- Sig Lindley – State Farm Insurance Agent
8110 Pocket Rd #201 – Sacramento, CA 95831 – (916) 428-7370 – View Map - Bates Insurance Agency | Auto Insurance and Homeowners Insurance and Car Insurance
2306 J St – Sacramento, CA 95816 – (916) 251-3548 – View Map - Trevor Fong – State Farm Insurance Agent
7485 Rush River Dr #715 – Sacramento, CA 95831 – (916) 392-1240 – View Map - Big Savings Insurance Agency, Incorporated
1451 River Park Dr Suite 260 – Sacramento, CA 95815 – (888) 719-6743 – View Map
Deciding on an insurance company requires more thought than just the quoted price. The answers to these questions are important, too.
- How many years of experience in personal auto insurance do they have?
- Will your rates increase after a single accident?
- Can they provide you with a list of referrals?
- How long has their agency been open in Sacramento?
- Is there any savings for paying the full premium?
- Which company do they place the most coverage with?
If you get good answers for all questions you ask and a good coverage price, chances are good that you have found an provider that meets the requirements to provide insurance coverage.
Cover all your bases
We just covered a lot of tips how to find cheaper Hyundai Azera insurance in Sacramento. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with some of the smallest insurance companies.
Drivers leave their current company for many reasons like delays in paying claims, unfair underwriting practices, lack of trust in their agent and extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new car insurance company can be easier than you think.
Cheaper car insurance in Sacramento can be found on the web and with local Sacramento insurance agents, so you need to shop Sacramento auto insurance with both to have the best rate selection. Some car insurance companies may not have the ability to get quotes online and most of the time these small insurance companies only sell coverage through independent insurance agencies.
For more information, feel free to browse the resources below:
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Who Has Cheap Sacramento Auto Insurance for First-time Drivers? (FAQ)
- How Much is Sacramento Auto Insurance for Unemployed Drivers? (FAQ)
- Alcohol Impaired Driving FAQ (iihs.org)
- Car Insurance: When not to Skimp (BankRate.com)
- Auto Insurance for Teen Drivers (Insurance Information Institute)