Compare Hyundai Azera Insurance Rate Quotes in Scottsdale

The most effective way to get affordable Hyundai Azera insurance is to start comparing prices yearly from insurance carriers who provide car insurance in Scottsdale. Rate comparisons can be done by following these steps.

  1. Get an understanding of how your policy works and the changes you can make to lower rates. Many policy risk factors that are responsible for high rates like speeding tickets, careless driving and an unacceptable credit rating can be eliminated by making minor changes in your lifestyle.
  2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agents can quote rates from multiple insurance companies. Compare rates
  3. Compare the new rate quotes to your existing coverage and see if there is a cheaper rate in Scottsdale. If you find a lower rate and change companies, verify that coverage does not lapse between policies.

One important bit of advice is that you’ll want to make sure you compare identical coverage information on every quote and and to look at as many different companies as possible. This provides an accurate price comparison and a thorough price selection.

Insurance rates Hyundai Azera in ScottsdaleShocking but true, nearly 70% of drivers have remained with the same auto insurance company for a minimum of four years, and almost half have never even shopped around for affordable coverage. Scottsdale drivers can save hundreds of dollars each year, but they think it’s difficult to compare rates.

Auto insurance providers offering low-cost price quotes in Arizona

The companies in the list below offer price comparisons in Arizona. To find cheap car insurance in Scottsdale, we recommend you get price quotes from several of them in order to find the most affordable rates.

Detailed insurance information

The price information displayed next highlights different insurance premium costs for Hyundai Azera models. Knowing how premiums are established helps drivers make informed purchases.

Hyundai Azera Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $172 $342 $308 $18 $92 $932 $78
Azera Limited 4-Dr Sedan $194 $342 $308 $18 $92 $954 $80
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rates do not factor in vehicle garaging location which can decrease or increase rates significantly.

Physical damage deductibles

One frequently asked question is how high should the physical damage deductibles be. The figures shown below approximate the difference in cost of buying low and high deductibles. The first table uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Hyundai Azera insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $232 $460 $300 $18 $90 $1,125 $94
Azera Limited 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
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Hyundai Azera insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $144 $290 $300 $18 $90 $842 $70
Azera Limited 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific location information which can raise or lower insurance rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $24 more each month or $288 every year than selecting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 31 months between claim filings, you would probably come out ahead by selecting a higher deductible.

The diagram below shows how different deductible levels and can impact Hyundai Azera annual premium costs for different ages of insureds. The costs are based on a single female driver, comp and collision included, and no policy discounts are applied.

Impact of careless driving on Scottsdale insurance rates

The diagram below shows how traffic citations and accident claims influence Hyundai Azera insurance prices for different age groups. Data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Hyundai Azera insurance costs by age and gender

The illustration below shows the difference between Hyundai Azera insurance costs for male and female drivers. The data is based on no violations or accidents, full physical damage coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.

Do you need full coverage?

The chart below visualizes the comparison of Hyundai Azera car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no violations or accidents, $100 deductibles, marital status is single, and no policy discounts are applied.

Should you buy full coverage or liability only?

There is no definitive formula for phasing out comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Hyundai Azera claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after the deductible is paid. If you are paying in excess of $800 annually to have full coverage, then it may be the right time to buy liability only.

There are a few situations where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Discounts can help lower rates on Hyundai Azera insurance in Scottsdale

Companies don’t always publicize every discount available very clearly, so the next list breaks down some of the more common and the harder-to-find discounts that you may qualify for.

Remember that some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts should help lower your overall premium however.

The diagram below visualizes the comparison of Hyundai Azera insurance premiums with and without discounts applied. The premium estimates are based on a female driver, no claims or violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, marriage, safe-driver, and multi-car discounts applied.

A few popular companies and a summarized list of policyholder discounts are outlined below.

Before purchasing a policy, check with all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not be available in your area. To find insurers with the best Hyundai Azera insurance discounts in Arizona, click here to view.

What is the best car insurance coverage?

When quoting and choosing adequate coverage for your vehicles, there really is no one-size-fits-all type of policy. Everyone’s needs are different.

For instance, these questions could help you determine if you may require specific advice.

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, complete this form.

When to have guidance from an agent

Certain consumers still like to sit down and talk to an agent and that is a smart decision One of the great benefits of comparing rate quotes online is that you can find cheap auto insurance quotes and still have a local agent. Buying from neighborhood agents is definitely important in Scottsdale.

Upon completion of this short form, your coverage information gets sent to companies in Scottsdale who want to provide quotes for your business. There is no need to leave your computer as quotes are delivered immediately to you. Get lower rates without a big time investment. In the event you want to get a rate quote for a specific company, you would need to find their quoting web page and give them your coverage information.

If you prefer to buy auto insurance from a good insurance agency, it helps to know the two different types of agents and how they can service your needs differently. Agencies in Scottsdale are classified as either independent (non-exclusive) or exclusive.

Independent Insurance Agents

Independent agents are not employed by any specific company so they can insure your vehicles through many companies depending on which coverage is best. If premiums increase, they can switch companies in-house without you having to go to a different agency. When comparing auto insurance rates, you absolutely need to get quotes from at a minimum one independent agency to have the most options to choose from. Most also write with smaller mutual companies which may provide better rates.

Below are Scottsdale independent agents that may be able to give pricing information.

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Exclusive Auto Insurance Agents

Exclusive agencies can only place business with one company and examples are AAA, Allstate, and State Farm. They usually cannot provide rate quotes from other companies so it’s a take it or leave it situation. They are well schooled on their company’s products and that allows them to sell at a higher price point. Consumers often buy from exclusive agents partially due to the brand legacy rather than low price.

The following are Scottsdale exclusive insurance agents who can help you get comparison quotes.

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Selecting an insurance agency needs to be determined by more than just a cheap quote. Agents should be asked these questions:

Do the work, save more money

As you quote Scottsdale car insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured cut full coverage and discovered at claim time they didn’t have enough coverage. The aim is to find the BEST coverage at a price you can afford.

Cheaper insurance in Scottsdale can be found from both online companies as well as from independent agents in Scottsdale, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not provide price quotes online and usually these smaller providers sell through independent agencies.

Drivers change insurance companies for any number of reasons including being labeled a high risk driver, questionable increases in premium, high rates after DUI convictions or even lack of trust in their agent. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.

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