Hyundai Azera Insurance Quotes in Henderson

Discount Hyundai Azera insuranceIt’s an obvious statement that car insurance companies want to keep your business as long as possible. Consumers who shop for lower prices will probably switch auto insurance companies because of the good chance of finding a cheaper policy. A recent auto insurance study revealed that people who routinely compared quotes saved $3,400 over four years compared to those who never shopped around.

If finding low prices for Hyundai Azera insurance is why you’re here, then understanding the best way to compare insurance coverage can make the process more efficient.

The recommended way to get budget Hyundai Azera insurance is to compare quotes annually from companies in Henderson.

An important note is that you’ll want to make sure you compare the same deductibles and limits on every price quote and to quote with every insurance company. This helps ensure the most accurate price comparison and the best rate selection.

Rates and information analytics

The rate information shown next highlights a range of prices for Hyundai Azera models. Having a good understanding how rate quotes are figured can be of help when making decisions when choosing a new policy provider.

Hyundai Azera Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $168 $298 $404 $24 $120 $1,014 $85
Azera Limited 4-Dr Sedan $190 $298 $404 $24 $120 $1,036 $86
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in garaging location in Henderson which can revise rates significantly.

Deductible analysis

When shopping for insurance, a common question is which deductible level should you buy. The comparison tables below approximate the rate fluctuation between low and high policy deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Hyundai Azera insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $238 $472 $308 $18 $92 $1,153 $96
Azera Limited 4-Dr Sedan $268 $472 $308 $18 $92 $1,183 $99
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Hyundai Azera insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $148 $298 $308 $18 $92 $864 $72
Azera Limited 4-Dr Sedan $166 $298 $308 $18 $92 $882 $74
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rates do not factor in Henderson location which can increase or decrease insurance rates greatly.

Based on the above data, using a $250 deductible costs roughly $25 more each month or $300 annually across all Hyundai Azera models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 30 months between claims, you would most likely save money by selecting a higher deductible.

The example below illustrates how your choice of deductibles and can affect Hyundai Azera annual premium costs for each age group. The costs are based on a single female driver, comp and collision included, and no additional discounts are factored in.

Hyundai Azera insurance costs by gender and age

The example below shows the difference between Hyundai Azera insurance prices for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Difference between liability only and full coverage rates

The diagram below compares Hyundai Azera insurance costs when comparing full coverage to liability only. The information is based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no specific rule for excluding physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s assume your Hyundai Azera replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after paying your deductible. If you are currently paying more than $600 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are a few situations where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Best auto insurance in Henderson

Selecting the highest-rated insurer can be challenging considering how many different companies insure vehicles in Nevada. The company ratings displayed below may help you analyze which auto insurers you want to consider putting your business with.

Top 10 Henderson Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. Nationwide – 90%
  5. State Farm – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. 21st Century – 88%
  9. Liberty Mutual – 88%
  10. Allstate – 88%

Top 10 Henderson Car Insurance Companies Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. Mercury Insurance
  5. The General
  6. Progressive
  7. Allstate
  8. AAA Insurance
  9. American Family
  10. Nationwide

Auto insurance specifics

Having a good grasp of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, theft and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as hospital visits, doctor visits, prosthetic devices, nursing services and pain medications. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits (Nevada limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these limits are similar to your liability insurance amounts.

Collision coverage – This covers damage to your Azera resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a ditch, sustaining damage from a pot hole, hitting a parking meter, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible on your Azera to bring the cost down.

Liability – This will cover damage that occurs to other people or property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 15/30/10 that means you have a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and $10,000 of coverage for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as emergency aid, loss of income, repair costs for stationary objects, legal defense fees and bail bonds. How much liability coverage do you need? That is your choice, but buy as much as you can afford. Nevada state law requires minimum liability limits of 15/30/10 but drivers should carry more coverage.

The chart below demonstrates why minimum state limits may not be enough.

Quote often and quote early

Some insurance companies do not provide online quoting and these small insurance companies work with independent agents. The cheapest Hyundai Azera insurance in Henderson can be purchased from both online companies as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money.

In this article, we covered a lot of information how to shop for Hyundai Azera insurance online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the lowest premium rates are with the smaller companies.

Insureds switch companies for a number of reasons such as lack of trust in their agent, delays in paying claims, questionable increases in premium and an unsatisfactory settlement offer. It doesn’t matter what your reason, switching insurance companies is easier than you think.

Additional information is available at the links below