Do you want a faster way to compare low-cost Hyundai Azera insurance in Houston? Wish you could get a refund on high-priced Hyundai Azera insurance in Houston? Don’t feel bad because many Houston consumers feel financially strained by their car insurance policy.
A recent NerdWallet.com study revealed that a large majority of drivers kept their coverage with the same car insurance company for at least the last four years, and almost 40% of drivers have never even compared quotes to find affordable rates. Many drivers in Texas can save 70% each year by just shopping around, but they just assume it takes a lot of time to compare other rate quotes. Companies like GEICO, 21st Century and Progressive continually hit you with TV and radio ads and it is challenging if not impossible to ignore the propaganda and take the time to shop coverage around.
The most recommended method to get policy rate comparisons for Hyundai Azera insurance in Houston is to understand most insurance companies pay for the opportunity to quote your coverage. To get started, all you need to do is give them some information like if you are currently licensed, how many miles driven, level of coverage desired, and if you went to college. That rating information gets transmitted to multiple companies and you should receive rate quotes almost instantly.
To find the cheapest car insurance rates, click here then complete the form.
The auto insurance companies shown below provide free rate quotes in Houston, TX. If multiple companies are listed, it’s highly recommended you visit two to three different companies to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $374 | $698 | $500 | $30 | $150 | $1,752 | $146 |
| Azera Limited 4-Dr Sedan | $378 | $584 | $500 | $30 | $150 | $1,642 | $137 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rates do not factor in specific zip code location which can revise price quotes greatly.
How much more does full coverage cost?
The diagram below shows the comparison of Hyundai Azera insurance prices with and without physical damage coverage. The premiums assume a clean driving record, no at-fault accidents, $100 deductibles, single female driver, and no discounts are applied.
When to stop buying full coverage
There is no exact rule of when to stop paying for physical damage coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s assume your Hyundai Azera book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after paying your policy deductible. If premium cost is more than $400 a year to have full coverage, the it may be a good time to stop paying for full coverage.
There are some cases where eliminating full coverage is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should maintain full coverage.
Policy deductible comparison
The example below illustrates how choosing a deductible and can raise or lower Hyundai Azera yearly insurance costs for each different age group. Data assumes a single female driver, full physical damage coverage, and no discounts are taken into consideration.
Annual premiums comparing men and women
The example below illustrates the difference between Hyundai Azera insurance costs for male and female drivers. The data is based on no accidents, no driving violations, comp and collision included, $100 deductibles, single marital status, and no other discounts are factored in.
Car insurance is not optional in Texas
Despite the high cost, car insurance is required for several reasons.
- The majority of states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your vehicle has a loan, it’s most likely the lender will require that you buy full coverage to protect their interest in the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Hyundai at an extremely high rate and require you to pay the higher price.
- Insurance safeguards both your assets and your Hyundai. It will also provide coverage for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage also pays for attorney fees and expenses if you cause an accident and are sued. If your car is damaged in a storm or accident, your policy will pay to have it repaired.
The benefits of buying enough insurance more than offset the price you pay, particularly for liability claims. Today the average American driver overpays more than $869 every year so it’s very important to do a rate comparison at every policy renewal to be sure current rates are still competitive.
Affordable Houston auto insurance rates with discounts
Insurance can cost an arm and a leg, but there could be significant discounts that you may not know about. Some of these discounts will be visible at the time you complete a quote, but a few need to be asked for prior to receiving the credit. If you’re not getting every credit available, you may be paying too high a price.
- Air Bags and Passive Restraints – Factory air bags or motorized seat belts could see savings of 25 to 30%.
- Accident Free – Houston drivers who stay claim-free get the best auto insurance rates in comparison with drivers with a long claim history.
- Switch and Save Discount – Some companies give discounts for switching to them before your current expiration date. You could save around 10% when you buy Houston auto insurance online.
- Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a Houston auto insurance quote. Most companies allow this discount up until you turn 25.
- Defensive Driver Discount – Passing a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
A quick disclaimer, most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, you’re out of luck.
To choose insurers with the best discounts in Houston, follow this link.
Buying auto insurance from Houston car insurance agents
Some consumers just want to have an agent’s advice and that can be a great decision Most agents can make sure you are properly covered and help you file claims. One of the benefits of comparing auto insurance online is that you can obtain cheap auto insurance rates but still work with a licensed agent.
To help locate an agent, after submitting this simple form, your insurance data gets sent to companies in Houston that can provide free Houston auto insurance quotes to get your business. You don’t have to even leave your home since price quotes are sent immediately to you. If for some reason you want to get a comparison quote from a specific auto insurance provider, you just need to find their quoting web page and complete a quote there.
Picking the best insurer requires you to look at more than just a cheap price quote. These are some valid questions you should ask.
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is coverage determined by price?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- What companies can they write with?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they offer accident forgiveness?
Auto insurance coverage breakdown
Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average auto insurance policy.
Collision protection
This pays for damage to your Azera from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against things such as hitting a mailbox, colliding with another moving vehicle, rolling your car, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible on your Azera to save money on collision insurance.
Comprehensive protection
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like falling objects, vandalism and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical expense coverage
Med pay and PIP coverage kick in for expenses for chiropractic care, rehabilitation expenses and prosthetic devices. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Uninsured or underinsured coverage
This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Hyundai Azera.
Due to the fact that many Texas drivers carry very low liability coverage limits (30/60/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Auto liability insurance
Liability insurance protects you from damage or injury you incur to people or other property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 30/60/25 that translate to $30,000 bodily injury coverage, a limit of $60,000 in injury protection per accident, and property damage coverage for $25,000.
Liability coverage protects against claims like pain and suffering, medical services, court costs, attorney fees and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible. Texas requires drivers to carry at least 30/60/25 but it’s recommended drivers buy better liability coverage.
Cheaper auto insurance premiums are possible
Low-cost Hyundai Azera insurance in Houston can be found both online in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and most of the time these regional carriers prefer to sell through independent insurance agencies.
We just covered many ideas to find cheap Hyundai Azera insurance in Houston. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the most savings is with some of the smallest insurance companies. These companies can often provide lower premium rates in certain areas compared to the large companies like State Farm and Allstate.
Much more information about auto insurance in Texas can be read on the following sites:
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance Quotes for a School Permit in Houston? (FAQ)
- Who Has Affordable Houston Auto Insurance Rates for Drivers Requiring a SR22? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Booster Seat Ratings (iihs.org)