Cheap Durham Hyundai Azera Insurance

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.

Insurance for Hyundai AzeraThe 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.

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.

Hyundai Azera Insurance Rates in Durham, NC
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
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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.

Hyundai Azera insurance premium estimates with $100 deductibles
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
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Hyundai Azera insurance premium estimates with $500 deductibles
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
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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.Insurance discounts

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.

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.

Best Auto Insurance Companies in Durham
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
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Data Source: 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.

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