How long has it been since you compared lower-priced Hyundai Azera insurance in San Antonio? Drivers who just recently started comparing insurance prices on the internet are likely to discover locating inexpensive Hyundai Azera insurance in San Antonio is harder than they anticipated.
We don’t have to tell you that car insurance companies don’t want customers comparing rates. Insureds who do rate comparisons are very likely to buy a different policy because there is a significant possibility of finding a cheaper policy. A recent study showed that drivers who routinely shopped around saved approximately $850 each year as compared to drivers who never compared rates.
If finding the most affordable car insurance is your ultimate goal, learning how to choose a company and compare cheaper coverage can save time and make the process easier.
If you currently have auto insurance, you stand a good chance to be able to get lower rates using the following tips. Buying the best-priced policy in San Antonio is easy to do. But Texas drivers do need to know the methods companies use to price online insurance and use this information to your advantage.
Best companies for Hyundai Azera insurance
The following companies provide free rate quotes in San Antonio, TX. If the list has multiple companies, it’s highly recommended you get prices from several of them to get the best price comparison.
Insurance rate breakdown
The premium information shown next covers detailed analysis of insurance premium costs for Hyundai Azera models. Having a good grasp of how insurance prices are established can be of help when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $266 | $580 | $514 | $30 | $154 | $1,544 | $129 |
| Azera Limited 4-Dr Sedan | $300 | $580 | $514 | $30 | $154 | $1,578 | $132 |
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in specific location information which can influence insurance rates considerably.
Policy deductibles
One of the most common auto insurance questions is where to set your physical damage deductibles. The comparison tables below illustrate the rate differences when you choose different coverage deductibles. The first rate comparisons uses a $250 deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $294 | $584 | $382 | $22 | $114 | $1,421 | $118 |
| Azera Limited 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $240 | $472 | $382 | $22 | $114 | $1,230 | $103 |
| Azera Limited 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in garaging location in San Antonio which can alter prices greatly.
We can derive from the above data that using a $250 deductible costs roughly $16 more each month or $192 every year than selecting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 16 months between claim filings, you would most likely save money by going with a higher deductible.
Do you need full coverage?
The chart below illustrates the difference between Hyundai Azera auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on a clean driving record, no claims, $500 deductibles, drivers are single, and no additional discounts are factored in.
Are you wasting money on full coverage?
There is no set rule that works best for making the decision to drop comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s say your Hyundai Azera book value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying your policy deductible. If you are currently paying more than $700 annually to have full coverage, then you might consider buying liability only.
There are some circumstances where removing full coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Cheaper Hyundai Azera insurance quotes in San Antonio
Companies don’t list every possible discount in a way that’s easy to find, so below is a list both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy San Antonio auto insurance online.
- Federal Government Employee – Federal government employees could qualify for a slight premium decrease with some car insurance companies.
- Own a Home – Owning a home in San Antonio can earn you a little savings because owning a home is proof of financial responsibility.
- Payment Method – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid monthly service charges.
- Braking Control Discount – Cars and trucks with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
- Discount for New Cars – Buying a new car model can save you some money due to better safety requirements for newer models.
- 55 and Retired – Seniors can possibly qualify for a slight reduction on a San Antonio auto insurance quote.
- Safe Driver Discount – Accident-free drivers can pay as much as 50% less than drivers with accidents.
- Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Distant College Student Discount – Any of your kids who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
- No Claim Discounts – San Antonio drivers who stay claim-free get the best car insurance rates in comparison with accident-prone drivers.
Discounts save money, but please remember that most of the big mark downs will not be given to the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, companies wouldn’t make money that way. But all discounts will reduce your overall bill.
The diagram below visualizes the comparison of Hyundai Azera annual premium costs with and without policy discounts. The premiums are based on a female driver, no claims or driving citations, Texas 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 marriage, multi-policy, safe-driver, multi-car, claim-free, and homeowner discounts applied.
The best car insurance companies and some of the premium reductions they offer include:
- Mercury Insurance policyholders can earn discounts including annual mileage, low natural disaster claims, professional/association, good student, type of vehicle, age of vehicle, and anti-theft.
- Farmers Insurance includes discounts for mature driver, multi-car, switch companies, teen driver, youthful driver, business and professional, and homeowner.
- Farm Bureau discounts include good student, multi-vehicle, youthful driver, multi-policy, renewal discount, and driver training.
- State Farm offers premium reductions for multiple policy, good driver, Steer Clear safe driver discount, defensive driving training, driver’s education, anti-theft, and student away at school.
- Allstate offers discounts for teenSMART discount, 55 and retired, resident student, auto/life discount, and EZ pay plan discount.
- GEICO may offer discounts for military active duty, air bags, multi-policy, defensive driver, five-year accident-free, seat belt use, and driver training.
It’s a good idea to ask every prospective company which discounts can lower your rates. Savings might not be available to policyholders in San Antonio. If you would like to view companies that offer discounts in Texas, click this link.
Lower Your San Antonio Insurance Prices
Many different elements are taken into consideration when pricing auto insurance. Some factors are common sense such as traffic violations, but other criteria are less apparent such as your credit history or your vehicle rating. When buying auto insurance it’s important to understand some of the things that go into determining the level of your policy premiums. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that could help you find big savings.
Low comp and collision deductibles cost more – Comprehensive and collision coverage deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered are rear-ending another vehicle, damage from fire, and having a roll-over accident. The more you pay before a claim is paid (deductible), the lower your rates will be.
Know your credit rating – An insured’s credit score is a big factor in calculating your premium rate. If your credit score leaves room for improvement, you could save money insuring your Hyundai Azera by taking the time to improve your credit score. Consumers who have excellent credit scores tend to be more responsible and file fewer claims than drivers with lower credit scores.
Having a spouse can save on auto insurance – Having a significant other may cut your premiums on your auto insurance bill. It demonstrates that you tend to be less irresponsible and insurance companies like that being married results in fewer claims.
Females tend to take less risk – Statistics show that women are safer drivers than men. The data does not necessarily mean that men are worse drivers. They both have at-fault accidents in similar percentages, but the men tend to have higher claims. Men also statistically receive more major tickets like reckless driving and DUI.
The information below shows the comparison of Hyundai Azera insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are taken into consideration.
Your stress level may be raising your rates – Occupational choices like judges, airline pilots, and financial analysts tend to pay higher premiums than the average policyholder due to intense work-related stress and lengthy work days. On the flip side, occupations such as farmers, engineers and homemakers pay the least.
When should you file a policy claims? – Companies in Texas generally give the best rates to people who are claim-free. If you are a frequent claim filer, you can pretty much guarantee higher premiums or even policy non-renewal. Your car insurance is meant to be used in the event of the large, substantial claims.
Mature drivers save more – Older insureds are proven to be safer behind the wheel, file fewer claims, and are generally more financially stable. Young drivers are known to get distracted easily behind the wheel and because of this, their auto insurance rates are much higher.
The chart below is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
If you don’t need it don’t buy it – There are many additional extra coverages that can waste your money on your Azera policy. Things like rental car coverage, towing, and additional equipment coverage are some examples. They may sound like good ideas initially, but now you might not need them so eliminate them to save money.
Hyundai Azera statistical loss data – Insurance companies factor in historical loss data to calculate a rate that will offset losses. Vehicles that tend to have higher frequency or amount of claims will have higher rates for specific coverages. The information below illustrates the compiled insurance loss statistics for Hyundai Azera vehicles.
For each coverage category, the claim probability for all vehicles, without regard to make or model, is a value of 100. Percentages below 100 suggest losses that are better than average, while values over 100 show a trend for more claims or larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Azera | 115 | 83 | 101 | 99 | 106 | 91 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Do I need an insurance agent?
Some people still like to go talk to an agent and doing that can be a smart decision An additional benefit of getting online price quotes is that you can obtain cheap auto insurance rates and still have a local agent. Buying from local insurance agents is important particularly in San Antonio.
After filling out this simple form, your coverage information gets sent to companies in San Antonio who will return price quotes for your coverage. You won’t even need to even leave your home as quotes are delivered straight to your inbox. You can find better rates without requiring a lot of work. If you have a need to compare rates from a particular provider, just jump over to their website and give them your coverage information.
If you want to buy auto insurance from a reputable agency, you must know there are a couple different agency structures and how they differ in how they can insure your vehicles. Agents are classified as either independent or exclusive depending on the company they work for.
Independent Agencies or Brokers
Independent agents are not limited to a single company so they can insure your vehicles with lots of companies and find the cheapest rate. If they find a lower price, they simply switch companies in-house which is easy for the insured. If you are trying to find cheaper rates, you will want to compare prices from at a minimum one independent agency so that you can do a thorough price comparison. Most can insure with smaller mutual companies that can offer cheaper rates than bigger companies.
The following is a small list of independent agents in San Antonio that may be able to give you price quote information.
- Ellis Insurance Agency
15335 San Pedro Ave – San Antonio, TX 78232 – (210) 979-9000 – View Map - Garcia Insurance Agency
1255 SW Military Dr – San Antonio, TX 78221 – (210) 593-8935 – View Map - San Antonio Insurance Agency
1100 NE Interstate 410 Loop – San Antonio, TX 78209 – (210) 822-2590 – View Map
Exclusive Agencies
Agents in the exclusive channel can only quote rates from one company like AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. They are well trained on the products they sell which can be an advantage. Consumers sometimes buy from the same agent for years mainly due to the prominence of the brand rather than low price.
Listed below are exclusive agents in San Antonio that can give you comparison quotes.
- GEICO Insurance Agent
8910 Bandera Rd #110 – San Antonio, TX 78250 – (210) 673-2391 – View Map - Norma Lopez Petre – State Farm Insurance Agent
3227 SW Military Dr #103 – San Antonio, TX 78211 – (210) 928-3276 – View Map - Terry Padilla – State Farm Insurance Agent
6633 S Zarzamora – San Antonio, TX 78211 – (210) 932-3399 – View Map
Finding the right auto insurance agent requires you to look at more than just the price. Get answers to these questions too.
- Is the agency covered by Errors and Omissions coverage?
- Where are claims handled?
- If independent agents, which companies do they recommend?
- Are they actively involved in the community?
- Does the quote include credit and driving reports?
After receiving reasonable responses to your questions and a low price estimate, chances are good that you have found a car insurance agent that can be relied on to service your policy. Just remember you have the power to terminate your policy whenever you want so never assume that you are obligated to a policy for any length of time.
Do the work, save more money
As you quote San Antonio auto insurance, do not buy poor coverage just to save money. In many cases, an accident victim reduced full coverage only to discover later that it was a big error on their part. Your goal is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.
More affordable auto insurance in San Antonio can be sourced from both online companies in addition to many San Antonio insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers may not offer rates over the internet and these smaller companies work with local independent agents.
Insureds change insurance companies for any number of reasons including being labeled a high risk driver, questionable increases in premium, policy non-renewal and even policy cancellation. It doesn’t matter what your reason, switching auto insurance companies can be less work than you think.
More detailed auto insurance information can be found in these articles:
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Who Has Cheap Auto Insurance Rates for Drivers Over Age 60 in San Antonio? (FAQ)
- Who Has Affordable Car Insurance for Good Students in San Antonio? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Low Credit Scores in San Antonio? (FAQ)
- How Much is San Antonio Car Insurance for a Company Car? (FAQ)
- Information for Teen Drivers (GEICO)
- Top Signs Your Brakes are Giving Out (State Farm)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)