To save the most money, the best way to find cheaper Hyundai Azera insurance is to begin comparing prices regularly from insurers that sell auto insurance in Baltimore. Rate comparisons can be done by following these guidelines.
Step 1: Read and learn about individual coverages and the factors you can control to keep rates down. Many policy risk factors that result in higher rates like traffic citations, accidents, and an imperfect credit rating can be remedied by making lifestyle changes or driving safer. Keep reading for additional ideas to get better rates and get bigger discounts that may have been overlooked.
Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like GEICO and State Farm, while independent agents can quote rates for a wide range of companies. View rates
Step 3: Compare the new rate quotes to your current policy and determine if there is any savings. If you find better rates and change companies, ensure coverage does not lapse between policies.
Step 4: Tell your current company of your decision to cancel your current policy and submit a down payment and signed policy application for the new policy. When you receive it, place your new certificate verifying coverage in an easily accessible location in your vehicle.
One thing to point out is that you’ll want to make sure you compare identical coverages on every price quote and and to get rates from as many companies as you can. This guarantees the most accurate price comparison and maximum price selection.
Remarkably, a study showed that nearly 70% of drivers kept their coverage with the same insurance company for over three years, and practically 40% of insurance customers have never shopped around. Most drivers in Maryland could save as much as $800 every year by just comparing rate quotes, but they just don’t understand how easy it is to save money by comparing rate quotes.
If you have a policy now, you stand a good chance to be able to save money using these tips. Obtaining price quotes for the lowest-priced coverage in Baltimore is not as hard as you think. Nevertheless, Maryland drivers do need to understand how big insurance companies calculate their prices and use it to your advantage.
Best Hyundai Azera insurance prices in Maryland
The providers in the list below provide price comparisons in Maryland. To get cheap car insurance in Baltimore, it’s highly recommended you visit as many as you can to get the best price comparison.
Hyundai Azera insurance charts and tables
The information displayed below covers different coverage prices for Hyundai Azera models. Being aware of how prices are figured can help guide drivers when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $198 | $428 | $390 | $24 | $116 | $1,156 | $96 |
| Azera Limited 4-Dr Sedan | $224 | $428 | $390 | $24 | $116 | $1,182 | $99 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Table data does not factor in vehicle location which can influence premium rates greatly.
Deductible comparison
When buying auto insurance, a common question is which deductible level should you buy. The following insurance rates can help you understand the differences in premium rates when you select higher and lower physical damage coverage deductibles. The first rate table uses a $100 deductible for comp and collision and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $350 | $744 | $406 | $24 | $122 | $1,671 | $139 |
| Azera Limited 4-Dr Sedan | $394 | $744 | $406 | $24 | $122 | $1,715 | $143 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $256 | $502 | $406 | $24 | $122 | $1,310 | $109 |
| Azera Limited 4-Dr Sedan | $288 | $502 | $406 | $24 | $122 | $1,342 | $112 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in specific location information which can alter premiums noticeably.
Based on the above data, using a $100 deductible will cost in the ballpark of $30 more each month or $360 each year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 13 months between claims, you would come out ahead going with the higher deductible.
Hyundai Azera Insurance Cost Factors
Lots of factors are part of the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, but others are not as apparent like where you live or how safe your car is.
High performance vehicles cost more to insure – The make and model of the car you drive makes a significant difference in how high your rates are. The lowest rates are for smaller low performance passenger cars, but your final cost has many other factors.
The data below uses these variables: married male driver age 30, full coverage with $100 deductibles, and no discounts or violations. It illustrates Hyundai Azera car insurance rates compared to other models that have a range of performance rating factors.
Rates increase with policy add-ons – Insurance policies have a lot of extra bells and whistles that can add up on your insurance policy. Insurance for things like personal injury protection, accidental death, and extra equipment coverage are examples of these. These may sound like a good investment when deciding what coverages you need, but if you have no use for them remove them and pocket the money.
Urban residents pay more – Being located in small towns and rural areas can save you money when it comes to insurance. People in densely populated areas tend to have more road rage incidents and a longer drive to work. Fewer drivers means less chance of accidents and a lower car theft rate.
Safer vehicles means better premiums – Cars with high safety ratings tend to have better insurance rates. Vehicles built for safety protect occupants better and better occupant protection means less money paid by your insurance company and cheaper rates on your policy.
Do you really need to file those policy claims? – Companies in Maryland award most affordable rates to insureds that do not abuse their auto insurance. If you frequently file small claims, you can look forward to increased rates or even have your policy non-renewed. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
Insurance losses for a Hyundai Azera – Insurance companies include the past claim history for a vehicle to calculate a rate that will offset losses. Models that historically have a higher amount or frequency of claims will cost more to insure.
The information below illustrates the compiled insurance loss statistics for Hyundai Azera vehicles. For each policy coverage, the claim amount for all vehicles combined as an average is considered to be 100. Values under 100 suggest a positive loss record, while values that are above 100 show a trend for more claims or an increased chance of a larger loss.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Azera | 115 | 83 | 101 | 99 | 106 | 91 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance discounts are available to cut your rates
The price of auto insurance can be rather high, but you may find discounts that can help lower your rates. Certain credits will be shown at the time you complete a quote, but lesser-known reductions have to be requested specifically prior to getting the savings. If you don’t get every credit available, you could be paying more than you need to.
- Discount for Multiple Policies – If you insure your home and vehicles with the same insurance company you may earn as much as 10 to 15 percent.
- Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their Baltimore auto insurance quote as compared to drivers with claims.
- Membership in Organizations – Being a member of a civic or occupational organization in Baltimore can get you a small discount on your next renewal.
- Multiple Cars – Buying coverage for multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
- Defensive Driver Discount – Taking time to complete a defensive driver course could possibly earn you a 5% discount if your company offers it.
- Accident-Free Discounts – Insureds who avoid accidents and claims can earn big discounts compared to policyholders that have many claims.
- Good Students Pay Less – This discount can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
Just know that some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.
The illustration below illustrates the comparison of Hyundai Azera insurance costs with and without discounts applied. The data is based on a female driver, no tickets, no at-fault accidents, Maryland state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, safe-driver, marriage, and multi-car discounts applied.
A list of car insurance companies and their offered discounts include:
- Progressive policyholders can earn discounts including homeowner, continuous coverage, online signing, good student, multi-policy, and online quote discount.
- SAFECO offers discounts including teen safe driver, anti-lock brakes, teen safety rewards, drive less, and safe driver.
- American Family may offer discounts for air bags, good driver, TimeAway discount, Steer into Savings, defensive driver, multi-vehicle, and mySafetyValet.
- MetLife may include discounts for good driver, claim-free, good student, accident-free, defensive driver, and multi-policy.
- GEICO may have discounts that include five-year accident-free, multi-vehicle, daytime running lights, air bags, and driver training.
- The Hartford offers discounts for anti-theft, bundle, vehicle fuel type, good student, air bag, and driver training.
If you want low cost Baltimore auto insurance quotes, ask every prospective company what discounts are available to you. Discounts might not apply everywhere.
Local Baltimore insurance agents and car insurance
Many drivers still prefer to visit with an insurance agent and doing so can bring peace of mind The biggest benefit of comparing rate quotes online is you can get better rates but also keep your business local.
Upon completion of this form (opens in new window), your insurance data is immediately sent to participating agents in Baltimore who will give competitive quotes for your business. There is no need to drive around because prices are sent to the email address you provide. You can get cheaper car insurance rates without requiring a lot of work. If you have a need to compare prices from one company in particular, just visit that company’s website and fill out their quote form.
Selecting a insurance company needs to be determined by more than just the premium amount. A good agent in Baltimore will have answers to these questions.
- How much experience to they have in personal lines coverages?
- Can glass repairs be made at your home?
- Do they get extra compensation for selling add-on coverages?
- If your car is in the repair shop, do you have coverage for a rental car?
- Does their agency support local causes in Baltimore?
- Do they offer claims assistance after hours?
- Do they regularly work with personal auto policies in Baltimore?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Maryland car insurance companies ranked
Choosing the highest-rated insurer can be a challenge considering how many companies are available to choose from in Baltimore. The company ratings below can help you select which coverage providers to look at shopping your coverage with.
Top 10 Baltimore Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Baltimore Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
What insurance coverages do I need?
When it comes to coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that
For example, these questions might point out whether or not you might need an agent’s assistance.
- Does my personal policy cover me when driving out-of-state?
- Do I need roadside assistance coverage?
- Does insurance cover tools stolen from my truck?
- When should I have rental car coverage?
- When should my teen driver be added to my policy?
- Do I have coverage for damage caused while driving under the influence?
- Does my insurance cover a custom paint job?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.
Quote more and you will save more
Cheap Hyundai Azera insurance in Baltimore can be purchased on the web in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide online price quotes and many times these small insurance companies provide coverage only through independent agents.
We just presented quite a bit of information on how to shop for Hyundai Azera insurance online. The key thing to remember is the more you quote Baltimore auto insurance, the better likelihood of getting cheaper Baltimore auto insurance quotes. Consumers could even find that the lowest auto insurance rates come from the least-expected company. They can often provide lower premium rates in certain areas compared to the large companies like State Farm or Progressive.
Additional car insurance information can be read below:
- Choosing a Car for Your Teen (State Farm)
- What Car Insurance is Cheapest for State Employees in Baltimore? (FAQ)
- Who Has Cheap Car Insurance Rates for Nurses in Baltimore? (FAQ)
- What Insurance is Cheapest for Young Drivers in Baltimore? (FAQ)
- Vehicle Insurance (Wikipedia)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Distracted Driving (Insurance Information Institute)