Car Insurance Quotes for a Hyundai Azera in Plano

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Insurance rates Hyundai Azera in PlanoThe most effective way to get more affordable Hyundai Azera insurance is to compare quotes annually from insurers who sell insurance in Plano.

Step 1: Take a few minutes and learn about how car insurance works and the things you can change to prevent expensive coverage. Many policy risk factors that are responsible for high rates like traffic tickets, fender benders, and a poor credit rating can be remedied by making lifestyle changes or driving safer.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO or Farmers Insurance, while independent agents can provide price quotes from multiple companies.

Step 3: Compare the price quotes to the price on your current policy to see if cheaper Azera coverage is available. If you can save some money, verify that coverage does not lapse between policies.

Step 4: Notify your agent or company to cancel your current coverage. Submit a down payment along with a signed application for your new coverage. Immediately put the new certificate verifying coverage in an easily accessible location.

A good tip to remember is to try to compare the same physical damage deductibles and liability limits on every quote request and and to get price quotes from as many different companies as possible. This provides a level playing field and a good representation of prices.

It's a known fact that car insurance companies don't want their customers to go rate shopping. Insureds who shop around for cheaper prices will probably buy a new policy because there is a significant possibility of finding better rates. A survey found that people who make a habit of shopping around saved on average $72 a month compared to those who never shopped around.

If finding the lowest price for car insurance in Plano is why you're here, knowing how to get free comparison quotes and analyze insurance coverage can help you succeed in saving money.

If you are already insured or just want to save money, take advantage of these tips to reduce the price you pay without sacrificing coverage. Locating affordable auto insurance policy in Plano is not as time-consuming as you think. Drivers just have to use the most efficient way to compare different rates from many companies at once.

The quickest method we recommend to compare car insurance rates for Hyundai Azera insurance in Plano utilizes the fact most of the larger companies pay for the opportunity to compare rate quotes. To get started, all you need to do is give them rating details such as any included safety features, what your job is, daily mileage, and how you use your vehicles. Your insurance information gets sent immediately to insurance companies and you get price estimates quickly.

To start a quote now, click here and find out if you can get cheaper insurance in Plano.

The following companies are our best choices to provide price quotes in Texas. If your goal is to find the best car insurance in Texas, it's a good idea that you get price quotes from several of them in order to find the lowest rates.

Rates and statistics

The information shown below outlines detailed analysis of prices for Hyundai Azera models. Having a good grasp of how insurance rates are established helps drivers make decisions on which insurance to purchase.

Hyundai Azera Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $252 $580 $358 $22 $108 $1,320 $110
Azera Limited 4-Dr Sedan $284 $580 $358 $22 $108 $1,352 $113
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in specific location which can increase or decrease insurance rates considerably.

Can higher deductibles save money?

One of the most common insurance questions is at what level do you set your deductibles. The tables below approximate the rate fluctuation when you select higher and lower policy deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Hyundai Azera insurance premium estimates with $250 deductibles
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
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Hyundai Azera insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $182 $368 $382 $22 $114 $1,068 $89
Azera Limited 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in your specific Plano location which can affect prices significantly.

Based on the above data, using a $250 deductible will cost in the ballpark of $30 more each month or $360 every year across all Hyundai Azera models than buying the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 25 months between claim filings, you would save money if you opt for a higher deductible.

The chart below illustrates how choosing a deductible and can raise or lower Hyundai Azera premium costs for different categories of driver ages. The prices are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

Bad driving habits will cost you more

The illustration below demonstrates how speeding tickets and accident claims can impact Hyundai Azera annual premium costs for different age groups. The prices are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

Premiums by gender and age

The chart below compares Hyundai Azera yearly insurance costs for male and female drivers. The rates are based on no violations or accidents, comp and collision included, $500 deductibles, single status, and no discounts are factored in.

Affordable Hyundai Azera insurance in Plano

Companies don't list every policy discount in an easy-to-find place, so below is a list some of the more common and also the more inconspicuous credits that may apply to you.Cheaper insurance with discounts

  • Switch and Save Discount - Some larger companies provide a discount for signing up before your current expiration date. Ten percent is about the average savings.
  • Lower Rates for Military - Being deployed with a military unit may lower your rates slightly.
  • Save over 55 - Drivers that qualify as senior citizens may receive a small discount on rates.
  • Driver Training Discounts - Taking part in a class that teaches defensive driving techniques can save you 5% or more and also improve your driving technique.
  • No Accidents - Drivers with accident-free driving histories get the best insurance rates as compared to policyholders that have many claims.
  • Drive Safe and Save - Insureds without accidents can get discounts for up to 45% lower rates compared to accident prone drivers.

Just know that most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, insurance companies aren't that generous. Any qualifying discounts will definitely reduce your premiums.

The information below visualizes the comparison of Hyundai Azera car insurance rates with and without discounts applied to the policy premium. The premiums are based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, homeowner, multi-policy, and safe-driver discounts applied.

A list of companies and a selection of discounts are outlined below.

  • State Farm offers discounts for good student, Steer Clear safe driver discount, anti-theft, defensive driving training, safe vehicle, and multiple policy.
  • Esurance has discounts for Switch & Save, anti-lock brakes, DriveSense, good student, good driver, and defensive driver.
  • Progressive discounts include continuous coverage, online signing, good student, multi-policy, multi-vehicle, and homeowner.
  • Liberty Mutual policyholders can earn discounts including safety features, good student, hybrid vehicle, teen driver discount, and preferred payment discount.
  • Auto-Owners Insurance has savings for paid in full, multi-policy, anti-lock brakes, student away at school, group or association, and safe vehicle.
  • GEICO offers premium reductions for military active duty, seat belt use, defensive driver, driver training, and membership and employees.

Before buying, ask every insurance company which credits you are entitled to. Some credits might not be offered on policies in your area. For a list of insurance companies who offer free Hyundai Azera insurance quotes in Texas, follow this link.

Car insurance is not optional in Texas

Even though it's not necessarily cheap to insure a Hyundai in Plano, buying car insurance may be required and benefits you in several ways.

  • Most states have mandatory liability insurance requirements which means the state requires a specific level of liability insurance coverage if you don't want to risk a ticket. 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 you have a lien on your Hyundai Azera, it's most likely the lender will require you to have physical damage coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank may buy a policy for your Hyundai at a much higher rate and force you to pay the higher price.
  • Car insurance preserves not only your vehicle but also your assets. Insurance will also pay for most medical and hospital costs incurred in an accident. Liability coverage will also pay for a defense attorney in the event you are sued. If your Hyundai gets damaged, your policy will pay to repair the damage minus the deductible amount.

The benefits of having insurance definitely exceed the price paid, particularly for liability claims. The average driver in America overpays more than $850 per year so compare rate quotes every year to ensure rates are inline.

Plano auto insurance companies ranked

Insuring your vehicle with the top company is difficult considering how many companies provide coverage in Plano. The company rank data shown next can help you select which coverage providers you want to consider shopping prices with.

Top 10 Plano Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Exclusive versus independent insurance agents

A small number of people still like to get advice from a local agent and that is just fine! Professional insurance agents can help determine the best coverages and help in the event of a claim. A nice benefit of getting online price quotes is you may find better rates and still buy from a local agent. Buying from local agents is still important in Plano.

Find insurance agent in PlanoBy using this quick form, the quote information is submitted to participating agents in Plano who can give free rate quotes for your coverage. You won't even need to drive around because prices are sent to your email. If you want to get a price quote from a specific company, you just need to jump over to their website to submit a rate quote request.

If you prefer to buy car insurance from an insurance agent, there are two different types of agents and how they can quote your rates. Insurance agencies in Plano may be either independent or exclusive depending on the company they work for. Either can do a good job, but it's important to know the difference in how they write coverage since it may influence your selection of an agent.

Independent Insurance Agents

Independent insurance agents are not employed by any specific company so they have the ability to put coverage through many companies and find the cheapest rate. If you want to switch companies, your agent can just switch to a different company which requires no work on your part. When searching for an agent, you definitely need to contact multiple independent agents for the best price selection. Many independent agencies also insure through different regional companies which could offer lower prices.

The following are independent agents in Plano that may be able to give you free rate quotes.

View more Plano agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide pricing for a single company and examples are Farmers Insurance or State Farm. Exclusive agents cannot provide prices from multiple companies so they have to upsell other benefits. These agents are well trained on their company's products which helps them sell on service rather than price. Consumers sometimes buy from the same agent for years mainly due to high brand loyalty rather than low rates.

Listed below is a short list of exclusive agencies in Plano willing to provide comparison quotes.

View more Plano agents

Finding a good auto insurance agent requires you to look at more than just a cheap quote. These are some questions you should get answers to.

  • Do they offer accident forgiveness?
  • Can you use your own choice of collision repair facility?
  • How long has their agency been open in Plano?
  • Can you contact them at any time?
  • What insurance companies do they recommend if they are an independent agent?