We don’t have to point out that fact that car insurance companies want to keep you from comparing prices. Consumers who shop around for the cheapest rate are very likely to buy a new policy because they have a good chance of finding lower prices. A study showed that people who did price comparisons regularly saved $72 a month compared to drivers who never shopped around for cheaper prices.
If finding the lowest price on auto insurance is your objective, then learning a little about the best way to shop and compare coverages can help you be more efficient.
If saving the most money is your goal, then the best way to find lower priced auto insurance rates is to compare prices once a year from providers that sell auto insurance in Orlando. Rates can be compared by following these steps.
First, spend some time learning about how car insurance works and the measures you can take to lower rates. Many rating factors that cause high rates such as multiple speeding tickets and poor credit history can be controlled by making minor driving habit or lifestyle changes.
Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes from multiple companies.
Third, compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you can save some money and change companies, verify that coverage does not lapse between policies.
Fourth, notify your company or agent to cancel your current auto insurance policy and submit the completed application along with a down payment to your new agent or company. Immediately safely store the proof of insurance paperwork with the vehicle registration.
A valuable tip to remember is to use the same deductibles and limits on every quote request and and to analyze as many different insurance providers as possible. Doing this enables a fair price comparison and a complete selection of prices.
Locating the most cost-effective insurance policy in Orlando is much easier if you have a good place to start. If you’re already insured, you will be able to lower your rates using the ideas covered in this article. Consumers just need to learn the proper way to compare rate quotes online.
Insurance discounts help lower rates for Hyundai Azera insurance in Orlando
Properly insuring your vehicles can get expensive, but there could be significant discounts to help offset the cost. Certain reductions will be credited at the time of quoting, but less common discounts must be asked about before they will apply.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it will make them better drivers and lower rates.
- New Vehicle Savings – Putting insurance coverage on a new Azera can be considerably cheaper because newer vehicles keep occupants safer.
- Driving Data Discount – Orlando drivers who agree to allow their insurance company to track where and when they drive remotely such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if their driving habits are good.
- Professional Organizations – Joining specific professional or occupational memberships or organizations could trigger savings on your next insurance statement.
- Discount for Good Grades – Being a good student can earn a discount of 20% or more. The discount lasts until age 25.
A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, nobody gets a free ride.
The example below compares Hyundai Azera insurance premiums with and without discounts applied to the policy premium. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, Florida 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 claim-free, marriage, safe-driver, multi-car, homeowner, and multi-policy discounts applied.
For a list of insurance companies that offer the discounts shown above in Orlando, click here to view.
The best way we recommend to compare car insurance company rates for Hyundai Azera insurance in Orlando utilizes the fact most insurance companies pay for the opportunity to give you rate quotes. To get started, all you need to do is give the companies some data such as marital status, if you require a SR-22, if the vehicle is leased, and the make and model of your vehicles. Your information is submitted instantly to insurance carriers in your area and you will receive price estimates instantly to find the best rate.
To start a rate quote now, click here and enter your zip code.
The companies shown below have been selected to offer price quotes in Orlando, FL. To locate cheaper auto insurance in Orlando, FL, it’s a good idea that you visit two to three different companies to find the lowest car insurance rates.
Hyundai Azera coverage analysis
The rate information displayed next covers different rate quotes for Hyundai Azera models. Learning a little about how insurance policy premiums are formulated can aid in making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $348 | $748 | $426 | $26 | $128 | $1,676 | $140 |
| Azera Limited 4-Dr Sedan | $392 | $748 | $426 | $26 | $128 | $1,720 | $143 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Prices do not factor in specific garaging location which can revise coverage rates greatly.
Deductible comparison
One of the hardest decisions when shopping for insurance is which comprehensive and collision deductibles to buy. The following insurance rates can help illustrate the price difference when you select higher and lower coverage deductibles. The first price estimate table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $322 | $640 | $418 | $24 | $124 | $1,553 | $129 |
| Azera Limited 4-Dr Sedan | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $262 | $516 | $418 | $24 | $124 | $1,344 | $112 |
| Azera Limited 4-Dr Sedan | $296 | $516 | $418 | $24 | $124 | $1,378 | $115 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in specific garaging location which can increase or decrease prices considerably.
Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $17 more each month or $204 a year than buying the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 15 months between claims, you would probably be better off if you decide on a higher deductible.
Driving violations and accidents
The diagram below demonstrates how speeding tickets and at-fault accidents can affect Hyundai Azera car insurance rates for different categories of driver ages. The premiums are based on a married female driver, full coverage, $500 deductibles, and no discounts are factored in.
Liability only or full coverage
The diagram below compares Hyundai Azera insurance costs when comparing full coverage to state minimum liability only. The data is based on no violations or accidents, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no exact formula to drop physical damage coverage, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s say your Hyundai Azera claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after paying the physical damage deductible. If premiums are more than $600 annually for full coverage, then it may be the right time to buy liability only.
There are some circumstances where only buying liability is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should maintain full coverage.
What is the best insurance coverage?
When choosing proper insurance coverage, there really isn’t a one-size-fits-all type of policy. Every situation is different so this has to be addressed. These are some specific questions can aid in determining whether or not you may require specific advice.
- Is my camper covered by my car insurance policy?
- Do I need replacement cost coverage?
- Which companies will insure me after a DUI?
- Are my custom wheels covered?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Is my Hyundai Azera covered for smoke damage?
- Do I need added coverage for expensive stereo equipment?
- Why are teen drivers so expensive to add on to my policy?
- When should I remove comp and collision on my Hyundai Azera?
- Is my son or daughter covered when driving my car?
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
When to contact an insurance agent
Many people just prefer to visit with an insurance agent and that can be a smart move Experienced insurance agents can point out coverage gaps and help you file claims. An additional benefit of getting free rate quotes online is that you can obtain lower rates but also keep your business local.
Once you complete this short form, your information is transmitted to agents in your area who will give you bids for your business. It’s much easier because you don’t need to leave your house as quotes are delivered to you. If you want to get a comparison quote from a particular provider, you would need to visit that company’s website and fill out their quote form.
Picking the best insurer should depend on more than just the price. Here are some questions you might want to ask.
- Do they have any clout with companies to ensure a fair claim settlement?
- Where are claims handled?
- What are their preferred companies if they are an independent agency?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Will they give you a referral list?
The different types of car insurance agents
If you want to use a reliable agent, it’s important to understand the different types of agencies and how they are slightly different. Orlando agents are either independent agents or exclusive agents depending on their employer. Both write car insurance policies, but it’s important to know the subtle differences because it can factor into your agent selection.
Exclusive Car Insurance Agents
These agents have only one company to place business with such as State Farm, Allstate and AAA. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. These agents are trained well on their company’s products which aids in selling service over price. Consumers frequently use the same exclusive agent mostly because of the prominent brand name and solid financial strength.
Shown below are Orlando exclusive insurance agencies who may provide you with rate quotes.
- Allstate Insurance: Amy Rossi
901 N Mills Ave – Orlando, FL 32803 – (407) 843-3333 – View Map - Andy Phillips – State Farm Insurance Agent
7608 W Sand Lake Rd – Orlando, FL 32819 – (407) 354-1320 – View Map - Chris Vella – State Farm Insurance Agent
992 N Semoran Blvd – Orlando, FL 32807 – (407) 898-8836 – View Map
Independent Agents
Independent agencies do not sell for just one brand so as a result can place your coverage with many different companies and find you the best rates. To transfer your coverage to a different company, your policy is moved internally which requires no work on your part. If you are trying to find cheaper rates, we recommend you get some free quotes from multiple independent agents in order to have the best price comparison. Many can place coverage with lesser-known insurance companies that can offer cheaper rates than bigger companies.
Listed below is a short list of independent insurance agents in Orlando that can give you price quote information.
- MacLeish Insurance
634 Virginia Dr – Orlando, FL 32803 – (407) 647-8000 – View Map - GreatFlorida Insurance – Don Greene
1300 N Semoran Blvd Suite 180 – Orlando, FL 32807 – (407) 894-6363 – View Map - J Short Insurance Agency
2901 Curry Ford Rd #212 – Orlando, FL 32806 – (407) 849-9000 – View Map
After receiving answers to your satisfaction and inexpensive Hyundai Azera insurance in Orlando quotes, most likely you have located an insurance agency that can be relied on to insure your vehicles.
Three main reasons to buy insurance
Even though Orlando Azera insurance rates can get expensive, buying insurance may not be optional for several reasons.
- Almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability insurance if you don’t want to risk a ticket. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your Hyundai Azera, it’s guaranteed your bank will make it mandatory that you carry insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Hyundai at a much higher premium rate and make you pay a much higher amount than you were paying before.
- Insurance safeguards both your assets and your Hyundai Azera. Insurance will also pay for many types of medical costs incurred in 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 insurance policy will pay to have it repaired.
The benefits of having insurance greatly outweigh the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $750 every year so it’s recommended you shop around at every renewal to be sure current rates are still competitive.
Educate yourself about insurance coverages
Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as theft, fire damage and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Coverage for liability
This coverage provides protection from damage that occurs to people or other property. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
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 values of 10/20/10 that translate to $10,000 in coverage for each person’s injuries, a per accident bodily injury limit of $20,000, and a total limit of $10,000 for damage to vehicles and property.
Liability can pay for claims such as attorney fees, court costs and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford. Florida state law requires minimum liability limits of 10/20/10 but drivers should carry more liability than the minimum.
The illustration below shows why the minimum limit may not be adequate.
Medical costs insurance
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like funeral costs, pain medications and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Collision coverage protection
Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as driving through your garage door, rolling your car, scraping a guard rail, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible on your Azera to get cheaper collision coverage.
UM/UIM Coverage
This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Hyundai Azera.
Due to the fact that many Florida drivers only purchase the least amount of liability that is required (10/20/10 in Florida), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Florida car insurance companies ranked
Selecting the highest-rated insurance company can be difficult considering how many companies there are to choose from in Florida. The ranking information below may help you analyze which car insurance companies to look at when comparing rate quotes.
Top 10 Orlando Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Orlando Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
What is YOUR best insurance company?
While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped liability coverage limits and discovered at claim time that the savings was not a smart move. The aim is to get the best coverage possible at the best cost but still have enough coverage for asset protection.
We covered some good ideas how you can reduce Hyundai Azera insurance premium rates online in Orlando. The key concept to understand is the more price quotes you have, the better your chances of lowering your prices. You may even be surprised to find that the best price on insurance is with a smaller regional carrier. Regional companies may only write in your state and offer lower prices as compared to the big name companies such as GEICO and State Farm.
Additional insurance information can be found on the following sites:
- Determining Auto Insurance Rates (GEICO)
- What Auto Insurance is Cheapest for Teenagers in Orlando? (FAQ)
- Who Has Cheap Orlando Auto Insurance for a Hyundai Elantra? (FAQ)
- Who Has the Cheapest Orlando Car Insurance for 17 Year Olds? (FAQ)
- How Much is Auto Insurance for a Ford Explorer in Orlando? (FAQ)
- Who Has Cheap Car Insurance Rates for Nurses in Orlando? (FAQ)
- Who Has Affordable Car Insurance Quotes for High School Students in Orlando? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)