We don't have to point out that fact that insurance companies don't want customers comparing rates. People who compare other rates will most likely switch to a new company because of the good chance of finding a more affordable policy premium. Surprisingly, a recent survey revealed that consumers who shopped around every year saved an average of $865 a year compared to drivers who never shopped for cheaper rates.
If finding the most affordable auto insurance in Santa Ana is your intention, then having some knowledge of the best ways to shop for cheaper coverage can help simplify the task of finding more affordable coverage.
The easiest way to save on Hyundai Azera insurance in Santa Ana is to begin comparing prices regularly from different companies that sell auto insurance in California.
- It will benefit you to learn about how insurance works and the measures you can control to prevent high rates. Many factors that are responsible for high rates like traffic violations, accidents, and a substandard credit history can be eliminated by making small lifestyle or driving habit changes.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO and State Farm, while independent agencies can provide rate quotes from multiple insurance companies.
- Compare the new rate quotes to your existing coverage and see if you can save money. If you can save money, make sure coverage is continuous and does not lapse.
An important bit of advice to remember is that you use identical coverage information on each quote and and to get price quotes from every company you can. This guarantees a fair price comparison and the most accurate and complete price analysis.
How much is Hyundai Azera insurance in Santa Ana, California?
Just remember that comparing more quotes helps locate lower pricing. Some insurance companies are not set up to provide Santa Ana Azera insurance quotes over the internet, so it's important to also get prices from those companies as well.
The following companies are our best choices to provide price comparisons in California. If multiple companies are shown, it's highly recommended you compare several of them to get the best price comparison.
Rates and data analysis
The coverage table displayed below covers detailed analysis of coverage costs for Hyundai Azera models. Learning as much as possible about how insurance prices are determined is important for drivers to make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $422 | $996 | $596 | $36 | $178 | $2,228 | $186 |
| Azera Limited 4-Dr Sedan | $476 | $996 | $596 | $36 | $178 | $2,282 | $190 |
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in your specific Santa Ana location which can affect coverage prices significantly.
The chart below demonstrates how deductible levels and can change Hyundai Azera premium costs for different age groups. The price estimates are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
How much more does full coverage cost in Santa Ana?
The diagram below shows the difference between Hyundai Azera car insurance rates when comparing full coverage to liability only. The price estimates are based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no policy discounts are applied.
Are you wasting money paying for full coverage?
There is no set rule to eliminate full coverage, but there is a general guideline. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.
For example, let's pretend your Hyundai Azera book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying the physical damage deductible. If premiums are more than $700 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are some cases where removing full coverage is not a good idea. If you haven't satisfied your loan, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
How Car Insurance Companies Determine Hyundai Azera Insurance Prices
Lots of things are taken into consideration when premium rates are determined. Some of the criteria are obvious like an MVR report, but some are not quite as obvious such as your marital status and annual miles driven.
The items below are just a few of the factors utilized by car insurance companies to help set premiums.
Additional coverages that may be costing you - There are a ton of optional add-on coverages that can add up on your Azera policy. Add-on coverages like vanishing deductibles, accident forgiveness, and extra equipment coverage may be wasting your money. These coverages may sound good when talking to your agent, but now you might not need them so get rid of them and save.
Cautious drivers pay better costs - Being a careful driver can have a huge impact on auto insurance premiums. Only having one moving violation can bump up the cost by twenty percent. Good drivers pay lower auto insurance prices compared to drivers with tickets. Drivers who have received flagrant tickets like DWI, reckless driving or hit and run convictions may find they need to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
The chart below illustrates how speeding tickets and at-fault accidents raise Hyundai Azera auto insurance rates for different insured age categories. The prices are based on a single male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
Stay claim-free and save money - Auto insurance companies in California give most affordable rates to drivers who are not frequent claim filers. If you file claims often, you can expect either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
Cars with good safety ratings cost less to insure - Vehicles that have high safety ratings tend to be cheaper to insure. Safe vehicles reduce occupant injuries and fewer serious injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.
Hyundai Azera insurance loss data - Auto insurance companies include the past claim history for a vehicle when setting premium rates. Models that historically have a higher amount or frequency of claims will have a higher premium rate.
The table below illustrates the loss history for Hyundai Azera vehicles. For each type of coverage, the statistical loss for all vehicles, as an average, is equal to 100. Values below 100 imply a favorable loss record, while numbers shown that are more than 100 indicate frequent claims or a tendency for losses to be larger than average.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Azera | 115 | 83 | 101 | 99 | 106 | 91 |
Statistics from IIHS.org for 2013-2015 Model Years
Car insurance just makes sense
Even though it can be expensive, maintaining insurance serves a purpose in several ways.
- Most states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Azera, it's most likely the lender will require you to carry insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may insure your Hyundai at an extremely high rate and force you to reimburse them the higher price.
- Insurance safeguards both your vehicle and your personal assets. It will also reimburse you for medical expenses incurred in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If you have damage to your Hyundai as the result of the weather or an accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your car definitely exceed the price paid, particularly if you ever have a claim. An average driver in America overpays as much as $810 a year so compare quotes from several companies at least once a year to ensure rates are competitive.
Which car insurance company is best in Santa Ana?
Insuring your vehicle with the top car insurance company can be challenging considering how many choices drivers have in Santa Ana. The ranking data listed below could help you select which auto insurers you want to consider when comparing rates.
Top 10 Santa Ana Car Insurance Companies by A.M. Best Rank
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Progressive - A+
- Titan Insurance - A+
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family