Do you need a better way to compare the cheapest Hyundai Azera insurance in Columbia? Trying to come up with a payment for overpriced insurance can diminish your checking account and force you to tighten up your finances. Shopping your coverage around can be a smart way to cut your insurance bill.

Discount Hyundai Azera insuranceA recent study revealed that nearly 70% of customers kept their coverage with the same insurance company for at least four years, and just under half have never compared rates with other companies. South Carolina insurance shoppers could save approximately $749 each year by just shopping around, but they feel it's too difficult to find cheap rates by getting comparison quotes. Multiple insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the definite lowest rate on Hyundai Azera insurance in Columbia.

Take advantage of these price cutting discounts

Not many people think insurance is cheap, but you might already qualify for some discounts that can help lower your rates. Certain discounts will be applied at the time of purchase, but occasionally some discounts must be asked about before you will receive the discount.

Discounts save money, but please remember that many deductions do not apply to the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, insurance companies wouldn't stay in business.

A list of companies and a summarized list of policyholder discounts include:

Double check with every prospective company the best way to save money. Some credits might not be offered on policies in Columbia. To see car insurance companies that provide some of the discounts listed above in South Carolina, follow this link.

Getting low cost Hyundai Azera car insurance pricing doesn't have to be difficult. Drivers just need to spend a little time to compare rate quotes from some recommended companies.

Online shopping is fast and free, and it makes it obsolete to spend your day driving to and from local Columbia insurance agencies. The ability to get quotes online eliminates this option unless you want the peace of mind of an agent trained in personal lines coverage. It is possible to get prices online but buy the policy through an agent.

The providers in the list below have been selected to offer quotes in South Carolina. If the list has multiple companies, we suggest you visit as many as you can to find the cheapest auto insurance rates.

Hyundai Azera Insurance Rates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $282 $706 $444 $26 $132 $1,590 $133
Azera Limited 4-Dr Sedan $180 $378 $412 $24 $124 $1,118 $93
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific garaging location which can influence coverage prices considerably.

Higher deductibles lower rates

One of the more difficult decisions when buying auto insurance is how high should the physical damage deductibles be. The premium rates below highlight the rate differences when you buy lower versus higher comp and collision deductibles. The first data set uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Hyundai Azera insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $294 $624 $342 $20 $102 $1,407 $117
Azera Limited 4-Dr Sedan $332 $624 $342 $20 $102 $1,445 $120
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Hyundai Azera insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $162 $330 $342 $20 $102 $956 $80
Azera Limited 4-Dr Sedan $184 $330 $342 $20 $102 $978 $82
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in your specific Columbia location which can modify prices substantially.

Based on the data above, we can derive that using a $100 deductible would cost the average driver about $38 more each month or $456 for a full year than choosing the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 24 months between claims, you would save more money by going with a higher deductible. Here is a better example of how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $119
Average monthly premium for $1,000 deductibles (subtract): - $81
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

An important sidenote is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you have to file a claim. It will be required that you have a higher level of savings in the event you need to pay the deductible to have repairs made.

Full coverage rates vs. liability-only in Columbia

The diagram below shows the difference between Hyundai Azera car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in South Carolina. The costs are based on no violations or claims, $250 deductibles, married male driver, and no discounts are applied to the premium.

Guidelines for dropping full coverage

There is no written rule to eliminate full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let's assume your Hyundai Azera settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $3,000 after the policy deductible has been paid. If you are paying over $300 annually to have full coverage, then you might consider buying liability only.

There are some conditions where eliminating full coverage is not financially feasible. If you haven't paid off your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Bad driving habits will cost you more

The example below shows how violations and at-fault claims influence Hyundai Azera insurance costs for each age group. The data is based on a single female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

The Hyundai Azera Insurance Rate Equation

Part of the insurance buying process is learning a few of the rating criteria that come into play when calculating the price you pay for insurance. If you understand what determines base rates, this helps enable you to make changes that may reward you with big savings.

Shown below are just a few of the factors used by your company to calculate your rate level.

You are unique and your auto insurance should be too

When quoting and choosing your policy for your personal vehicles, there really is no cookie cutter policy. Each situation is unique so your insurance needs to address that. For instance, these questions may help highlight whether you would benefit from an agent's advice.

If you can't answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Exclusive versus independent insurance agencies

Many people prefer to visit with an insurance agent and doing so can bring peace of mind Good agents can answer important questions and help file insurance claims. The biggest benefit of getting online price quotes is the fact that you can find cheap insurance rates but still work with a licensed agent.

Insurance agency in ColumbiaTo help locate an agent, after submitting this quick form, your insurance coverage information is immediately sent to participating agents in Columbia who will give you bids for your coverage. There is no reason to leave your house since price quotes are sent instantly to you. If you wish to get a rate quote from a specific company, you just need to jump over to their website and fill out the quote form the provide.

Picking an insurer is decision based upon more than just a cheap price. These are some questions you should get answers to.

Pick the best auto insurance agent in Columbia for you

If you prefer to buy insurance from a reputable agency, you should know the types of agencies and how they differ in how they quote coverages. Agents can be classified as either exclusive agents or independent agents. Both properly insure your vehicles, but it's important to point out the subtle differences because it can impact which type of agent you select.

Exclusive Agents

These type of agents have only one company to place business with such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot place coverage with different providers so you might not find the best rates. These agents are well trained on their products and sales techniques and that can be a competitive advantage.

Listed below is a short list of exclusive agencies in Columbia that are able to give price quote information.

3206 Millwood Ave - Columbia, SC 29205 - (803) 212-7000 - View Map

10201 Two Notch Rd - Columbia, SC 29229 - (803) 788-2884 - View Map

1700 Decker Blvd d - Columbia, SC 29206 - (803) 782-1104 - View Map

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Independent Agents (or Brokers)

Agents in the independent channel do not write with just one company so as a result can place your coverage through many companies and find you the best rates. To transfer your coverage to a different company, they can switch companies in-house which requires no work on your part.

If you are comparing rate quotes, you definitely need to include at least one independent agent for the best price selection.

Shown below is a short list of independent insurance agents in Columbia willing to provide price quote information.

1617 Broad River Rd - Columbia, SC 29210 - (803) 772-6688 - View Map

776 St Andrews Rd - Columbia, SC 29210 - (803) 772-6969 - View Map

1700 Laurel St - Columbia, SC 29201 - (803) 799-9979 - View Map

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Choosing Azera insurance is an important decision

Despite the high cost of buying insurance for a Hyundai Azera in Columbia, buying auto insurance serves several important purposes.

The benefits of buying enough insurance more than offset the price you pay, especially if you ever need it. On average, a vehicle owner in Columbia overpays more than $820 a year so it's very important to do a rate comparison at least once a year to make sure the price is not too high.

Auto insurance savings summarized

When you buy Columbia car insurance online, do not buy poor coverage just to save money. In many cases, an insured dropped liability limits or collision coverage only to regret that the savings was not a smart move. Your goal is to get the best coverage possible at an affordable rate while still protecting your assets.

Budget-conscious Hyundai Azera insurance can be purchased on the web as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not have rate quotes online and these regional carriers only sell through independent insurance agencies.

More tips and info about auto insurance is available at these sites: