Having to pay for pricey car insurance in El Paso can bottom out your savings and put a big crunch on your finances. Comparing price quotes can save money and help to lower your monthly bill.
A recent study showed that 70% of consumers kept their policy with the same company for over three years, and approximately 40% of consumers have never compared rates from other carriers. The average driver in El Paso can cut their rates by roughly 70% a year by just shopping around, but most undervalue the large savings they would see if they switched to a cheaper policy.
You have multiple insurance companies to choose from, and although it’s a good thing to have a selection, it can be more challenging to compare company pricing for Hyundai Azera insurance in El Paso.
You should take the time to do rate comparisons occasionally since insurance prices are constantly changing. Even if you got the best rates on Hyundai Azera insurance in El Paso a couple years back there may be better deals available now. You’ll find quite a bit of inaccurate information about Azera insurance online, but in just a couple of minutes you can learn a bunch of ideas how to put money back in your pocket.
Don’t neglect these nine discounts
Some insurers do not advertise their entire list of discounts very well, so the following list contains both the well known and also the more inconspicuous credits available to you. If they aren’t giving you every credit you qualify for, you are throwing money away.
- Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.
- Smart Student Discounts – Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
- Auto/Life Discount – Not all insurance carriers offer life insurance, but some may give you lower premium rates if you buy auto and life insurance together.
- Accident Forgiveness – This isn’t a discount exactly, but a few companies such as Progressive, Allstate, and Liberty Mutual will let one accident slide without getting socked with a rate hike if your claims history is clear prior to the accident.
- Active Service Discounts – Being on active duty in the military can result in better insurance rates.
- Anti-theft Discount – Cars and trucks that have factory anti-theft systems can help prevent theft and will save you 10% or more on Azera insurance in El Paso.
- Sign Early and Save – A few companies allow discounts for renewing your policy prior to your current Azera insurance policy expiration. This can save 10% or more.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks off the medical payments premium.
- Data Collection Discounts – People who choose to allow their insurance company to study their driving habits remotely like Allstate’s Drivewise could possibly reduce rates as long as the data is positive.
Discounts save money, but please remember that some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, you aren’t that lucky.
The diagram below shows the difference between Hyundai Azera premium costs with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no violations or accidents, Texas state minimum liability limits, full 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, homeowner, safe-driver, multi-car, and multi-policy discounts applied.
Some of the larger companies that may offer policyholders these benefits may include but are not limited to:
It’s a good idea to ask all companies you are considering which discounts you qualify for. Some discounts might not apply in El Paso. If you would like to view providers that offer discounts in El Paso, click here.
It’s important to know that comparing a wide range of rates gives you a better chance of getting the best price. Some companies don’t provide El Paso Azera insurance quotes online, so it’s important to compare prices from them, too.
The auto insurance companies shown below are our best choices to provide price comparisons in El Paso, TX. If multiple providers are shown, we suggest you visit as many as you can in order to find the most competitive rates.
Hyundai Azera insurance coverage information
The premium table displayed below highlights detailed analysis of insurance rates for Hyundai Azera models. Having a good grasp of how insurance premiums are figured is important for you to make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $364 | $858 | $514 | $30 | $154 | $1,920 | $160 |
| Azera Limited 4-Dr Sedan | $410 | $858 | $514 | $30 | $154 | $1,966 | $164 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in specific garaging location which can influence coverage rates noticeably.
Rate comparison for different deductibles
The hardest decision when buying coverage is which deductibles should you choose. The premium rates below can help you visualize the rate difference when you choose different deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $240 | $472 | $382 | $22 | $114 | $1,230 | $103 |
| Azera Limited 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price estimates do not factor in zip code location which can increase or decrease premiums considerably.
Based on these figures, using a $250 deductible costs an average of $16 more each month or $192 for a full year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 16 months between claim filings, you would save money if you decide on a higher deductible.
The example below demonstrates how deductible levels and can change Hyundai Azera insurance premiums for different age groups. The rates are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Bad driving habits will cost you more
The information below shows how violations and at-fault collisions impact Hyundai Azera insurance premiums for different age groups of insureds. The data is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Car insurance premiums based on gender
The chart below visualizes the comparison of Hyundai Azera yearly insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are factored in.
Rate comparison of full coverage and liability-only
The illustration below compares Hyundai Azera annual premium costs with liability coverage only compared to full coverage. The rate quotes are based on no claims or driving citations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
Should you be buying full coverage?
There is no clear-cut rule of when to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s pretend your Hyundai Azera book value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $7,000 after you pay the deductible. If it’s costing you more than $700 annually to have full coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where dropping physical damage coverage is not a good idea. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.
When should I have guidance from a local insurance agent?
Many people prefer to talk to a local agent and we recommend doing that A good thing about comparing rate quotes online is the fact that drivers can get lower rates and also buy local. Supporting local insurance agencies is important particularly in El Paso.
By using this short form, your coverage information is immediately sent to local insurance agents who will gladly provide quotes and help you find cheaper coverage. You won’t need to do any legwork because prices are sent directly to your email. You can find better rates and a licensed agent to talk to. If you need to compare prices from a specific company, just search and find their rate quote page and fill out the quote form the provide.
The following is a short list of auto insurance companies in El Paso that can give you comparison quotes for Hyundai Azera insurance in El Paso.
Allstate Insurance: Oscar Arrieta
1701 Lee Trevino Dr b – El Paso, TX 79936 – (915) 593-1268 – View Map
Paul Rosales – State Farm Insurance Agent
2731 Montana Ave c – El Paso, TX 79903 – (915) 566-3933 – View Map
Home Insurance Agency
1760 Airway Blvd – El Paso, TX 79925 – (915) 771-8552 – View Map
Eric Fierro – State Farm Insurance Agent
2200 N Yarbrough Dr c – El Paso, TX 79925 – (915) 595-3622 – View Map
Picking an provider is decision based upon more than just the bottom line cost. The questions below may impact your decision as well.
- Can they provide you with a list of referrals?
- Will the quote change when the policy is issued?
- Which members of your family are coverage by the policy?
- How long has their agency been open in El Paso?
- Is coverage determined by price?
- Will you get a loaner vehicle if you car is being repaired?
After talking to the agent and getting satisfactory answers in addition to an acceptable price estimate, chances are good that you have found an provider that is a good match to provide car insurance coverage.
Auto insurance just makes sense
Despite the high cost of buying insurance for a Hyundai Azera in El Paso, auto insurance serves an important purpose.
- The majority of states have mandatory liability insurance requirements which means you are required to buy a specific level of liability insurance coverage in order to license the vehicle. 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, most banks will require you to carry insurance to guarantee loan repayment. If the policy lapses, the bank will be required to insure your Hyundai for a much higher rate and require you to reimburse them the higher premium.
- Insurance safeguards your Hyundai and your assets. Insurance will also pay for many types of medical costs for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay attorney fees if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of carrying enough insurance more than cancel out the cost, especially if you ever need it. Today the average American driver is overpaying more than $869 every year so you should quote rates at every renewal to ensure rates are inline.
Auto insurance 101
Having a good grasp of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.
Liability
This will cover damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 30/60/25 that translate to a $30,000 limit per person for injuries, a total of $60,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount without having the split limit caps.
Liability coverage protects against things such as medical expenses, bail bonds, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible. Texas state law requires minimum liability limits of 30/60/25 but drivers should carry higher limits.
The next chart shows why minimum state limits may not be adequate coverage.
Auto collision coverage
This pays for damage to your Azera resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as hitting a mailbox, sustaining damage from a pot hole, rolling your car, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible on your Azera to get cheaper collision coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Hyundai Azera.
Since a lot of drivers only purchase the least amount of liability that is required (30/60/25 in Texas), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.
Comprehensive insurance
This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims such as damage from flooding, hitting a deer and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance reimburse you for bills for things like chiropractic care, surgery and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
Quote often and quote early
As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. Your goal is to buy a smart amount of coverage at the best price and still be able to protect your assets.
In this article, we covered a lot of tips how to reduce Hyundai Azera insurance car insurance rates online in El Paso. The key thing to remember is the more price quotes you have, the better likelihood of getting affordable Hyundai Azera insurance quotes. Drivers may even discover the lowest car insurance rates are with some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.
Steps to buying affordable Hyundai Azera insurance in El Paso
The recommended way to get affordable auto insurance rates in El Paso is to start doing a yearly price comparison from companies who provide auto insurance in Texas. Rates can be compared by completing these steps.
- Spend a few minutes and learn about car insurance and the measures you can control to keep rates in check. Many factors that cause rate increases like distracted driving and a bad credit score can be rectified by making minor changes in your lifestyle.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while independent agents can provide price quotes from many different companies. View insurance agents
- Compare the price quotes to the price on your current policy to see if you can save by switching companies. If you can save some money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
A valuable tip to remember is to try to use similar limits and deductibles on each price quote and and to compare as many car insurance companies as possible. Doing this guarantees a level playing field and the best price selection.
More information
- Distracted Driving (Insurance Information Institute)
- Vehicle Insurance (Wikipedia)
- Auto Insurance FAQ (Farmers Insurance)
- Auto Insurance Basics (Insurance Information Institute)
- Smart Auto Insurance Tips (Insurance Information Institute)