How many years has it been since you compared lower-priced auto insurance rates in Stockton, CA? Stockton consumers have a choice when looking for low-cost Hyundai Azera insurance. They can either spend hours driving around trying to get quotes or use the internet to make rate comparisons. There are both good and bad ways to shop for auto insurance so you’re going to learn the absolute fastest way to price shop coverage for a new or used Hyundai and find the lowest price either online or from Stockton insurance agents.
It’s smart to do price comparisons at least once a year since insurance prices fluctuate regularly. Even if you got the best rates on Hyundai Azera insurance in Stockton last year you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re going to learn the fastest way to lower your annual insurance bill.
You may qualify for discounts for Hyundai Azera insurance in Stockton
Insurance can cost an arm and a leg, but there could be significant discounts to cut the cost considerably. Certain discounts will be triggered automatically when you purchase, but occasionally some discounts must be inquired about in order for you to get them.
- Homeowners Savings – Being a homeowner can save a few bucks because of the fact that having a home means you have a higher level of financial diligence.
- Membership in Organizations – Participating in qualifying employment or professional organizations could qualify you for a break when getting a Stockton auto insurance quote.
- Multiple Policy Discount – If you combine your home and auto policies with the same company you could earn a discount of up to 20% and get you low cost Hyundai Azera insurance.
- E-sign – A few insurance companies provide a small discount simply for signing on their website.
- Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off with a few car insurance companies.
As a sidenote, most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like you could get a free car insurance policy, it just doesn’t work that way.
The chart below illustrates the comparison of Hyundai Azera auto insurance rates with and without discounts applied to the policy premium. The information is based on a male driver, a clean driving record, no at-fault accidents, California 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 marriage, multi-policy, claim-free, multi-car, safe-driver, and homeowner discounts applied.
A partial list of companies that may offer quotes with many of the previously listed discounts may include but are not limited to:
If you need lower rates, check with every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies in Stockton. If you would like to see a list of companies that can offer you the previously mentioned discounts in Stockton, click here to view.
The auto insurance companies shown below are ready to provide free quotes in Stockton, CA. If more than one company is shown, we recommend you compare several of them in order to get a fair rate comparison.
Hyundai Azera coverage analysis
The data table displayed next showcases estimates of insurance policy prices for Hyundai Azera models. Learning a little about how auto insurance premiums are figured helps drivers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $326 | $834 | $500 | $30 | $150 | $1,840 | $153 |
| Azera Limited 4-Dr Sedan | $370 | $834 | $500 | $30 | $150 | $1,884 | $157 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific location which can raise or lower price quotes substantially.
Can higher deductibles save money?
One frequently asked question is which deductibles should you choose. The following tables lay out the premium difference when you buy lower versus higher coverage deductibles. The first data set uses a $100 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Azera Limited 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Azera Limited 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in zip code location which can increase or decrease insurance rates greatly.
Based on this data, using a $100 deductible costs an average of $49 more each month or $588 every year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 18 months between claims, you would more than likely save some money by going with a higher deductible. Below is how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $153 |
| Average monthly premium for $1,000 deductibles (subtract): | – $104 |
| Monthly savings from raising deductible: | $49 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $49 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
One big caveat is that raising deductibles to save money results in having to pay to pay more out-of-pocket when you have a physical damage claim. You must have enough disposable savings in the event you need to pay more to get your vehicle repaired.
The information below demonstrates how deductibles and can raise or lower Hyundai Azera premium costs for each different age category. The premiums are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Careless driving habits raise auto insurance rates
The information below shows how violations and accidents can raise Hyundai Azera insurance rates for different categories of driver ages. The premium estimates are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Informed Drivers Save Money
An important part of buying insurance is that you know the different types of things that come into play when calculating the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that can earn you lower rates.
Listed below are a few of the things used by your company to calculate your prices.
- Too many insurance claims drive up prices – If you file claims often, you shouldn’t be surprised to get higher premiums or even policy non-renewal. Auto insurance companies in California generally give cheaper rates to drivers who do not file claims often. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
- Single drivers take more risk – Having a spouse may cut your premiums on your policy. It translates into being more mature and it’s proven that drivers who are married file infrequent claims.
- Cheaper rates by bundling – Some companies provide better rates to customers who carry more than one policy in the form of a multi-policy discount. Discounts can be 10 percent or more. Even if you qualify for this discount already, drivers will still want to shop around to verify if the discount is saving money. You may still be able to find lower rates by buying auto insurance from a different company.
- Poor credit score equals high costs – Having a bad credit score can be a huge factor in determining what you pay for auto insurance. People with very good credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. If your credit could use some work, you may save money insuring your Hyundai Azera by improving your credit score.
- Car insurance liability insurance limits – Your auto insurance policy’s liability coverage is the coverage that protects you in the event that you are determined to be liable for physical damage or personal injury to other. Liability insurance provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
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Does auto insurance cost more for men? – The statistics show that women are safer drivers than men. The data does not necessarily mean that women are BETTER drivers than men. Both genders tend to get into fender benders at a similar rate, but guys have costlier accidents. In addition to higher claims, males also get ticketed for serious violations like DWI (DUI) or reckless driving.
The example below illustrates the comparison of Hyundai Azera insurance costs for male and female drivers. The premiums are based on no claims or driving citations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are applied.
- Allowing your coverage to lapse raises auto insurance rates – Having a gap between insurance policy dates will be a guaranteed way to increase your renewal premiums. Not only will you pay more, not being able to provide proof of insurance will get you a fine, jail time, or a revoked license.
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Type of car determines base rates – The type of vehicle you are insuring makes a significant difference in how high your rates are. The lowest rates tend to be for lower cost passenger cars, but many other things help determine your insurance rates.
The data below uses these assumptions: single female driver age 50, full coverage with $100 deductibles, and no discounts or violations. The chart compares Hyundai Azera rates compared to other models of vehicles that have a range of performance rating factors.
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Hyundai Azera claim data – Car insurance companies take into consideration insurance loss statistics for every vehicle to calculate a price that will offset losses. Models that the statistics show to have increased claim numbers or amounts will have increased rates. The table below illustrates the historical insurance loss data for Hyundai Azera vehicles.
For each policy coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is a value of 100. Percentages below 100 suggest a positive loss record, while percentage values above 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.
Hyundai Azera Insurance Claim Statistics Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Hyundai Azera 115 83 101 99 106 91 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Local Stockton auto insurance agents and insurance
Many people prefer to buy from a licensed agent and that is OK! Most agents can point out coverage gaps and help submit paperwork. One of the great benefits of comparing insurance online is that you can find lower rates and still have a local agent.
For easy comparison, once you complete this form (opens in new window), the quote information is sent to local insurance agents in Stockton that give free quotes to get your business. You don’t have to find an agent as quotes are delivered to you directly. If you wish to quote rates for a specific company, you would need to find their quoting web page and complete a quote there.
Deciding on a company needs to be determined by more than just the premium amount. Here are some questions you should ask.
- Are they able to influence company decisions when a claim is filed?
- How much will you save each year by using a higher deductible?
- Will the quote change when the policy is issued?
- Which companies can they place coverage with?
- Are they actively involved in the community?
- Do they assist clients in filing claims?
Multiple types of auto insurance agents in Stockton
If you are wanting to find a reliable insurance agency, there are a couple of types of insurance agents and how they can quote your rates. Agencies in Stockton can be described as either independent or exclusive depending on the company they work for. Either one can insure your vehicles, but we need to point out how they are different since it may influence the type of agent you choose.
Exclusive Insurance Agents
Exclusive agencies can only quote rates from one company and examples are State Farm, Allstate and AAA. They are unable to compare other company’s rates so they are skilled at selling on more than just price. They are usually well trained on their products and sales techniques which can be an advantage. Many people use the same exclusive agent primarily because of the prominence of the brand rather than having the cheapest rates.
Shown below are exclusive insurance agents in Stockton who can help you get price quotes.
- Allstate Insurance Agent: Myles B. Harris Jr.
8807 Thornton Rd, # D1 – Stockton, CA 95209 – (209) 472-8585 – View Map - Farmers Insurance – Jason Ramey
5250 Claremont Ave #138 – Stockton, CA 95207 – (209) 472-6080 – View Map - Farmers Insurance: Linda Uribe
2120 Pacific Ave – Stockton, CA 95204 – (209) 944-9400 – View Map
Independent Agents (or Brokers)
These agents are not employed by any specific company so they can quote policies with any number of different companies and get the cheapest rates. If premiums increase, your agent can switch companies and you can keep the same agent.
If you are trying to find cheaper rates, you need to contact a few independent agents in order to compare the most rates. Most can insure with companies you’ve never heard of who may have lower rates.
Below is a short list of independent insurance agents in Stockton that can give you price quotes.
- Big Savings Insurance Agency, Inc
7153 Pacific Ave – Stockton, CA 95207 – (209) 956-2000 – View Map - Travaille Insurance: Travaille Amy
6735 Herndon Pl # A – Stockton, CA 95219 – (209) 473-1777 – View Map - Dohrmann Insurance Agency, Inc.
3415 Brookside Rd – Stockton, CA 95219 – (209) 478-1400 – View Map
After receiving good responses to any questions you have and an acceptable price quote, you may have found an insurance agent that is professional and can adequately provide insurance.
Why car insurance is not optional
Despite the potentially high cost of Hyundai Azera insurance, car insurance is required by state law in California and it also provides benefits you may not be aware of.
- Just about all states have minimum liability requirements which means you are required to buy a specific level of liability protection in order to license the vehicle. 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 vehicle, most lenders will have a requirement that you have full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender may insure your Hyundai at a much higher rate and require you to fork over the higher price.
- Car insurance protects both your assets and your vehicle. It will also cover hospital and medical expenses incurred in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are sued as the result of your driving. If you have damage to your Hyundai as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying car insurance are definitely more than the cost, especially with large liability claims. As of last year, the average driver in California is overpaying over $869 every year so you should quote rates each time the policy renews to ensure rates are inline.
How to find a good California car insurance company
Insuring your vehicle with the right company is difficult considering how many companies sell coverage in California. The company rank data in the next section could help you select which auto insurance companies you want to consider when comparing rates.
Top 10 Stockton Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
More effort can pay off
We covered many tips how you can compare Hyundai Azera insurance prices in Stockton. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the best prices are with the least-expected company.
There are still a few companies who may not provide the ability to get a quote online and usually these smaller companies provide coverage only through independent insurance agencies. Budget-conscious Hyundai Azera insurance can be found from both online companies in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money.
Consumers leave their current company for a variety of reasons including lack of trust in their agent, denial of a claim, not issuing a premium refund or even high rates after DUI convictions. Regardless of your reason for switching companies, finding a new insurance company can be pretty painless.
Steps to finding discount Hyundai Azera insurance in Stockton
Really, the only way to get cheaper car insurance rates is to start doing an annual price comparison from insurers who sell auto insurance in Stockton. Price quotes can be compared by following these guidelines.
- Step 1: Try to learn a little about car insurance and the things you can change to drop your rates. Many policy risk factors that result in higher prices such as high-risk driving behaviors and poor credit history can be improved by making minor driving habit or lifestyle changes.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like Progressive and State Farm, while independent agents can quote rates from multiple sources.
- Step 3: Compare the new quotes to your existing coverage to determine if switching companies saves money. If you find better rates and decide to switch, ensure there is no coverage lapse between policies.
- Step 4: Notify your agent or company of your intent to cancel the current policy. Submit a down payment along with a completed application for your new policy. Be sure to keep your new certificate verifying coverage in an accessible location in your vehicle.
An important part of this process is to try to use the same physical damage deductibles and liability limits on each price quote and and to look at as many companies as feasibly possible. Doing this guarantees a fair rate comparison and the most accurate and complete price analysis.
More information is located at these links:
- Insurance Losses by Make and Model (iihs.org)
- Who Has Affordable Stockton Car Insurance Quotes for a Honda Accord? (FAQ)
- Safety Features for Your New Car (State Farm)
- Help Your Teen Be a Better Driver (State Farm)
- Safe Vehicles for Teens (iihs.org)