How long has it been since you compared low-cost Hyundai Azera insurance in St. Louis? Finding low-cost insurance for a Hyundai Azera in Missouri can normally be an all-consuming task, but you can learn our car insurance buying tips to save time.
There are more efficient ways to shop for car insurance and we'll show you the proper way to compare rates for your Hyundai and obtain the lowest possible price from both online companies and St. Louis agents.
Smart consumers take time to get comparison quotes periodically because car insurance prices tend to go up over time. If you had the best price on Hyundai Azera insurance in St. Louis a couple years back you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because we're going to show you the fastest and easiest way to lower your annual insurance bill.
If you have coverage now or are shopping for new coverage, use these techniques to find better prices without sacrificing coverage. Comparing rates for the cheapest protection in St. Louis is not that difficult. Vehicle owners just need to learn how to shop using one simple form.
Companies offering Hyundai Azera insurance in Missouri
The companies shown below offer quotes in St. Louis, MO. If several companies are displayed, it's highly recommended you compare several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Azera GLS 4-Dr Sedan||$198||$502||$302||$18||$90||$1,110||$93|
|Azera Limited 4-Dr Sedan||$188||$330||$266||$16||$80||$880||$73|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Table data does not factor in vehicle location which can decrease or increase coverage rates greatly.
Hyundai Azera insurance costs by age and gender
The diagram below compares Hyundai Azera insurance prices for male and female drivers. The price estimates are based on no claims, a clean driving record, full coverage, $100 deductibles, drivers are not married, and no discounts are applied.
Careless drivers pay higher rates
The illustration below illustrates how violations and fender-benders can influence Hyundai Azera yearly insurance costs for different age groups. The data assumes a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
How Your Azera Insurance Premiums are Determined
When buying insurance it's important to understand the factors that help calculate the level of your policy premiums. If you have some idea of what controls the rates you pay, this enables informed choices that may result in lower insurance prices.
The items below are a few of the things used by companies to determine your premiums.
Annual mileage impacts costs - The higher the mileage driven in a year's time the higher your rate. Most insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks that sit idle most of the time qualify for better rates than vehicles that are driven to work every day. Make sure your insurance declarations sheet is showing how each vehicle is driven, because it can save money. An improperly rated Azera can result in significantly higher rates.
Continuous insurance coverage saves money - Not having insurance is not a good idea and as a result your rates will increase for letting your insurance coverage expire. Not only will you pay higher rates, being ticketed for driving with no insurance may earn you a fine, jail time, or a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with the Missouri motor vehicle department.
Liability is critical - Liability insurance will protect you when you are found liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
Does auto insurance cost less for women? - The statistics show that men are more aggressive behind the wheel. However, don't assume that females are better drivers. Men and women are responsible for fender benders in similar percentages, but the men have costlier accidents. Men also tend to get more serious tickets like DUI and reckless driving.
You might want pay the small policy claims yourself - If you are the type of insured that files lots of claims you can look forward to either a policy non-renewal or much higher rates. Insurance companies in Missouri give discounts to insureds who do not file claims often. Your car insurance is intended to be relied upon for the large, substantial claims.
Hyundai Azera claim probability - Insurers use data from past claims to calculate a rate that will offset any claims. Vehicles that have higher prevalence or dollar amount of losses will have increased rates. The table below demonstrates the historical insurance loss data for Hyundai Azera vehicles.
For each policy coverage, the statistical loss for all vehicles, regardless of make or model, is a value of 100. Numbers under 100 imply a favorable loss record, while numbers that are greater than 100 point to more losses or statistically larger claims.
Hyundai Azera Insurance Claim Statistics
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Save a ton by taking advantage of discounts
Companies offering auto insurance don't always list every possible discount in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known discounts you could be receiving when you buy St. Louis auto insurance online. If you do not check that you are getting every discount you deserve, it's possible you qualify for a lower rate.
- Anti-lock Brake Discount - Cars and trucks that have anti-lock braking systems are safer to drive and earn discounts up to 10%.
- One Accident Forgiven - Not necessarily a discount, but some insurance companies will let one accident slide before hitting you with a surcharge as long as you don't have any claims for a set time period.
- Claim Free - Good drivers with no accidents have much lower rates when compared with insureds who have frequent claims or accidents.
- Paperless Signup - A few larger online companies provide a small discount for buying your policy on your computer.
- Telematics Discount - Drivers who elect to allow their company to scrutinize where and when they drive by using a telematic data system like Allstate's Drivewise could save a few bucks if they exhibit good driving behavior.
- Defensive Driver Discounts - Taking time to complete a course in defensive driving is a good idea and can lower rates depending on where you live.
- Driver's Ed - Reduce the cost of insurance for teen drivers by having them enroll and complete driver's education in school or through a local driver safety program.
- New Vehicle Savings - Insuring a vehicle that is new can save up to 30% because newer vehicles are generally safer.
- Full Payment Discount - By paying your policy upfront instead of paying each month you can avoid the installment charge.
As a footnote on discounts, some credits don't apply to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like you could get a free insurance policy, you aren't that lucky.
Larger insurance companies and some of the premium reductions they offer are shown below.
- Farmers Insurance policyholders can earn discounts including bundle discounts, early shopping, homeowner, switch companies, distant student, and pay in full.
- State Farm offers discounts including Steer Clear safe driver discount, defensive driving training, driver's education, anti-theft, accident-free, and safe vehicle.
- Liberty Mutual may offer discounts for safety features, exclusive group savings, multi-car, teen driver discount, new move discount, newly retired, and hybrid vehicle.
- MetLife discounts include multi-policy, defensive driver, good driver, accident-free, and claim-free.
- Progressive may have discounts that include homeowner, good student, online signing, online quote discount, continuous coverage, multi-vehicle, and multi-policy.
When getting a coverage quote, ask every insurance company to give you their best rates. Depending on the company, some discounts might not be available to policyholders in your area.
Compare rate quotes but buy from a local neighborhood St. Louis car insurance agent
A small number of people would rather sit down with an agent and doing so can bring peace of mind Good agents will help you protect your assets and help in the event of a claim. An additional benefit of getting free rate quotes online is you can get the best rates and still choose a local agent. And supporting neighborhood agents is definitely important in St. Louis.
After filling out this quick form, your information is instantly submitted to local insurance agents in St. Louis that give free quotes for your business. You don't have to leave your computer since price quotes are sent to you. In the event you want to get a comparison quote for a specific company, feel free to go to their quote page and give them your coverage information.
What types of car insurance agents are in St. Louis?
When finding a local St. Louis insurance agent, there are two different agency structures that differ in how they can insure your vehicles. Agents may be either independent agents or exclusive agents depending on their employer. Either one can insure your vehicles, but it's worth mentioning the difference in the companies they write for since it can affect the selection process.
Independent Insurance Agents
Independent agencies are normally appointed by many insurers so they have the ability to put coverage amongst many companies and help determine which has the cheapest rates. If your agent finds better pricing, your agent can switch companies which requires no work on your part. If you are trying to find cheaper rates, we recommend you include independent agents to have the most options to choose from. A lot of them also have access to companies that do not advertise much that can offer cheaper rates than bigger companies.
Featured below is a small list of independent insurance agents in St. Louis that can give you comparison quotes.
- Goetz Insurance Agency
4586 Telegraph Rd - St. Louis, MO 63129 - (314) 720-1702 - View Map
- Boschert, David R - Charles L Crane Agency
100 S 4th St # 800 - St. Louis, MO 63102 - (314) 241-8700 - View Map
- Insurance Advisors of Saint Louis
8050 Watson Rd #190 - St. Louis, MO 63119 - (314) 842-0960 - View Map
Exclusive Insurance Agencies
Exclusive insurance agents can usually just insure with one company such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to compare other company's rates so they have to upsell other benefits. They receive a lot of sales training on what they offer and that can be a competitive advantage. Some people will only purchase coverage from exclusives mainly due to the brand rather than having the cheapest rates.
Below are exclusive insurance agencies in St. Louis willing to provide comparison quotes.
- Lacey Mitchell - State Farm Insurance Agent
326 N Euclid Ave #2n - St. Louis, MO 63108 - (314) 899-0633 - View Map
- GEICO Insurance Agent
5516 S Lindbergh Blvd - St. Louis, MO 63123 - (314) 721-2426 - View Map
- Wil Seyer - State Farm Insurance Agent
12122 Tesson Ferry Rd #203 - St. Louis, MO 63128 - (314) 472-7445 - View Map
Deciding on an insurance agent requires more thought than just a cheap price. Ask your prospective agent these questions:
- What are their preferred companies if they are an independent agency?
- Will the agent help in case of a claim?
- How much can you save by raising your physical damage deductibles?
- Does the agency support the community they serve?
- Is their price quote a firm figure or are their hidden costs?
- Do they specialize in personal lines coverage in St. Louis?
- If you are a high risk driver, do they have special markets for your coverage?
- Do they reduce claim amounts on high mileage vehicles?
Upon receiving positive feedback for all questions you ask and an affordable coverage quote, it's possible that you found an insurance agency that is a good match to properly insure your vehicles. But keep in mind policyholders can cancel a policy whenever you wish so don't feel that you're stuck with the insurance policy with no way out.
Slick advertising tricks that work
Missouri drivers can't ignore all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. All the ads convey the message that drivers will save a bundle after switching your car insurance policy to them.
How can each company charge less that you're paying now? Here is how they do it.
Insurance companies have specific guidelines for the type of driver that will add to their bottom line. For example, a profitable risk profile might be described as a married male, is a homeowner, and drives less than 10,000 miles a year. A propective insured who matches those parameters will most likely get cheap rates and most likely will save quite a bit of money when switching.
Drivers who do not fit these standards must pay a more expensive rate which usually ends up with the customer not purchasing. The ads say "drivers who switch" but not "everyone who gets a quote" save money. That's why companies can truthfully make claims like that.
This illustrates why you need to do a quote comparison often. It's not possible to predict the company that will have the lowest rates for your situation.
Tailor your auto insurance coverage to you
When quoting and comparing adequate coverage for your vehicles, there really isn't a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions can aid in determining whether you will benefit from professional help.
- How much liability insurance is required?
- Does medical payments coverage apply to all occupants?
- How can I get the company to pay a claim?
- At what point should I drop full coverage?
- Do I have newly-acquired coverage?
- Can I rate high risk drivers on liability-only vehicles?
- Is my Hyundai Azera covered for flood damage?
- Do I need more liability coverage?
If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don't have a local agent, take a second and complete this form or go to this page to view a list of companies. It's fast, free and can provide invaluable advice.
More effort can pay off
As you quote St. Louis auto insurance, never reduce needed coverages to save money. In many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.
Cheaper car insurance in St. Louis is attainable from both online companies and from local insurance agents, and you should compare rates from both to have the best selection. Some insurance companies don't offer online rate quotes and these smaller companies provide coverage only through independent agents.
- How to Avoid Common Accidents (State Farm)
- What Car Insurance is Cheapest for 19 Year Olds in Missouri? (FAQ)
- Collision Coverage (Liberty Mutual)
- Auto Insurance Basics (Insurance Information Institute)