Do you need a better way to compare more affordable Hyundai Azera insurance in Columbus? When shopping for lower-priced insurance, are you overwhelmed by the sheer number of auto insurance companies available to you? People have so many companies available that it can easily become a big hassle to find lower rates on Hyundai Azera insurance. If you live there, you know that Columbus is the perfect city to reside in, but high auto insurance prices can make it difficult for lots of drivers to afford.
Amazingly, almost 70% of drivers have bought auto insurance from the same company for more than four years, and nearly half have never quoted rates to find cheaper coverage. With the average auto insurance premium being $1,300, Ohio drivers could save themselves $700 a year by just comparing quotes, but they underestimate the amount of savings they would get if they switch to a new company.
It’s a great practice to do rate comparisons periodically because auto insurance prices change regularly. Despite the fact that you may have had the best quotes on Hyundai Azera insurance in Columbus last year you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re going to learn the proper way to lower your annual insurance bill.
Just keep in mind that more quotes helps increase your odds of locating lower pricing.
The providers in the list below are ready to provide free quotes in Ohio. If multiple providers are shown, we recommend you click on several of them to find the lowest auto insurance rates.
Three good reasons to insure your Hyundai Azera
Despite the fact that insurance is not cheap in Columbus, maintaining insurance is required by state law in Ohio and it also provides benefits you may not be aware of.
- Most states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability in order to be legal. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Hyundai Azera, it’s guaranteed your bank will force you to have full coverage to guarantee payment of the loan. If you let the policy lapse, the bank or lender will purchase a policy for your Hyundai at a much higher rate and require you to reimburse them much more than you were paying before.
- Insurance preserves not only your Hyundai but also your financial assets. It also can pay for most medical and hospital costs incurred in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to repair the damage.
The benefits of carrying enough insurance more than cancel out the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is wasting up to $700 annually so compare rate quotes each time the policy renews to save money.
Coverage statistics and figures
The table below highlights estimates of insurance coverage prices for Hyundai Azera models. Being more informed about how insurance premiums are determined is important for making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $108 | $220 | $226 | $14 | $68 | $636 | $53 |
| Azera Limited 4-Dr Sedan | $122 | $220 | $226 | $14 | $68 | $650 | $54 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in vehicle garaging location which can lower or raise price quotes considerably.
Deductible analysis
One of the hardest decisions when shopping for auto insurance is how high should the physical damage deductibles be. The comparison tables below determine the cost difference when you buy lower versus higher physical damage deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $196 | $416 | $226 | $14 | $68 | $945 | $79 |
| Azera Limited 4-Dr Sedan | $220 | $416 | $226 | $14 | $68 | $969 | $81 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $142 | $280 | $226 | $14 | $68 | $730 | $61 |
| Azera Limited 4-Dr Sedan | $160 | $280 | $226 | $14 | $68 | $748 | $62 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Table data does not factor in Columbus location which can alter coverage prices noticeably.
Based on the above data, using a $100 deductible costs approximately $18 more each month or $216 each year than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 22 months between claim filings, you would probably come out ahead by going with a higher deductible.
Safe drivers pay less for auto insurance
The example below demonstrates how speeding tickets and at-fault collisions can increase Hyundai Azera premium costs for different age groups. The prices are based on a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
Hyundai Azera liability-only versus full coverage
The diagram below shows the difference between Hyundai Azera annual premium costs when comparing full coverage to state minimum liability only. The premiums assume no claims or driving citations, $250 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There is no exact rule that works best for making the decision to drop full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s say your Hyundai Azera settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after you pay the deductible. If you are paying in excess of $200 a year for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some situations where only buying liability is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage in place.
Lower rate quotes on Hyundai Azera insurance in Columbus with these car insurance discounts
Car insurance can be pricey, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be requested specifically before you get the savings.
- Club Memberships – Affiliation with a qualifying organization is a simple method to lower premiums when getting a Columbus car insurance quote.
- Columbus Homeowners Discount – Just being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
- Discounts for Responsible Drivers – Drivers who avoid accidents may receive a discount up to 45% than less cautious drivers.
- Include Life Insurance and Save – Select insurance companies reward you with better rates if you take out some life insurance in addition to your auto policy.
- Student Discount for Driver Training – Teen drivers should enroll and complete driver’s education in school or through a local driver safety program.
- Distant College Student Discount – Any of your kids living away from Columbus attending college and leave their car at home can receive lower rates.
- Fewer Miles Equal More Savings – Maintaining low annual mileage can earn cheaper prices.
Remember that some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. So even though you would think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The diagram below illustrates the difference between Hyundai Azera car insurance rates with and without discounts being applied to the rates. The price estimates are based on a female driver, no accidents, no driving violations, Ohio 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 multi-policy, multi-car, claim-free, safe-driver, homeowner, and marriage discounts applied.
Larger car insurance companies and the discounts they provide are included below.
- State Farm includes discounts for anti-theft, driver’s education, Steer Clear safe driver discount, good driver, good student, multiple policy, and multiple autos.
- Nationwide may include discounts for accident-free, easy pay, defensive driving, multi-policy, and family plan.
- GEICO has discounts for anti-theft, good student, defensive driver, seat belt use, and driver training.
- AAA may have discounts that include pay-in-full, multi-car, good student, multi-policy, and education and occupation.
- 21st Century policyholders can earn discounts including good student, teen driver, homeowners, automatic seat belts, and anti-lock brakes.
- The Hartford may offer discounts for vehicle fuel type, air bag, anti-theft, driver training, and bundle.
If you need low cost Columbus car insurance quotes, ask all companies you are considering which discounts you qualify for. All car insurance discounts may not be offered in Columbus. For a list of car insurance companies that offer the discounts shown above in Ohio, click here to view.
Auto insurance quotes from local neighborhood Columbus car insurance agents
Some consumers prefer to get advice from a local agent and doing so can bring peace of mind The biggest benefit of comparing rates online is that drivers can save money and get cheap auto insurance rates and also buy local. Buying insurance from local insurance agents is important particularly in Columbus.
Upon completion of this short form, the coverage information is instantly submitted to insurance agents in Columbus that can provide free Columbus car insurance quotes to get your business. There is no reason to search for an agent since price quotes are sent to you. You can find the lowest rates without a big time investment. If you need to quote rates for a specific company, just jump over to their website and fill out the quote form the provide.
Choose an insurance agent wisely
When searching for a local agent, it can be helpful to understand the types of insurance agents and how they are distinctly different. Columbus agents can be classified as either independent or exclusive.
Independent Auto Insurance Agents (or Brokers)
Independent insurance agents are appointed with more than one company and that enables them to quote your coverage through lots of different companies and find the cheapest rate. If your premiums go up, they simply move your policy to a different company without you having to go to a different agency. If you need lower rates, you will definitely want to include rate quotes from several independent agencies so that you have a good selection of quotes to compare. A lot of them also have access to companies you’ve never heard of that may have much lower rates than larger companies.
Below is a short list of independent agencies in Columbus that can possibly get you free auto insurance quotes.
- Ansong Insurance Agency
5272 Cleveland Ave – Columbus, OH 43231 – (614) 259-3635 – View Map - Nationwide Insurance – Nick Miller and Assoc Ins Agency Inc
6834 Caine Rd – Columbus, OH 43235 – (614) 889-0701 – View Map - Nationwide Insurance: Robert L Smith
4942 Reed Rd – Columbus, OH 43220 – (614) 451-2232 – View Map
Exclusive Insurance Agencies
These type of agents can usually just insure with one company such as Allstate and State Farm. Exclusive agencies are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are usually well trained in insurance sales which helps offset the inability to provide other markets. Consumers often use the same exclusive agent partially due to the prominence of the brand rather than having low rates.
Listed below is a list of exclusive agents in Columbus willing to provide comparison quotes.
- Howard Tyler – State Farm Insurance Agent
1395 E Dublin Granville Rd #201 – Columbus, OH 43229 – (614) 431-8192 – View Map - Meghan Humphreys – State Farm Insurance Agent
3468 N High St a – Columbus, OH 43214 – (614) 754-9855 – View Map - Gary Snowden – State Farm Insurance Agent
1369 Georgesville Rd – Columbus, OH 43228 – (614) 272-2300 – View Map
Choosing an car insurance agent shouldn’t rely on just the premium amount. The questions below may impact your decision as well.
- What are their preferred companies if they are an independent agency?
- How often do they review coverages?
- Does their agency support local causes in Columbus?
- Which family members are covered?
- Does the company use OEM repair parts?
Once you have received good responses to all your questions as well as low cost Hyundai Azera insurance quotes, it’s a good possibility that you have found a car insurance agent that is a good match to provide auto insurance coverage. Keep in mind you can cancel a policy whenever you choose to so never feel that you are obligated to a specific agent for a certain time period.
Affordable car insurance is out there
You just read many tips how you can get a better price on Hyundai Azera insurance in Columbus. It’s most important to understand that the more you quote Columbus car insurance, the better likelihood of getting cheaper Columbus car insurance quotes. You may even discover the best auto insurance rates are with a small mutual company.
Insureds leave their current company for a variety of reasons including an unsatisfactory settlement offer, unfair underwriting practices, policy cancellation or delays in responding to claim requests. It doesn’t matter why you want to switch switching companies can be easier than you think.
Low-cost Hyundai Azera insurance in Columbus is attainable on the web as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies do not offer rates over the internet and most of the time these regional carriers prefer to sell through independent agencies.
Steps to buying cheaper Hyundai Azera insurance in Columbus
The recommended way to get more affordable auto insurance rates in Columbus is to start doing an annual price comparison from providers in Ohio. Rate comparisons can be done by following these steps.
Step 1: Try to comprehend what coverages are included in your policy and the steps you can take to prevent expensive coverage. Many risk factors that result in higher prices such as at-fault accidents and an imperfect credit rating can be eliminated by improving your driving habits or financial responsibility.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while independent agents can provide price quotes from many different companies.
Step 3: Compare the price quotes to the premium of your current policy and see if you can save money. If you can save some money and make a switch, verify that coverage does not lapse between policies.
An important part of this process is to make sure you enter the same liability limits and deductibles on every quote and and to get prices from every insurance company. Doing this enables a level playing field and a complete selection of prices.
More tips and info about car insurance can be found by following these links:
- Understanding Rental Car Insurance (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Drivers Under 21 in Columbus? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)