The best way we recommend to find more affordable Hyundai Azera insurance in Oakland is to start comparing prices regularly from providers in California.
Step 1: Learn about how companies price auto insurance and the factors you can control to prevent high rates. Many things that increase rates like accidents, careless driving, and poor credit history can be improved by making minor changes in your lifestyle.
Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Allstate, while agents who are independent can quote rates for a wide range of insurance providers. View prices
Step 3: Compare the new rate quotes to your current policy to see if you can save by switching companies. If you find a lower rate and change companies, verify that coverage does not lapse between policies.
A good tip to remember is to make sure you enter identical coverages on each quote request and and to look at as many carriers as you can. Doing this enables a fair price comparison and a thorough selection of prices.
Unbelievable but true, nearly 70% of consumers kept their policy with the same company for over three years, and virtually 40% of consumers have never compared rates to find cheaper insurance. American insurance shoppers could save themselves 47% a year by just comparing quotes, but they just don’t understand how much money they would save if they switched to a cheaper policy.
Finding affordable coverage in Oakland is quite easy. If you have a policy now or are just looking to switch companies, you can follow these tips to save money and still have adequate protection. Drivers only need an understanding of how to compare rate quotes over the internet.
Best Hyundai Azera insurance rate quotes in California
The companies shown below provide free quotes in Oakland, CA. To find cheap auto insurance in CA, we recommend you visit as many as you can to get the cheapest price.
Rates and statistics
The price information shown next covers detailed analysis of insurance coverage prices for Hyundai Azera models. Understanding how rates are figured can help you make decisions when choosing a new policy provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Azera GLS 4-Dr Sedan||$294||$664||$464||$28||$138||$1,588||$132|
|Azera Limited 4-Dr Sedan||$332||$664||$464||$28||$138||$1,626||$136|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in garaging location in Oakland which can decrease or increase premium rates greatly.
Should you buy full coverage?
The chart below shows the difference between Hyundai Azera auto insurance rates with full physical damage coverage compared to only buying liability only. Data assumes no violations or accidents, $500 deductibles, drivers are not married, and no additional discounts are factored in.
When to stop paying for full coverage
There is no exact rule for dropping full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s assume your Hyundai Azera claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $5,000 after paying your policy deductible. If it’s costing you more than $500 annually for physical damage coverage, then it might be time to consider dropping full coverage.
There are some scenarios where dropping physical damage coverage is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.
Do you qualify for discounts on Hyundai Azera insurance in Oakland?
Auto insurance is easily one of your largest bills, but you may find discounts that many consumers don’t even know exist. Some trigger automatically at quote time, but some discounts are required to be manually applied before being credited.
- College Student – Any of your kids who attend college more than 100 miles from Oakland and won’t have access to an insured vehicle can receive lower rates.
- Include Life Insurance and Save – Insurance carriers who offer life insurance give better rates if you take out auto and life insurance together.
- Save with More Vehicles Insured – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
- Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts could save 15% off PIP or medical payments premium.
- Discount for Multiple Policies – When you have multiple policies and insure them with the same company they may give you a discount of up to 20% and get you cheap Azera insurance.
- Defensive Driver – Completing a course teaching defensive driving skills may get you a small discount and also improve your driving technique.
- Own a Home and Save – Owning your own home or condo can get you a discount since owning and maintaining a home demonstrates responsibility.
- Anti-lock Brake System – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more on Azera insurance in Oakland.
- Driver Education Discount – Require your teen driver to complete a driver education course in school.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.
The chart below illustrates the difference between Hyundai Azera insurance rates with and without policy discounts. The information is based on a female driver, no accidents or driving violations, California 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 homeowner, claim-free, safe-driver, multi-policy, marriage, and multi-car discounts applied.
Companies and a selection of discounts are:
- State Farm may include discounts for student away at school, driver’s education, safe vehicle, passive restraint, Drive Safe & Save, and good driver.
- GEICO policyholders can earn discounts including anti-theft, daytime running lights, air bags, driver training, and five-year accident-free.
- SAFECO may have discounts that include multi-car, drive less, teen safe driver, teen safety rewards, anti-lock brakes, and homeowner.
- Farmers Insurance discounts include electronic funds transfer, switch companies, pay in full, multi-car, early shopping, teen driver, and mature driver.
- AAA offers discounts including good student, education and occupation, multi-policy, multi-car, and good driver.
- USAA offers premium reductions for driver training, safe driver, new vehicle, annual mileage, family discount, and multi-policy.
It’s a good idea to ask all the companies which discounts they offer. Some credits may not apply to policies in every state.
Why You Might Pay Increased Rates in Oakland
Many factors are part of the equation when quoting car insurance. A few of the factors are predictable such as traffic violations, but others are less obvious such as your credit history and annual miles driven.
The following are some of the most common factors used by your company to calculate rates.
Do you really need roadside assistance? – There are a ton of add-on coverages you can purchase on your car insurance policy. Coverages for roadside assistance, high-cost glass coverage, and additional equipment coverage may be wasting your money. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past remove them and pocket the money.
Insurance costs and driver gender – Over the last 30 years, statistics show females are less aggressive when driving. The data does not necessarily mean that women are BETTER drivers than men. Females and males get in accidents in similar percentages, but the men tend to have more serious accidents. Men also receive more costly citations like DWI (DUI) or reckless driving. Male teenagers are the most expensive to insure and therefore are the most expensive to insure.
The chart below compares Hyundai Azera yearly insurance costs for male and female drivers. The premium estimates are based on no claims or driving violations, comp and collision included, $100 deductibles, single marital status, and no discounts are applied to the premium.
Insurance rates and vehicle performance – The type of car you need to insure makes a substantial difference in how high your rates are. The lowest base rates are usually found on low performance passenger vehicles, but many other things help determine your insurance rates.
The following chart uses these variables: single female driver age 40, full coverage with $250 deductibles, and no discounts or violations. It shows Hyundai Azera rates compared to other vehicles that have different performances.
Can a thief steal your car? – Choosing a vehicle that has a built-in theft deterrent system can help lower your premiums. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
Claims statistics for a Hyundai Azera – Insurers include the past claim history for a vehicle when setting rates for each model. Vehicles that the data shows to have a trend towards higher claim severity or frequency will have increased rates.
The table below illustrates the actual insurance loss data for Hyundai Azera vehicles. For each type of coverage, the loss probability for all vehicles, without regard to make or model, is equal to 100. Numbers below 100 suggest losses that are better than average, while numbers above 100 indicate more frequent claims or tendency to have higher losses.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance is available from local insurance agents
Many drivers still prefer to visit with an insurance agent and we recommend doing that Professional insurance agents can help you choose the best coverages and help in the event of a claim. A good thing about getting online price quotes is that you can find lower prices and still choose a local agent.
Upon completion of this quick form, the quote information is sent to local insurance agents that can give you free Oakland auto insurance quotes for your business. You won’t even need to contact any insurance agencies because quoted prices will be sent immediately to your email address. If you have a need to get a comparison quote from a specific car insurance provider, you would need to navigate to their website and submit a quote form there.
Picking the best provider requires you to look at more than just a cheap price quote. Here are some questions you might want to ask.
- Does the agent recommend any additional coverage?
- Does the agent have a valid license to sell insurance in California?
- Will they take your side in the event of a claim?
- Is auto insurance their primary focus in Oakland?
- How much experience to they have in personal lines coverages?
- Is the agency active in community causes in Oakland?
- What discounts might you be missing?
- Which insurance company do they prefer to write with?
Exclusive or Independent: There is a difference
When finding local Oakland agents, there are a couple of different agency structures and how they are slightly different. Oakland agents are either exclusive agents or independent agents. Either one can write car insurance policies, but it’s important to know the differences since it could factor into the selection process.
Exclusive Insurance Agents
Exclusive insurance agents can only quote rates from one company and examples are State Farm, Allstate and AAA. They generally cannot shop your coverage around so they really need to provide good service. Exclusive agencies are usually quite knowledgeable on sales techniques which aids in selling service over price. Consumers often use the same exclusive agent mostly because of loyalty to the company and the convenience of having all coverages with one company.
Below are Oakland exclusive insurance agencies that are able to give comparison quotes.
- Jain Williams – State Farm Insurance Agent
4222 MacArthur Blvd – Oakland, CA 94619 – (510) 530-3222 – View Map
- Stephanie Canessa – State Farm Insurance Agent
6228 Merced Ave – Oakland, CA 94611 – (510) 339-4444 – View Map
- Jose Cano – State Farm Insurance Agent
3301 E 12th St Suite 113 – Oakland, CA 94601 – (510) 533-8107 – View Map
Independent Insurance Agents
Independent insurance agents are not employed by any specific company so as a result can place your coverage with multiple insurance companies and get the cheapest rates. If premiums increase, the business is moved internally and you don’t have to switch agencies. When shopping rates, you definitely need to compare quotes from at a minimum one independent agency to ensure the widest selection of prices. Most can insure with companies you’ve never heard of which may have better rates.
Shown below are independent insurance agents in Oakland willing to provide price quotes.
- Links Insurance Services
1155 3rd St # 220 – Oakland, CA 94607 – (925) 361-5185 – View Map
- Cook Disharoon and Greathouse Insurance Brokers
1942 Embarcadero – Oakland, CA 94606 – (510) 437-1900 – View Map
- Bucheku Insurance Agency
1714 Franklin St Suite 305 – Oakland, CA 94612 – (510) 655-6969 – View Map
Best car insurance company in Oakland
Selecting the right auto insurance provider can be difficult considering how many choices you have in California. The company ratings shown below may help you analyze which car insurance providers to look at comparing prices from.
Top 10 Oakland Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Quote more to save more
When you buy Oakland auto insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at an affordable rate and still be able to protect your assets.
Budget-conscious Hyundai Azera insurance is available both online in addition to many Oakland insurance agents, so get free Oakland auto insurance quotes from both of them to have the best rate selection. Some insurance companies may not have online rate quotes and usually these regional carriers only sell through independent agents.
Consumers leave their current company for any number of reasons including not issuing a premium refund, delays in responding to claim requests, an unsatisfactory settlement offer or high prices. Regardless of your reason for switching companies, finding a great new company can be easier than you think.
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Who Has Cheap Oakland Auto Insurance for Drivers with Bad Credit? (FAQ)
- What Car Insurance is Cheapest for a Ford F-150 in Oakland? (FAQ)
- Who Has Affordable Car Insurance Rates for Handicapped Drivers in Oakland? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Car Insurance: When not to Skimp (BankRate.com)