Auto Insurance Rates for a Hyundai Azera in Tampa

It’s an obvious assumption that car insurance companies don’t want you shop around. Consumers who shop around for cheaper prices are inclined to switch auto insurance companies because there is a good probability of finding a more affordable policy premium. A recent auto insurance study revealed that drivers who regularly shopped around saved as much as $3,400 over four years compared to other drivers who never compared rates.

If finding the lowest price on Hyundai Azera insurance is your target objective, then having some knowledge of the best way to shop and compare insurance rates can save money and time.

Insurance for Hyundai AzeraIf you want to save money, the best way to get cheaper car insurance rates is to start comparing rates regularly from insurance carriers who sell insurance in Tampa.

First, try to learn about how companies price auto insurance and the measures you can control to drop your rates. Many rating factors that increase rates such as traffic violations, accidents, and a poor credit rating can be eliminated by making minor changes to your lifestyle.

Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like Progressive and State Farm, while independent agencies can quote prices for a wide range of companies. View prices

Third, compare the new rates to your existing rates and determine if there is any savings. If you can save money, ensure there is no coverage lapse between policies.

A good tip to remember is to use similar limits and deductibles on each quote request and and to get quotes from all possible companies. Doing this ensures the most accurate price comparison and a complete price analysis.

Most of the larger companies such as GEICO, State Farm and Progressive give prices for coverage directly from their websites. Doing online price comparisons for Hyundai Azera insurance in Tampa is pretty painless as all you need to do is type in your required coverages as detailed in the form. Once entered, their system automatically orders your driving and credit reports and generates pricing information based on the data you entered. Getting online rates for Hyundai Azera insurance in Tampa makes it a lot easier to compare rates and it’s very important to compare as many rates as possible if you are searching for the most affordable premium.

To save time and compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you replicate coverages and limits identical to your current policy. Doing this guarantees you will be getting a fair comparison for similar insurance coverage.

The companies shown below provide quotes in Florida. If you wish to find cheap auto insurance in Tampa, we suggest you visit as many as you can to get a more complete price comparison.

Tampa auto insurance discounts

Companies offering auto insurance don’t list the entire discount list very well, so we researched a few of the more well known and the harder-to-find credits available to you.Cheaper auto insurance with discounts

Consumers should know that most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as medical payments or collision. So when it seems like all those discounts means the company will pay you, that’s just not realistic.

The chart below visualizes the comparison of Hyundai Azera insurance costs with and without discounts applied to the premium. The information is based on a male driver, no accidents, no driving violations, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, marriage, claim-free, and homeowner discounts applied.

The best auto insurance companies and the discounts they provide are:

Check with every company how many discounts you can get. Some of the earlier mentioned discounts might not apply in Tampa.

Hyundai Azera coverage statistics

The information shown next covers estimates of coverage costs for Hyundai Azera models. Having knowledge of how prices are determined can help you make decisions when shopping your coverage around.


Hyundai Azera Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $410 $764 $546 $32 $164 $1,916 $160
Azera Limited 4-Dr Sedan $462 $764 $546 $32 $164 $1,968 $164
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in specific location information which can modify insurance rates significantly.

Policy deductible comparison

The hardest decision when buying coverage is what deductibles to buy. The rates below can help show the premium difference when you select higher and lower deductibles. The first data set uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.


Hyundai Azera insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $322 $640 $418 $24 $124 $1,553 $129
Azera Limited 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
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Hyundai Azera insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $262 $516 $418 $24 $124 $1,344 $112
Azera Limited 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in specific zip code location which can influence premium rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $17 more each month or $204 a year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 15 months between claims, you would save more money by going with a higher deductible.

The diagram below highlights how deductible choice and can increase or decrease Hyundai Azera insurance rates for different age groups. The costs are based on a married male driver, comp and collision included, and no discounts are applied to the premium.

Hyundai Azera insurance costs by gender and age in Tampa

The diagram below illustrates the comparison of Hyundai Azera insurance costs for male and female drivers. The rates are based on no claims or driving violations, comprehensive and collision coverage, $500 deductibles, drivers are single, and no policy discounts are applied.

Liability only or full coverage

The information below shows the comparison of Hyundai Azera auto insurance costs when comparing full coverage to liability only. Data assumes no accidents or driving violations, $250 deductibles, single status, and no policy discounts are applied.

When to stop buying physical damage coverage

There is no written rule for phasing out comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s say your Hyundai Azera replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,000 after the policy deductible has been paid. If premiums are more than $600 annually for your policy with full coverage, then you might consider buying liability only.

There are some cases where removing full coverage is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not remove full coverage.

Learn How to Quote Auto Insurance at a Discount

The best way to find cheaper auto insurance is to take a look at some of the things that come into play when calculating your premiums. If you understand what determines base rates, this enables you to make decisions that could help you find lower auto insurance prices.

The factors shown below are some of the items used by your company to calculate rates.