It’s safe to assume that insurance companies don’t want customers comparing rates. People who shop for lower prices will, in all likelihood, buy a different policy because of the good chance of finding a more affordable policy. A recent survey discovered that consumers who compared rates regularly saved $865 a year compared to policyholders who never shopped around for lower prices.
If finding budget-friendly auto insurance in Chula Vista is why you’re reading this, then having an understanding of how to get price quotes and compare insurance coverage can save money and time.
It takes a few minutes, but the best way to get discount Hyundai Azera insurance in Chula Vista is to compare prices at least once a year from different companies who provide auto insurance in California. You can shop around by following these guidelines.
- Step 1: Learn about how insurance works and the factors you can control to prevent high rates. Many risk factors that result in higher prices like speeding and a bad credit rating can be remedied by making minor changes in your lifestyle. Read the full article for tips to find cheap rates and find hidden discounts.
- Step 2: Compare rates from direct, independent, and exclusive agents. 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 many different companies. Begin your rate comparison
- Step 3: Compare the new rate quotes to your current policy and see if you can save money. If you find a lower rate and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Provide written notification to your current company of your intention to cancel your current policy. Submit a completed application and payment to the new company. When you receive it, store the proof of insurance paperwork in your vehicle.
A good tip to remember is to compare the same amount of coverage on each quote and and to get rates from as many companies as possible. This guarantees the most accurate price comparison and a complete price analysis.
Locating the best rates in Chula Vista is not rocket science. If you’re already insured or just want cheaper rates, you will benefit by learning to shop for the lowest rates without reducing protection. Consumers just have to understand the least time-consuming way to compare insurance rates instantly.
Companies offering Hyundai Azera insurance in California
The companies in the list below can provide price comparisons in Chula Vista, CA. To get cheap car insurance in California, we recommend you get price quotes from several of them to get a more complete price comparison.
Analysis of Hyundai Azera rates
The information displayed next covers estimates of insurance premium costs for Hyundai Azera models. Learning how policy rates are determined is important for you to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $332 | $664 | $450 | $26 | $134 | $1,606 | $134 |
| Azera Limited 4-Dr Sedan | $374 | $664 | $450 | $26 | $134 | $1,648 | $137 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Estimates do not factor in specific location information which can alter rates substantially.
Should you raise deductibles?
One of the hardest decisions when shopping for insurance is how high or low should comp and collision deductibles be. The comparison tables below approximate the premium difference when you buy lower versus higher deductibles. The first data 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 | $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 | $278 | $546 | $442 | $26 | $132 | $1,424 | $119 |
| Azera Limited 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in garaging location in Chula Vista which can raise or lower insurance rates noticeably.
Based on the figures above, using a $100 deductible costs an average of $32 more each month or $384 every year than opting for the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 13 months between claims, you would save money by going with a higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $100 deductibles: | $153 |
| Average monthly premium for $500 deductibles (subtract): | – $121 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
One important caveat is that a higher deductible level results in more money out-of-pocket when you do file a claim. You need to make sure you have some savings in the event you need to pay the higher deductible.
The diagram below demonstrates how deductibles and can increase or decrease Hyundai Azera insurance rates for different age categories. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Poor driving habits will raise your insurance rates
The example below highlights how traffic violations and fender-benders raise Hyundai Azera car insurance costs for each age group. The information is based on a single male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
Hyundai Azera liability-only versus full coverage
The illustration below shows the comparison of Hyundai Azera auto insurance rates when comparing full coverage to state minimum liability only. The data is based on a clean driving record, no claims, $250 deductibles, drivers are single, and no policy discounts are applied.
When to drop full coverage
There is no definitive formula of when to stop paying for comp and collision coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than around 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Hyundai Azera claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after paying the physical damage deductible. If you are paying more than $800 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where only buying liability is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Discount Chula Vista auto insurance quotes
Not many people think insurance is cheap, but there are discounts available that may help make it more affordable. Many discounts should be triggered at the time of quoting, but some need to be manually applied before they will apply.
- Good Student Discount – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you up until you turn 25.
- No Charge for an Accident – Not really a discount, but some companies like State Farm, Progressive and GEICO will allow you to have one accident without the usual rate increase with the catch being you have to be claim-free for a certain period of time.
- Bundle and Save – If you insure your home and vehicles with one insurance company you may save at least 10% off all policies.
- Claim-Free Discount – Insureds who avoid accidents and claims can save substantially in comparison to drivers with a long claim history.
- Government Employee Discount – Simply working for the federal government could cut as much as 10% off with select insurance companies.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, you aren’t that lucky. Any amount of discount will help lower your policy premiums.
The chart below visualizes the comparison of Hyundai Azera insurance premiums with and without discounts applied to the policy rates. Data assumes a male driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, multi-policy, homeowner, and marriage discounts applied.
A few of the larger companies and some of the premium reductions they offer can be read below.
- Progressive may have discounts that include online quote discount, continuous coverage, multi-vehicle, online signing, multi-policy, homeowner, and good student.
- GEICO has savings for emergency military deployment, good student, federal employee, daytime running lights, and anti-lock brakes.
- State Farm offers premium reductions for driver’s education, safe vehicle, multiple policy, multiple autos, and Steer Clear safe driver discount.
- Esurance policyholders can earn discounts including safety device, online quote, paid-in-full, renters, anti-theft, claim free, and emergency road assistance.
- The Hartford offers discounts including vehicle fuel type, anti-theft, air bag, driver training, and good student.
When quoting, ask every insurance company which discounts you qualify for. Depending on the company, some discounts may not be offered in Chula Vista.
Buying insurance from Chula Vista insurance agencies
A lot of people just want to sit down with an agent and that is recommended in a lot of cases Licensed agents can help you choose the best coverages and help you file claims. A good thing about comparing insurance online is you may find better rates and also buy local.
To help locate an agent, after submitting this quick form, your insurance coverage information is sent to local insurance agents that can give you free Chula Vista auto insurance quotes for your insurance coverage. You never need to search for any insurance agencies because quoted prices will be sent to you. If for some reason you want to quote rates from a particular provider, you just need to go to their quote page and fill out the quote form the provide.
Deciding on an insurer is decision based upon more than just the bottom line cost. Before buying a policy in Chula Vista, get answers to these questions.
- Will a damage claim use OEM or aftermarket replacement parts?
- Will the company cover a rental car if your car is getting fixed?
- Which members of your family are coverage by the policy?
- Is coverage determined by price?
- How does the company pay claims for a total loss?
- Is vehicle mileage a factor when determining depreciation for repairs?
Multiple types of car insurance agents in Chula Vista
If you want to use local Chula Vista agents, there are two different types of agents and how they work. Chula Vista agents are considered either independent agents or exclusive agents depending on their employer. Either one can provide insurance policies, but it’s worth learning why they differ because it can impact the type of agent you choose.
Exclusive Insurance Agents
These type of agents can only place business with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot provide other company’s prices so always compare other rates. They are usually well trained on the products they sell which can be an advantage. Consumers sometimes use the same exclusive agent partially due to the brand name and solid financial strength.
Listed below are Chula Vista exclusive agencies that can give you comparison quotes.
- Farmers Insurance – Charles Phillips
642 3rd Ave a – Chula Vista, CA 91910 – (619) 585-3484 – View Map - Farmers Insurance – Walter Harrison
680 Telegraph Canyon Rd #102 – Chula Vista, CA 91910 – (619) 585-3326 – View Map - GEICO Insurance Agent
386 E H St Suite 203 – Chula Vista, CA 91910 – (619) 264-1751 – View Map
Independent Agents (or Brokers)
Independent insurance agents are not required to write business for one company and that enables them to quote your coverage through many companies and find the cheapest insurance rates. To transfer your coverage to a different company, your agent can just switch to a different company and you don’t have to find a new agent. When comparing rates, you should always get quotes from several independent agencies to maximize your price options. Most also have access to small mutual carriers that many times have cheaper rates.
The following are independent agents in Chula Vista that are able to give price quote information.
- Garrison Insurance Agency, Inc
553 Telegraph Canyon Rd – Chula Vista, CA 91910 – (800) 701-5909 – View Map - L A Insurance
202 Broadway – Chula Vista, CA 91910 – (619) 476-1800 – View Map - Harlem Insurance
357 Broadway – Chula Vista, CA 91910 – (619) 576-3250 – View Map
Lower rates by being persistent
People switch companies for many reasons like lack of trust in their agent, high rates after DUI convictions, extreme rates for teen drivers or even being labeled a high risk driver. Whatever your reason, finding a great new company is less work than it seems.
We’ve covered many ways to lower your Hyundai Azera insurance prices in Chula Vista. The most important thing to understand is the more companies you get rates for, the higher your chance of finding cheaper Chula Vista auto insurance quotes. You may even be surprised to find that the best price on insurance is with a small mutual company.
Budget-conscious Hyundai Azera insurance can be sourced both online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not provide rates over the internet and these small insurance companies sell through independent insurance agents.
For more information, feel free to visit the articles below:
- What is Full Coverage? (Allstate)
- Who Has the Cheapest Chula Vista Car Insurance for Used Cars? (FAQ)
- What Auto Insurance is Cheapest for Ride Shares in Chula Vista? (FAQ)
- Who Has Affordable Chula Vista Car Insurance Rates for Unemployed Drivers? (FAQ)
- Who Has Affordable Auto Insurance for Drivers with a DUI in Chula Vista? (FAQ)
- Who Has Cheap Car Insurance Quotes for 16 Year Olds in Chula Vista? (FAQ)
- What Auto Insurance is Cheapest for Single Moms in Chula Vista? (FAQ)
- Auto Crash Statistics (Insurance Information Institute)
- Tread Depth and Tire Safety (State Farm)
- Child Safety FAQ (iihs.org)