Shocking but true, about 70% of customers have purchased from the same company for well over three years, and nearly the majority have never even shopped around for cheap coverage. With the average premium in the United States being $1,847, drivers could save about 47% every year, but they don’t invest the time required to find cheap auto insurance rates.
Really, the only way to get more affordable Hyundai Azera insurance in Madison is to do an annual price comparison from providers who sell insurance in Wisconsin.
- Step 1: Try to comprehend what is in your policy and the measures you can control to keep rates down. Many policy risk factors that result in higher rates like at-fault accidents and a less-than-favorable credit score can be amended by making minor changes to your lifestyle. Later in this article we will cover information to prevent expensive rate increases and get additional discounts.
- Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can quote prices for many different companies.
- Step 3: Compare the price quotes to the premium of your current policy and see if there is a cheaper rate in Madison. If you find a lower rate and change companies, ensure coverage does not lapse between policies.
- Step 4: Give proper notification to your current agent or company of your intention to cancel your current car insurance policy. Submit a completed application and payment to your new agent or company. As soon as you can, put the new proof of insurance paperwork somewhere easily accessible.
An important part of this process is to try to compare similar limits and deductibles on each quote request and and to get prices from as many different insurance providers as possible. Doing this guarantees an apples-to-apples comparison and the best price quote selection.
Low Cost companies for Hyundai Azera insurance in Wisconsin
The companies shown below can provide free quotes in Madison, WI. To locate cheap car insurance in Madison, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.
Hyundai Azera insurance rate analysis
The premium table shown below covers different policy rates for Hyundai Azera models. Having a better idea how insurance rates are calculated is important for making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $192 | $412 | $234 | $14 | $70 | $922 | $77 |
| Azera Limited 4-Dr Sedan | $216 | $412 | $234 | $14 | $70 | $946 | $79 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in vehicle location which can raise or lower price quotes greatly.
The example below illustrates how choosing a deductible and can raise or lower Hyundai Azera premium costs for different insured age categories. The prices are based on a single female driver, full coverage, and no additional discounts are factored in.
Careless driving habits raise Madison auto insurance rates
The diagram below demonstrates how traffic citations and at-fault accidents can affect Hyundai Azera insurance rates for different categories of driver ages. The rates are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
Full coverage rates vs. liability-only
The chart below compares Hyundai Azera yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Wisconsin. The rates are based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are not married, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There isn’t a steadfast formula of when to exclude full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s pretend your Hyundai Azera book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $6,000 after paying your policy deductible. If you are paying more than $600 a year to have full coverage, then you might consider buying liability only.
There are a few cases where only buying liability is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Slash your car insurance rates with these six discounts
Buying car insurance is not cheap, but you may find discounts that could drop your premiums quite a bit. Some trigger automatically at quote time, but once in a while a discount must be requested specifically before you get the savings.
- Multi-Vehicle Discounts – Drivers who insure more than one vehicle with the same company can reduce the rates for all insured vehicles.
- Pay Upfront and Save – By paying your policy upfront instead of paying each month you can avoid monthly service charges.
- Accident Forgiveness Coverage – Not a discount per se, but certain companies allow you one accident before they charge you more for coverage if you have no claims for a particular time prior to the accident.
- Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more on Azera insurance in Madison.
- Save with a New Car – Putting insurance coverage on a new Azera can get you a discount since newer vehicles have better safety ratings.
As is typical with insurance, most discounts do not apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will definitely reduce your premiums.
The information below compares Hyundai Azera annual premium costs with and without discounts applied. Data assumes a male driver, no claims, a clean driving record, Wisconsin state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, homeowner, multi-car, and marriage discounts applied.
To locate companies who offer cheap Hyundai Azera insurance quotes in Madison in Wisconsin, click this link.
When to contact an agent
Many people just prefer to visit with an insurance agent and that can be a smart move Good insurance agents can help you choose the best coverages and give you someone to call. A nice benefit of comparing auto insurance online is the fact that you can find better rates but also keep your business local.
For easy comparison, once you complete this simple form, the quote information is sent to insurance agents in Madison who will gladly provide quotes for your coverage. You won’t even need to visit any agencies because quoted prices will be sent to you. If you want to get a price quote from a specific auto insurance provider, don’t hesitate to go to their quote page and give them your coverage information.
Picking the best provider needs to be determined by more than just the quoted price. Get answers to these questions too.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Has the agent ever had any license suspensions?
- If independent agents, which companies do they recommend?
- How long have they worked with personal auto insurance coverage?
- Are there any discounts for paying up front?
If you are searching for a reputable insurance agent or broker, it helps to know the two types of agencies and how they operate. Auto insurance policy providers can be described as either exclusive or independent (non-exclusive). Either can sell affordable auto insurance policies, but it’s a good idea to understand the subtle differences since it may influence buying decisions.
Exclusive Insurance Agents
These agents can only quote rates from one company such as American Family, State Farm, and Allstate. Exclusive agents are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are usually well trained on what they offer which helps them sell on service rather than price.
Shown below are exclusive agencies in Madison who may provide you with price quote information.
Melissa Eckstrom – State Farm Insurance Agent
1771 Thierer Rd – Madison, WI 53704 – (608) 663-5000 – View Map
American Family Insurance – Brad Bodden
3821 Nakoma Rd – Madison, WI 53711 – (608) 231-2453 – View Map
American Family Insurance – Michael Kittoe
334 Junction Rd – Madison, WI 53717 – (608) 827-9788 – View Map
Independent Insurance Agents
Independent agents often have affiliation with several companies so they can quote policies through many different auto insurance companies and find the cheapest rate. If you want to switch companies, the agent simply finds a different carrier which requires no work on your part. When comparing rate quotes, we recommend you check rates from a few independent agents in order to have the best price comparison.
The following is a list of independent agencies in Madison willing to provide comparison quotes.
The Curtis Agency
2929 Atwood Ave – Madison, WI 53704 – (608) 250-2501 – View Map
R and S Insurance
1520 Vernon St – Madison, WI 53703 – (608) 251-0022 – View Map
Affiliated Insurance-Wisconsin
3830 Atwood Ave – Madison, WI 53714 – (608) 273-3361 – View Map
Insurance coverage considerations
Understanding the coverages of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverages offered by insurance companies.
Auto liability – Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/10 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property.
Liability insurance covers things like repair bills for other people’s vehicles, legal defense fees, loss of income and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford. Wisconsin requires drivers to carry at least 25/50/10 but you should consider buying higher limits.
The next chart shows why buying the state minimum limits may not be enough.
Uninsured and underinsured coverage – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (25/50/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, funeral costs, EMT expenses and prosthetic devices. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available and may carry a deductible
Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like a broken windshield, damage from a tornado or hurricane, fire damage, theft and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision coverage – This pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like sustaining damage from a pot hole, hitting a mailbox, colliding with another moving vehicle, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible on your Azera to bring the cost down.
Auto insurance company ratings
Choosing the top auto insurance company can be challenging considering how many choices there are in Wisconsin. The information below could help you analyze which insurers to look at when comparing rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
What is YOUR best insurance company?
You just read some good ideas how you can find affordable Hyundai Azera insurance in Madison. The key concept to understand is the more rate comparisons you have, the higher your chance of finding cheaper Madison auto insurance quotes. Drivers may even discover the lowest prices come from a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive or GEICO.
When searching for low cost Madison auto insurance quotes, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, drivers have reduced liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.
Additional information can be read on the following sites:
- A Tree Fell on Your Car: Now What? (Allstate)
- What Car Insurance is Cheapest for Handicapped Drivers in Madison? (FAQ)
- Who Has Cheap Auto Insurance for a Toyota Corolla in Madison? (FAQ)
- Who Has the Cheapest Car Insurance for Drivers Over Age 60 in Madison? (FAQ)
- What Insurance is Cheapest for Hybrid Vehicles in Madison? (FAQ)
- Who Has Affordable Madison Auto Insurance for a Toyota RAV4? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Child Safety FAQ (iihs.org)