Compare Hyundai Azera Insurance Rate Quotes in Charlotte

Are you drained from scraping the payment together to keep your car insured? You’re in the same situation as many other North Carolina drivers.

Insurance quote for Hyundai Azera in CharlotteAmazingly, a recent NerdWallet.com study showed that a large majority of consumers kept their policy with the same company for a minimum of four years, and just under half have never compared rate quotes at all. Many drivers in North Carolina could pocket $90 a year just by shopping around, but they don’t know how much they could save if they bought a different policy.

How to find cheaper quotes for Hyundai Azera insurance in Charlotte

The best way we recommend to find affordable auto insurance rates is to start comparing prices yearly from insurers that insure vehicles in Charlotte.

The most important part of shopping around is that you’ll want to make sure you compare similar deductibles and liability limits on every price quote and and to get quotes from as many auto insurance providers as possible. This helps ensure a level playing field and a complete rate analysis.

With so many companies and agents to choose from, it’s nearly impossible to choose the lowest cost insurance provider.

It’s important to know that more quotes will enable you to find lower pricing. Not every company provides online Charlotte Azera insurance quotes, so it’s important to also get quotes from the smaller companies as well.

The companies shown below provide free quotes in North Carolina. To buy the cheapest auto insurance in North Carolina, it’s a good idea that you click on several of them to get the lowest price.

Insuring your vehicle just makes sense

Despite the fact that car insurance is not cheap in Charlotte, buying car insurance serves several important purposes.

The benefits of buying enough insurance outweigh the cost, especially with large liability claims. The average driver in North Carolina is overpaying more than $820 a year so you should quote and compare rates at least once a year to ensure rates are inline.

Coverage information

The coverage table displayed below outlines a range of insurance coverage prices for Hyundai Azera models. Having knowledge of how prices are figured can help guide drivers when making decisions on which insurance to purchase.


Hyundai Azera Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $154 $354 $302 $18 $90 $918 $77
Azera Limited 4-Dr Sedan $174 $354 $302 $18 $90 $938 $78
Get Your Own Custom Quote Go

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in specific location information which can alter price quotes noticeably.

Choosing deductibles

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The tables below show the difference in cost between low and high physical damage coverage deductibles. The first data set uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.


Hyundai Azera insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $192 $382 $250 $14 $74 $937 $78
Azera Limited 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
Get Your Own Custom Quote Go

Hyundai Azera insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Azera GLS 4-Dr Sedan $118 $240 $250 $14 $74 $696 $58
Azera Limited 4-Dr Sedan $134 $240 $250 $14 $74 $712 $59
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in your specific Charlotte location which can decrease or increase premiums noticeably.

Based on this data, using a $250 deductible will cost in the ballpark of $20 more each month or $240 for a full year than buying the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 38 months between claims, you would come out ahead if you opt for a higher deductible. The table below shows the way you can come to your own conclusion.

Average monthly premium for $250 deductibles: $79
Average monthly premium for $1,000 deductibles (subtract): – $59
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

An important thing to remember is that a higher deductible means you will have to pay more out-of-pocket when you have to file a claim. You should have some funds available in order to pay the higher deductible.

The chart below demonstrates how deductible levels and can raise or lower Hyundai Azera insurance rates for different age groups. The price estimates are based on a single male driver, full coverage, and no discounts are applied.

Hyundai Azera insurance costs by age and gender

The illustration below visualizes the comparison of Hyundai Azera insurance prices for male and female drivers. Data assumes no claims or violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

Cheap Charlotte auto insurance rates with discounts

Insuring your fleet can be pricey, but there are discounts available that can dramatically reduce your bill. Some discounts will apply when you complete an application, but some need to be specially asked for before you will receive the discount.Save money with discounts

You should keep in mind that many deductions do not apply to the whole policy. Most cut specific coverage prices like comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous. But any discount will positively reduce your overall premium however.

The illustration below compares Hyundai Azera insurance prices with and without discounts applied. The rates are based on a female driver, no claims or driving citations, North Carolina 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 claim-free, multi-policy, safe-driver, homeowner, marriage, and multi-car discounts applied.

Companies and a partial list of their discounts can be found below.

If you want inexpensive Charlotte auto insurance quotes, ask all the companies which discounts can lower your rates. Some of the earlier mentioned discounts may not be available in your state. To see a list of auto insurance companies that offer the discounts shown above in North Carolina, click here.