Are you searching for low-cost car insurance rates in Lincoln, NE? Lincoln buyers have many options when searching for low-cost Hyundai Azera insurance. They can either spend hours driving around trying to get quotes or utilize the internet to find the lowest rates. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the absolute fastest way to quote coverages for your Hyundai and obtain the lowest price.
Smart consumers take time to do rate comparisons on a regular basis because car insurance prices fluctuate regularly. Just because you found the lowest rates on Hyundai Azera insurance in Lincoln six months ago you can probably find a lower rate today. Forget all the misinformation about car insurance because I’m going to teach you the fastest way to save money, get proper coverage and the best rates.
Cheapest companies for Hyundai Azera insurance
The following companies have been selected to offer price quotes in Nebraska. To get cheap car insurance in Lincoln, NE, we recommend you get prices from several of them to find the cheapest car insurance rates.
Analysis of Hyundai Azera rates
The coverage table below covers detailed analysis of insurance rates for Hyundai Azera models. Understanding how insurance rates are figured helps drivers make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $232 | $460 | $300 | $18 | $90 | $1,100 | $92 |
| Azera Limited 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,130 | $94 |
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in Lincoln location which can change insurance rates substantially.
Deductible analysis
One frequently asked question is how high should the physical damage coverage deductibles be. The premium rates below may aid in understanding the differences in price between high and low physical damage deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $258 | $548 | $300 | $18 | $90 | $1,239 | $103 |
| Azera Limited 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Azera Limited 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in specific Lincoln garaging location which can influence rates significantly.
We can estimate from the data above that using a $100 deductible could cost the average driver approximately $34 more each month or $408 for a full year than choosing the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average more than 26 months between claim filings, you would more than likely save some money going with the higher deductible.
Annual premiums for males compared to females
The chart below compares Hyundai Azera insurance costs for male and female drivers. The price estimates are based on no claims or driving citations, full physical damage coverage, $250 deductibles, single marital status, and no discounts are factored in.
Hyundai Azera liability-only versus full coverage
The diagram below shows the difference between Hyundai Azera premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Nebraska. The premiums are based on no tickets, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied to the premium.
Should you buy full coverage or liability only?
There is no definitive rule to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Hyundai Azera settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying your deductible. If it’s costing in excess of $800 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some conditions where buying only liability insurance is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Affordable Lincoln auto insurance quotes with discounts
Car insurance can cost a lot, but you might already qualify for some discounts to reduce the price significantly. Certain credits will be shown when you purchase, but some discounts are required to be specially asked for before they will apply. If they aren’t giving you every credit you deserve, you may be paying too high a price.
- Discount for Good Grades – Being a good student may save as much as 25% on a Lincoln auto insurance quote. Earning this discount can benefit you until age 25.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
- Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
- Save over 55 – Seniors are able to get a small decrease in premiums.
- Discounts for Federal Employees – Active or former government employment could provide a small rate reduction depending on your auto insurance provider.
- Discount for New Cars – Buying coverage on a new vehicle can save up to 30% since newer models have better safety ratings.
- Driver Safety – Taking a defensive driving course could cut 5% off your bill and easily pay for the cost of the class.
- Full Payment Discount – By making one initial payment rather than spreading payments over time you could save 5% or more.
- Telematics Discount – People who choose to allow their insurance company to scrutinize where and when they drive remotely like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they show good driving skills.
- Club Memberships – Being a member of a civic or occupational organization in Lincoln is a simple method to lower premiums on your next auto insurance statement.
While discounts sound great, it’s important to understand that most discount credits are not given to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.
The illustration below illustrates the comparison of Hyundai Azera insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, a clean driving record, no at-fault accidents, Nebraska state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, safe-driver, claim-free, and marriage discounts applied.
If you would like to view companies that offer multiple discounts in Lincoln, click here to view.
Car insurance is available from local agents
Some consumers still like to go talk to an agent and that is not a bad decision Most agents can help you choose the best coverages and help file insurance claims. One of the benefits of comparing rate quotes online is the fact that you can find the best rates and also buy local.
To help locate an agent, after submitting this form (opens in new window), your insurance data is submitted to local insurance agents in Lincoln who can give free rate quotes to get your business. It simplifies rate comparisons since you won’t have to find an agent due to the fact that quote results will go directly to you. If you need to quote rates from a specific car insurance provider, don’t hesitate to jump over to their website and fill out their quote form.
Picking the best insurer requires more thought than just a low price. The answers to these questions are important, too.
- Will you get a loaner vehicle if you car is being repaired?
- Is the agency covered by Errors and Omissions coverage?
- When do they do policy reviews?
- Do they assist clients in filing claims?
- Will you work with the agent or an assistant?
If you want a reliable insurance agency, you must know there are a couple different agency structures to choose from. Agents can be classified as either independent agents or exclusive agents. Both can write policy coverage, but it’s important to point out why they differ since it could factor into buying decisions.
Exclusive Car Insurance Agents
Agents of this type work for only one company and some examples include Farmers Insurance, Allstate, or State Farm. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents receive extensive training in insurance sales which helps them compete with independent agents. Many people buy insurance from these agents mostly because of high brand loyalty rather than having low rates.
Listed below are Lincoln exclusive insurance agencies willing to provide price quotes.
- Allstate Insurance: Earnest and Associates, Inc
4221 O St – Lincoln, NE 68510 – (402) 488-0955 – View Map - American Family Insurance – James L. Brown Agency Inc
4500 Cornhusker Hwy Ste 1 – Lincoln, NE 68504 – (402) 465-0748 – View Map - John Curry – State Farm Insurance Agent
4640 Champlain Dr #121 – Lincoln, NE 68521 – (402) 477-8383 – View Map
Independent Insurance Agents
Agents that elect to be independent can quote rates with many companies so they can write business with many different companies enabling the ability to shop coverage around. If premiums increase, they simply move your policy to a different company and you don’t have to find a new agent. When shopping rates, you need to include independent agents in order to compare the most rates. They often place coverage with lesser-known insurance companies which can be an advantage.
The following are independent agents in Lincoln who can help you get comparison quotes.
- Gary Thompson Agency, Inc.
4200 Lucile Dr a200 – Lincoln, NE 68506 – (402) 475-2609 – View Map - Jeff Munns Agency, Inc.
1617 Normandy Ct #102 – Lincoln, NE 68512 – (402) 436-2140 – View Map - AMS Insurance Center
120 S 29th St – Lincoln, NE 68510 – (402) 476-3599 – View Map
If you get satisfactory answers for all questions you ask as well as an affordable premium quote, it’s possible that you found an insurance agency that can be relied on to properly service your car insurance policy.
What is the best car insurance company in Lincoln?
Insuring your vehicle with the highest-rated auto insurance provider can be difficult considering how many companies provide coverage in Lincoln. The ranking data displayed below can help you select which insurers you want to consider when comparing rate quotes.
| 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 |
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Car insurance coverages explained
Knowing the specifics of a car insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Hyundai Azera.
Since a lot of drivers carry very low liability coverage limits (25/50/25), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like doctor visits, hospital visits, ambulance fees and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Coverage for liability – Liability insurance will cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.
Liability coverage pays for things like funeral expenses, attorney fees and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford. Nebraska requires minimum liability limits of 25/50/25 but drivers should carry more coverage.
The chart below demonstrates why buying the state minimum limits may not be high enough to adequately cover claims.
Collision coverage – Collision insurance covers damage to your Azera from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims like colliding with another moving vehicle, hitting a parking meter, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible on your Azera to bring the cost down.
Comprehensive car insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as hail damage, falling objects and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
The lowest rates come from being thorough
We’ve covered a lot of tips how to get a better price on Hyundai Azera insurance in Lincoln. The most important thing to understand is the more times you quote, the higher your chance of finding the cheapest Hyundai Azera rate quotes. Consumers could even find that the biggest savings come from the smaller companies.
Insureds change insurance companies for many reasons like being labeled a high risk driver, lack of trust in their agent, delays in responding to claim requests and policy cancellation. It doesn’t matter why you want to switch choosing a new company is easier than you think.
When getting Lincoln auto insurance quotes online, do not skimp on coverage in order to save money. In many cases, an accident victim reduced full coverage only to find out that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.
How to save money on Hyundai Azera insurance in Lincoln
The recommended way to find affordable quotes for auto insurance rates in Lincoln is to compare quotes once a year from insurance carriers that insure vehicles in Nebraska. Rate comparisons can be done by following these steps.
- Try to learn about the different coverages in a policy and the steps you can take to prevent rate increases. Many things that cause high rates like accidents, traffic violations, and a poor credit score can be amended by paying attention to minor details.
- Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or Allstate, while independent agencies can provide price quotes from multiple companies. View rates
- Compare the price quotes to the premium of your current policy to see if cheaper Azera coverage is available. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide notification to your current agent or company of your intention to cancel your current auto insurance policy and submit a completed policy application and payment for your new policy. Once the paperwork is finalized, keep the new certificate verifying coverage in an easily accessible location.
One bit of advice is to try to compare the same amount of coverage on every price quote and to quote with every insurance company. Doing this enables a fair price comparison and the best rate selection.
Additional detailed information can be read by following these links:
- Medical Payments Coverage (Liberty Mutual)
- Who Has Cheap Car Insurance Rates for a 20 Year Old Male in Lincoln? (FAQ)
- What Car Insurance is Cheapest for Young Drivers in Lincoln? (FAQ)
- Who Has Cheap Lincoln Auto Insurance for High School Students? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Teen Driving and Texting (State Farm)
- What is a Telematics Device? (Allstate)
- Teen Driving Statistics (iihs.org)