How Much Does 2014 Hyundai Santa Fe Insurance Cost?

Searching for better auto insurance rates? Consumers have many options when looking for the lowest priced Hyundai Santa Fe insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to make rate comparisons. There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the best way to get price quotes for a new or used Hyundai and obtain the best price possible.

It’s a great practice to do rate comparisons before your policy renews since rates are usually higher with each renewal. Despite the fact that you may have had the lowest rates on Santa Fe insurance two years ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance online but by reading this article, you’re going to learn some good information on how to save money.

If you have insurance now or need new coverage, you can learn to find better prices while maximizing coverage. The purpose of this article is to tell you how to get online quotes and some money-saving tips. Vehicle owners just need to know the tricks to compare company rates online.

Car Insurance Prices Online

Lowering your 2014 Hyundai Santa Fe car insurance rates can be relatively painless. Consumers just need to spend a few minutes on the computer to compare quotes provided by online insurance companies. This can be done in a couple of different ways.

The fastest way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This type of form keeps you from doing repetitive form entry for each company you want a rate for. Completing one form will return price quotes from multiple companies. This is perfect if you don’t have a lot of time.

A less efficient way to compare prices is spending the time to visit each company’s website and request a quote. For sake of this example, let’s assume you want to compare Auto-Owners, Esurance and American Family. To find out each rate you need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The most time-consuming way of comparing rate quotes is driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you prefer the personal advice only provided by licensed agents. It is possible to obtain prices from the web and still use a local agent and we’ll talk about that later.

It’s up to you which method you use, but make darn sure you compare exactly the same coverage limits and deductibles with every price quote. If the quotes have different limits and deductibles on each one it’s impossible to make an equal comparison.

Do you really save 40% when you switch?

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of State Farm and Allstate. All the companies make an identical promise that you’ll save big if you move your coverage to them.

How do they all make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the right customer they prefer to insure. For instance, a desirable insured could be a mature driver, has no prior claims, and drives less than 7,500 miles a year. A customer who meets those qualifications is entitled to the best price and most likely will save a lot of money.

Consumers who do not match these standards will be charged more money which leads to business going elsewhere. The ads state “drivers who switch” not “people who quote” save money. That is how companies can advertise the savings. That is why it’s extremely important to get as many quotes as possible. You cannot predict which company will provide you with the cheapest Hyundai Santa Fe insurance rates.

Verify you’re getting all your discounts

Auto insurance companies don’t always advertise all available discounts very well, so we researched both well-publicized and also the lesser-known auto insurance savings. If you don’t get every credit possible, you are throwing money away.

  • Discount for Good Grades – This discount can get you a discount of up to 25%. This discount can apply until age 25.
  • No Accidents – Drivers who don’t have accidents pay much less when compared with bad drivers.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Hyundai could be rewarded with discounted rates on garaged vehicles.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.

Consumers should know that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Companies that possibly offer these discounts may include but are not limited to:

Before buying, ask each insurance company how you can save money. Some discounts might not be offered everywhere.

When should I talk to an agent?

When buying the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions might help in determining whether or not you could use an agent’s help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are rock chip repairs covered?
  • Which is better, split liability limits or combined limits?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How much can I save by bundling my policies?
  • Should I drop comprehensive coverage on older vehicles?
  • What is UM/UIM insurance?
  • Why do I need rental car insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Detailed coverages of your auto insurance policy

Knowing the specifics of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverage – Collision insurance will pay to fix damage to your Santa Fe from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, crashing into a ditch, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, hitting a bird and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Hyundai Santa Fe.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like X-ray expenses, prosthetic devices, surgery, pain medications and funeral costs. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability car insurance – Liability insurance will cover damage or injury you incur to other people or property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like attorney fees, court costs, pain and suffering, bail bonds and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

A tidy conclusion

We’ve covered a lot of information how to save on 2014 Hyundai Santa Fe insurance. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may even discover the most savings is with the smaller companies.

Cheaper insurance can be found online as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

When trying to cut insurance costs, do not reduce needed coverages to save money. There have been many situations where an insured dropped liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at the best price while not skimping on critical coverages.

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