How Much Does 2014 Hyundai Santa Fe Sport Insurance Cost?

Having to pay for overpriced Hyundai Santa Fe Sport insurance can overdraw your checking account and make it hard to pay other bills. Comparison shopping is a smart way to help make ends meet. Many insurance companies vie for your hard-earned dollar, so it’s not easy to compare every company to discover the definitive best price available.

It’s smart to do rate comparisons every six months because rates are usually higher with each renewal. Even if you got the lowest rates on Santa Fe Sport coverage six months ago a different company probably has better rates today. Don’t believe everything you read about car insurance online but I’m going to show you some excellent ideas to quit paying high car insurance rates.

If you have insurance now or need new coverage, you can follow these tips to get lower rates while maintaining coverages. Choosing the best insurance company for you is not rocket science. Drivers just need to learn the tricks to get comparison quotes over the internet.

Insurance Prices Online

Finding a lower price on 2014 Hyundai Santa Fe Sport insurance is not rocket science. Consumers just need to spend a little time to compare quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

  1. The fastest way to find low rates is a comparison rater form click to view form in new window. This method prevents you from having to do multiple quote forms to each individual insurance company. A single, simple form gets you coverage quotes from insurance companies with the best prices.
  2. A slightly less efficient method to compare prices requires you to visit the website for every company you want to comare to request a price quote. For examples sake, let’s say you want to compare Liberty Mutual, Safeco and Progressive. To get rate quotes you would need to go to every website and enter your information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient way to compare rates is to waste gas driving to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you have a need for the trained guidance of a licensed agent. However, consumers can price shop your coverage online but buy from a local insurance agent. We’ll cover that shortly.

Whichever method you choose, make absolute certain that you use exactly the same coverage limits for each comparison quote. If you use unequal deductibles or liability limits it’s not possible to truly determine the lowest rate.

Verify you’re getting all your discounts

Companies that sell car insurance don’t list all available discounts in a way that’s easy to find, so the following is a list of both the well known as well as the least known ways to save on car insurance. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Auto/Life Discount – Some companies give lower rates if you buy auto and life insurance together.
  • Homeowners Savings – Owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Accident Waiver – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Santa Fe Sport coverage than their less cautious counterparts.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, car insurance companies aren’t that generous.

For a list of providers with discount car insurance rates, click here to view.

When should I talk to an agent?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different and your policy should reflect that. For example, these questions might help in determining whether or not you could use an agent’s help.

  • Is motorclub coverage worth it?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need roadside assistance coverage?
  • Does my insurance cover a custom paint job?
  • How high should my uninsured/underinsured coverage be in my state?
  • What are the financial responsibility laws in my state?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What if I total my 2014 Hyundai Santa Fe Sport and owe more than it’s worth?
  • When can I cancel my policy?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Factors that can influence Hyundai Santa Fe Sport insurance rates

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for insurance coverage. Having a good understanding of what controls the rates you pay enables informed choices that could result in better insurance coverage rates.

  • Do you need those extra coverages? – There are a lot of extra bells and whistles that you can buy on your Santa Fe Sport policy. Coverages like rental car reimbursement, towing coverage and additional equipment coverage may be costing you every month. They may seem good at first, but now you might not need them so get rid of them and save.
  • Never allow your policy to lapse – Driving without insurance is illegal and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, getting caught without coverage can result in a license revocation or jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Men pay higher rates – The statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. They both are in accidents at about the same rate, but men tend to have more serious accidents. Men also receive more costly citations such as DWI and reckless driving.
  • Do you have enough liability coverage? – Liability coverage is the protection if ever a jury decides you are liable for damages caused by your negligence. It will provide legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Your credit rating is important – A driver’s credit rating is a huge factor in determining what you pay for insurance coverage. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores. If your credit score can use some improvement, you could potentially save money when insuring your 2014 Hyundai Santa Fe Sport by improving your credit score.
  • More miles equals more premium – The higher the mileage driven each year the more you will pay for insurance coverage. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates than those used for commuting. If your policy improperly rates your Santa Fe Sport may be costing you. Double check that your insurance coverage declarations sheet is showing the correct usage for each vehicle.

Coverages available on your policy

Knowing the specifics of your insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.

Liability car insurance

This can cover damage that occurs to people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like repair costs for stationary objects, attorney fees, bail bonds, emergency aid and loss of income. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2014 Hyundai Santa Fe Sport.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like funeral costs, chiropractic care, doctor visits, prosthetic devices and surgery. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision insurance

This coverage covers damage to your Santa Fe Sport caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, hitting a parking meter, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage 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 pays for things like hitting a bird, a tree branch falling on your vehicle, rock chips in glass and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage on a shoestring budget

Cost effective 2014 Hyundai Santa Fe Sport insurance can be bought both online and with local insurance agents, so you should compare both to have the best selection. Some auto insurance companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

To learn more, feel free to browse the articles below: