Compare 2015 Hyundai Santa Fe Insurance Quotes

Trying to find lower auto insurance rates for your Hyundai Santa Fe? Perplexed by the wide range of auto insurance options? Many other drivers are as well. Drivers have so many options that it can turn into a real challenge to locate the lowest price.

Factors that can influence Hyundai Santa Fe insurance rates

It’s important that you understand the rating factors that go into determining the rates you pay for car insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get lower car insurance prices.

Listed below are a few of the “ingredients” used by your company to calculate your rates.

  • Keep rates low by being claim-free – If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies provide discounts to drivers who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of the large, substantial claims.
  • Do you need the policy add-ons? – There are many add-on coverages that you can buy on your car insurance policy. Coverages for roadside assistance, towing coverage and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they’re wasting money eliminate them to save money.
  • How many coverages with the same company – The majority of companies will award you with lower prices to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even with this discount, it’s still a good idea to comparison shop to ensure the best deal.
  • Never allow your policy to lapse – Driving without insurance is a misdemeanor and you will pay a penalty because you let your insurance expire. Not only will rates go up, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Cautious drivers pay less – Just one ticket can increase rates by twenty percent. Good drivers have lower premiums than bad drivers. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.

You probably qualify for some discounts

Car insurance companies don’t list every discount very clearly, so the following is a list of both well-publicized and the harder-to-find ways to save on insurance.

  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for Santa Fe insurance than drivers with accidents.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Government Employees – Simply working for the federal government can save as much as 8% for Santa Fe insurance with select insurance companies.
  • Student in College – Youth drivers who live away from home and do not have a car may qualify for this discount.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings of more than 20%.
  • 55 and Retired – If you qualify as a senior citizen, you may receive reduced rates for Santa Fe insurance.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. So when it seems like you could get a free insurance policy, you won’t be that lucky.

Car insurance companies that may have these benefits include:

Check with each insurance company which discounts they offer. Savings might not apply in your area.

There’s no such thing as the perfect policy

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions may help you determine if you will benefit from professional help.

  • Do I need rental car coverage?
  • Should I have combined single limit or split liability limits?
  • Do I have coverage for damage caused while driving under the influence?
  • I don’t drive much so do I pay less?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Who is covered when they drive my 2015 Hyundai Santa Fe?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Specific coverages for a Hyundai Santa Fe

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses such as pain medications, funeral costs and prosthetic devices. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This protects you and your vehicle 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.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision coverage protection

Collision insurance pays for damage to your Santa Fe 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 insurance covers things like hitting a mailbox, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, theft, hitting a bird, damage from flooding and hitting a deer. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

Liability coverage will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people. 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 policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like court costs, funeral expenses and attorney fees. How much coverage you buy is your choice, but consider buying as large an amount as possible.

In any little way, save everyday

As you prepare to switch companies, it’s a bad idea to buy poor coverage just to save money. There have been many situations where consumers will sacrifice liability coverage limits to discover at claim time they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Cheaper 2015 Hyundai Santa Fe insurance can be sourced on the web and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Consumers leave their current company for any number of reasons including policy cancellation, an unsatisfactory settlement offer, extreme rates for teen drivers or even policy non-renewal. No matter why you want to switch, switching insurance companies can be pretty painless.

Much more information about insurance can be read at these links: