2017 Hyundai Santa Fe Insurance Cost

Trying to find cheaper auto insurance rates for your Hyundai Santa Fe? No one in their right mind looks forward to buying auto insurance, especially when they know the cost is way too high.

With so many insurance providers from which to choose, it’s nearly impossible to pick the lowest cost company.

How to compare car insurance quotes

There are a variety of methods to shop for car insurance, but some are less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could save time and use the internet to quickly compare rates.

The majority of car insurance companies take part in a program where insurance shoppers complete one form, and each participating company returns a competitive quote based on the submitted data. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To find out what other companies charge click here to start a free quote.

The one disadvantage to using this type of system is you cannot specify which carriers to get pricing from. If you would rather choose specific providers to compare prices, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but do your best to use exactly the same quote information on every quote. If you enter mixed coverages you can’t possibly find the best deal for your Hyundai Santa Fe. Even a minor difference in coverages can mean a large discrepancy in price. Keep in mind that more quotes will enable you to find the best rates. Some regional insurers cannot provide online price quotes, so you also need to get prices from the smaller companies as well.

Do you qualify for discount insurance coverage?

Companies offering auto insurance don’t always publicize all disounts in an easy-to-find place, so we took the time to find both the well known and also the more inconspicuous insurance coverage savings.

  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
  • Discount for Swiching Early – Some insurance companies provide a discount for buying a policy early. You may see this discount when you get insurance quotes online.
  • Homeowners Pay Less – Being a homeowner can save a few bucks since owning and maintaining a home shows financial diligence.
  • Multi-policy Discount – When you combine your home and auto insurance and place coverage with the same company you will save approximately 10% to 15%.
  • Seat Belt Discounts – Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.
  • Payment Discounts – By making one initial payment rather than spreading payments over time you can avoid the installment charge.
  • Senior Citizens – Drivers that qualify as senior citizens are able to get lower premium rates on Santa Fe coverage.
  • Discount for Low Mileage – Driving fewer miles could earn lower prices due to less chance of an accident.
  • Discounts for New Vehicles – Buying coverage on a new vehicle can get you a discount because new vehicles have to meet stringent safety requirements.

Remember that most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will positively reduce the cost of coverage.

Large insurance coverage companies and their possible discounts are included below.

  • Geico offers discounts including daytime running lights, five-year accident-free, emergency military deployment, military active duty, membership and employees, driver training, and defensive driver.
  • MetLife may include discounts for good student, claim-free, accident-free, good driver, defensive driver, and multi-policy.
  • State Farm offers premium reductions for safe vehicle, driver’s education, good driver, accident-free, and Steer Clear safe driver discount.
  • Progressive policyholders can earn discounts including multi-vehicle, online quote discount, online signing, multi-policy, and continuous coverage.
  • Mercury Insurance has savings for ease of repair, multi-car, type of vehicle, low natural disaster claims, anti-theft, location of vehicle, and age of vehicle.
  • 21st Century may have discounts that include air bags, homeowners, automatic seat belts, early bird, student driver, and theft prevention.
  • Allstate discounts include safe driver, teenSMART discount, anti-lock brakes, resident student, good payer, and economy car.

If you want inexpensive insurance quotes, ask every company which discounts you may be entitled to. Some discounts listed above might not be offered in your state.

What insurance coverages do I need?

When buying coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

  • Is my teenager covered with friends in the car?
  • Do I need motorclub coverage?
  • Do I have coverage when making deliveries for my home business?
  • Do I need replacement cost coverage on my 2017 Hyundai Santa Fe?
  • Is my 2017 Hyundai Santa Fe covered for smoke damage?
  • How do I insure my teen driver?
  • Should I have combined single limit or split liability limits?
  • Should I have a commercial auto policy?
  • Do I have coverage for damage caused while driving under the influence?
  • When should I not file a claim?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Informed drivers know how to quote insurance coverage cheaper

Lots of things are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but some are more obscure like your vehicle usage or your vehicle rating.An important part of buying insurance is that you know the rating factors that go into determining the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that could help you find cheaper rates.

The items below are some of the factors insurance coverage companies consider when setting your prices.

  • Bundle and save – Most major companies provide discounts to customers who consolidate policies with them. It’s known as a multi-policy discount. Even though this discount sounds good, drivers will still want to compare rates to verify if the discount is saving money. You may still be able to save even more than the discount even if you insure with multiple companies
  • Policy add-ons can waste money – Insurance policies have a lot of additional extra coverages that you can get tricked into buying if you aren’t careful. Coverages like rental car reimbursement, death and dismemberment, and motor club memberships could be just wasting money. You may think they are a good idea when discussing your needs, but if you don’t need them remove them and pocket the money.
  • How much liability insurance do you need? – Liability coverage provides coverage when you are found to be at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage which can cost a lot. This coverage is very inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Male costs may be higher – Statistics show that females tend to be a little less risky than males. Now that doesn’t mean females are better at driving than males. Males and females get in at-fault accidents in similar percentages, but the male of the species tend to have more serious accidents. Not only that, but men also get cited for more serious violations like DWI (DUI) or reckless driving.
  • A lcoverage lapse is a bad thing – Having a gap between insurance policy dates is a fast way to bump up your insurance coverage costs. In addition to paying higher rates, the inability to provide proof of insurance could earn you a fine, jail time, or a revoked license.
  • Having a spouse can lower costs – Getting married can actually save you money on your insurance coverage bill. Marriage translates into being more stable financially and statistics prove drivers who are married are more cautious.
  • Big city or small town – Residing in areas with lower population can save you money when buying insurance coverage. Fewer people means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities tend to have much more traffic and more severe claims. More time commuting can result in more accidents.

Beware of misleading insurance coverage ads

Well-known insurance coverage companies like 21st Century, Allstate and State Farm continually stream ads on TV and radio. All the ads make the point that you’ll save big just by switching your insurance coverage coverage to their company. How is it possible that every company can offer drivers better rates? This is the trick they use.

Insurance providers give the best rates for the type of driver that earns them the most money. For example, this type of insured might be over the age of 45, is a homeowner, and drives a car with an anti-theft system. Any new insured that hits that “sweet spot” will get a cheap rate quote and as a result will probably save if they switch.

Drivers who cannot meet this stringent profile will be quoted a higher rate and this results in business going elsewhere. If you listen to the ad wording, they say “customers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can lure you into getting a quote.

This really drives home the point why you absolutely need to compare quotes as often as possible. Because you never know which insurance coverage company will have the best car insurance rates for your profile.

Educate yourself about insurance coverages

Learning about specific coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, crashing into a building, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, hitting a bird, hitting a deer and damage from flooding. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability – This can cover damage that occurs to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as repair bills for other people’s vehicles, pain and suffering, loss of income, medical services and court costs. How much coverage you buy is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for short-term medical expenses like surgery, X-ray expenses and nursing services. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Power to the consumer

Budget-conscious 2017 Hyundai Santa Fe insurance is available online and from local insurance agents, so you need to shop insurance with both so you have a total pricing picture. There are still a few companies who may not offer rates over the internet and these regional insurance providers provide coverage only through independent agents.

When shopping online for insurance coverage, it’s a bad idea to buy poor coverage just to save money. In too many instances, an insured cut full coverage and found out when filing a claim that they should have had better coverage. Your goal is to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

We’ve covered many ways to reduce 2017 Hyundai Santa Fe insurance premium rates online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with some of the lesser-known companies. They often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

Additional insurance coverage information can be read on the following sites: