2018 Hyundai Santa Fe Car Insurance Quotes

Scraping up a payment for expensive Hyundai Santa Fe insurance can take a big chunk out of your checking account and make it impossible to make ends meet. Performing a rate comparison can lower your rates and help to tighten up your finances.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm continually bombard you with TV and radio ads and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

The Hyundai Santa Fe insurance cost equation

Smart consumers have a good feel for the different types of things that help calculate car insurance rates. When you understand what determines base rates, this allows you to make good choices that may result in better car insurance rates.

The itemized list below are just a few of the factors companies use to determine premiums.

  • Tickets can be expensive – Having a clean driving record has a big impact on rates. Just one speeding ticket or other violation can boost insurance rates substantially. Drivers who don’t get tickets get better prices than bad drivers. Drivers who have received multiple violations such as DUI or willful reckless driving may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Certain employers pay higher car insurance rates – Did you know your job can affect your rates? Jobs such as military personnel, business owners and emergency personnel usually pay higher rates than average in part from intense work requirements and long work hours. On the flip side, jobs like actors, students and homemakers receive lower rates for Santa Fe coverage.
  • Theft deterrents save – Choosing to buy a car with a theft deterrent system can earn a premium discount. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder vehicle theft.
  • Insure car and home with the same company – Most major companies provide lower prices for people that have more than one policy such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even if you’re getting this discount it’s still a good idea to compare rates to confirm you are receiving the best rates possible. It’s possible to still save money even if you insure with multiple companies
  • Prevent policy lapses – Having a lapse in insurance coverage can be a quick way to pay more for car insurance. Not only will you pay more, getting caught without coverage could result in a fine, jail time, or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.

Earn discounts on insurance coverage

Insurance coverage is not cheap nor is it fun to buy but companies offer discounts that can help lower your rates. Certain reductions will be credited when you purchase, but a few must be specially asked for prior to getting the savings. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease for Santa Fe coverage depending on your insurance coverage provider.
  • Multi-Vehicle Discounts – Buying insurance for all your vehicles on one policy can reduce rates for all insured vehicles.
  • Waiver for an Accident – This isn’t a discount exactly, but some companies like Progressive and Allstate will forgive one accident before hitting you with a surcharge if you have no claims for a set time period.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save a little off the personal injury premium cost.
  • Low Mileage – Maintaining low annual mileage can earn slightly better prices than normal.
  • Telematics Data – Insureds that choose to allow driving data submission to track vehicle usage by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they have good driving habits.
  • Discounts for New Vehicles – Buying insurance on a new vehicle can be considerably cheaper since newer vehicles have better safety ratings.
  • Service Members Pay Less – Being on active deployment in the military could trigger a small discount.

As a sidenote, many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though you would think all those discounts means the company will pay you, companies don’t profit that way.

A few popular companies and some of the discounts can be found below.

  • Progressive may have discounts that include good student, online signing, homeowner, online quote discount, continuous coverage, and multi-vehicle.
  • SAFECO offers discounts for teen safe driver, multi-car, accident prevention training, homeowner, and anti-lock brakes.
  • American Family offers discounts including good driver, air bags, accident-free, mySafetyValet, multi-vehicle, and Steer into Savings.
  • MetLife discounts include accident-free, multi-policy, defensive driver, good student, and claim-free.
  • Geico offers premium reductions for multi-vehicle, anti-theft, daytime running lights, membership and employees, and defensive driver.
  • The Hartford may offer discounts for good student, defensive driver, anti-theft, vehicle fuel type, air bag, and bundle.

It’s a good idea to ask all companies you are considering which discounts can lower your rates. Savings may not apply to policies in your area. If you would like to see a list of insurers that can offer you the previously mentioned discounts, click this link.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can aid in determining if your situation might need an agent’s assistance.

  • When can my company non-renew my policy?
  • What are the financial responsibility laws in my state?
  • Exactly who is provided coverage by my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Is business property covered if stolen from my car?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is extra glass coverage worth it?
  • Is there coverage for injuries to my pets?
  • Are rock chip repairs covered?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverages 101

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on most auto insurance policies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills like EMT expenses, rehabilitation expenses, pain medications, prosthetic devices and dental work. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Hyundai Santa Fe.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverage

This protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical expenses, court costs and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage protection

Collision insurance pays for damage to your Santa Fe resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive auto insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, hail damage and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Save your hard earned cash

We just showed you many ways to get a better price on 2018 Hyundai Santa Fe insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest prices come from a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

Budget-friendly insurance coverage can be sourced online as well as from insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and many times these small insurance companies provide coverage only through independent agents.

Additional information