How Much Does 2013 Hyundai Tucson Insurance Cost?

Looking for better insurance rates? Shoppers have a choice when shopping for affordable Hyundai Tucson insurance. They can either waste time struggling with agents to get rate comparisons or use the internet to compare rates. There is a right way and a wrong way to compare insurance rates and we’ll show you the best way to get price quotes on a Hyundai and find the best price possible.

If you have insurance now or are looking for a new policy, you can learn to cut your premiums and still get good coverage. The purpose of this post is to familiarize you with how car insurance quotes work and some tips to save money. Drivers just need to know the proper way to shop for car insurance over the internet.

Complexity of Hyundai Tucson insurance rates

An important part of buying insurance is that you know the factors that go into determining your insurance coverage rates. Having a good understanding of what influences your rates enables informed choices that will entitle you to better insurance coverage rates.

Listed below are some of the items insurance coverage companies consider when setting prices.

  • Never allow your policy to lapse – Driving with no insurance is illegal and your next policy will cost more because you let your insurance lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Rural vs Urban Areas – Residing in a small town can save you money when buying insurance coverage. Lower population means a lower chance of having an accident and a lower car theft rate. City drivers tend to have traffic congestion and a longer drive to work. Longer commute distances means higher likelihood of an accident.
  • Men are more aggressive – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Women and men tend to get into accidents in similar numbers, but men tend to have more serious accidents. Men also get more serious tickets like reckless driving and DUI.
  • More than one policy can earn a discount – Some insurance companies give discounts to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even though this discount sounds good, it’s still a good idea to compare rates to make sure you are getting the best deal.
  • Pleasure use saves money – The more you drive each year the higher your rate. Most insurance companies apply a rate based on how the vehicle is used. Vehicles not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your insurance coverage policy shows the correct driver usage. If your policy improperly rates your Tucson can result in significantly higher rates.
  • Don’t skimp on liability – Liability insurance is the protection if a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • Poor credit can mean higher rates – Your credit rating is a huge factor in your rate calculation. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with poor credit. Therefore, if your credit history can use some improvement, you could pay less to insure your 2013 Hyundai Tucson by improving your rating.

The quickest method to compare rate quotes utilizes the fact most of the larger companies provide online access to quote your coverage. The only thing you need to do is take a few minutes to give details such as if your license is active, whether you have decent credit, how many miles driven, and whether you are single or married. That rating information is instantly submitted to multiple companies and you get price estimates instantly.

To check rates for your , click here and see if a lower rate is available.

Take discounts and save

Companies that sell car insurance don’t list every discount very clearly, so we break down both well-publicized and also the lesser-known ways to save on car insurance. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in high school.
  • Good Students Pay Less – This discount can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because maintaining a house is proof that your finances are in order.
  • No Claims – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before your rates go up if you are claim-free for a set time period.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

Consumers should know that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, you’re out of luck.

Insurance companies that may have these money-saving discounts are:

It’s a good idea to ask each company which discounts you may be entitled to. Discounts might not apply everywhere.

Which policy gives me the best coverage?

When it comes to buying coverage, there really is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

  • Am I covered when pulling a rental trailer?
  • Why am I required to buy high-risk coverage?
  • Can I drive in Mexico and have coverage?
  • Is my 2013 Hyundai Tucson covered for smoke damage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when driving a rental car?
  • Is my Hyundai Tucson covered if I use it for business?
  • Do I pay less if my vehicle is kept in my garage?
  • What vehicles should carry emergency assistance coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Educate yourself about insurance coverages

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, hail damage and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses for things like hospital visits, pain medications and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance pays for damage to your Tucson from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, crashing into a building, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Hyundai Tucson.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability insurance

Liability insurance will cover damage or injury you incur to a person or their property. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like attorney fees, pain and suffering, medical services, loss of income and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Quote often and quote early

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. Too many times, drivers have reduced comprehensive coverage or liability limits and learned later that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

The cheapest 2013 Hyundai Tucson insurance can be purchased both online and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Drivers who switch companies do it for many reasons like high rates after DUI convictions, policy non-renewal, extreme rates for teen drivers or denial of a claim. No matter why you want to switch, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

More detailed auto insurance information can be read in these articles: