Lower Your 2015 Hyundai Santa Fe Sport Insurance Quotes

Are you overwhelmed by the dozens of auto insurance options? You’re not alone. Drivers have so many options that it can easily become more work than you anticipated to find the best price.

Consumers should take time to take a look at other company’s rates periodically because insurance rates are variable and change quite frequently. Even if you think you had the best rates for Santa Fe Sport insurance on your last policy a different company probably has better rates today. There is too much inaccurate information about auto insurance on the internet, so we’re going to give you some guaranteed methods to reduce your auto insurance bill.

How to Compare Car Insurance Costs

When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. One of the best ways to find competitive 2015 Hyundai Santa Fe Sport insurance rates is to get quotes online. This is very easy and can be done in a couple of different ways.

  1. The easiest and least time consuming way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This method prevents you from having to do boring form submissions for every car insurance company. Just one form will get you rate comparisons instantly. It’s definitely the quickest method.
  2. A different way to get quotes online requires a visit to each company website and request a quote. For examples sake, let’s assume you want comparison quotes from State Farm, 21st Century and Farmers. You would have to go to every website and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.
  3. The least efficient method to compare rates is to spend your day driving to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the personal advice of a local agent. Drivers can get prices online but buy from a local insurance agent. We’ll cover that shortly.

However you get your quotes, compare the exact same information on every quote. If you are comparing different liability limits it will be very difficult to truly determine the lowest rate. Quoting even small variations in limits may result in large price differences. It’s important to know that quoting more helps locate better pricing.

Buyer beware of auto insurance advertising tricks

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to have a common claim of big savings if you move to them. How does each company make almost identical claims?

Different companies have a preferred profile for the right customer they prefer to insure. For instance, a driver they prefer could be over the age of 50, has no driving citations, and drives less than 7,500 miles a year. Any driver who fits that profile will get the preferred rates and therefore will save a lot of money.

Potential customers who don’t measure up to the “perfect” profile will have to pay higher prices and ends up with business going elsewhere. The ads say “customers that switch” not “people who quote” save that kind of money. This is how insurance companies can confidently make those claims.

Because of the profiling, drivers should quote coverage with many companies. Because you never know the company that will give you the biggest savings on Hyundai Santa Fe Sport insurance.

Complexity of Hyundai Santa Fe Sport insurance rates

It’s important that you understand the different types of things that go into determining your insurance rates. Understanding what determines base rates helps enable you to make changes that may reward you with much lower annual insurance costs.

Listed below are some of the items that factor into rates.

  • Marriage brings a discount – Being married helps lower the price when buying insurance. It usually means you are more mature and responsible and it’s proven that drivers who are married are more cautious.
  • Multiple policies with one company can save – Some companies provide better rates to customers who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible.
  • Too many insurance claims drive up costs – Car insurance companies provide discounts to insureds who are claim-free. If you file claims often, you can definitely plan on either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Traffic violations increase rates – Whether or not you get tickets has a huge affect on how much you pay. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Even one ticket can bump up the cost by twenty percent. Drivers with dangerous tickets such as DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Rate your vehicle for proper use – The more you drive every year the higher your rates will be. Almost all companies rate vehicles based on how the vehicle is used. Autos that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. If your policy improperly rates your Santa Fe Sport may be wasting your money. Verify your insurance policy shows the correct driver usage, because it can save money.
  • Low deductibles can be expensive – Deductibles for physical damage represent how much money you are willing to pay if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered would be colliding with a building, collision with an animal, or theft. The more money the insured has to pay upfront, the bigger discount you will receive for Santa Fe Sport insurance.
  • Are you male or female? – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. They both tend to get into accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as reckless driving.

Save big with these discounts

Insurance can cost an arm and a leg, but there are discounts available to reduce the price significantly. Some trigger automatically when you get a quote, but a few need to be inquired about before you get the savings.

  • Accident Waiver – Certain companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
  • Own a Home – Being a homeowner can save you money because of the fact that having a home shows financial diligence.
  • Life Insurance – Larger companies have lower rates if you buy a life insurance policy as well.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Low Mileage – Driving fewer miles can qualify you for a substantially lower rate.
  • Defensive Driver – Taking a course in driver safety could cut 5% off your bill depending on where you live.
  • Senior Discount – Mature drivers may receive better car insurance rates for Santa Fe Sport insurance.

Drivers should understand that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will bring down the cost of coverage.

Car insurance companies who might offer these benefits include:

It’s a good idea to ask every prospective company what discounts are available to you. Savings may not be available in your state.

But I don’t know anything about car insurance

When choosing the best insurance coverage coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions could help you determine if you may require specific advice.

  • I have a DUI can I still get coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Will my insurance pay for OEM parts?
  • Am I covered if I wreck a rental car?
  • Should I waive the damage coverage when renting a car?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I buy only the required minimum liability coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability car insurance

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like structural damage, loss of income, legal defense fees, medical expenses and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Auto collision coverage

Collision coverage will pay to fix damage to your Santa Fe Sport resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This pays for 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 protects against things like damage from getting keyed, theft, a broken windshield, hitting a bird and hitting a deer. The maximum payout a car 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 it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses such as pain medications, nursing services and X-ray expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2015 Hyundai Santa Fe Sport.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Have the Midas touch

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced liability coverage limits only to regret that they should have had better coverage. Your strategy should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

In this article, we covered some good ideas how you can save on 2015 Hyundai Santa Fe Sport insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even find the most savings is with a lesser-known regional company.

Affordable insurance is definitely available online and with local insurance agents, so you should be comparing quotes from both to have the best selection. A few companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

Additional auto insurance information is available below: