Fastest Guide to Cheaper Hyundai Santa Fe Car Insurance Rates

Shoppers have options when shopping for the best price on Hyundai Santa Fe insurance. They can either spend hours struggling with agents getting price quotes or leverage the internet to get rate quotes. There is a better way to find car insurance online and we’ll show you the best way to get price quotes for a Hyundai and get the lowest price from local insurance agents and online providers.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you should be able to save some money using this information. Consumers just need to understand the proper methods to shop their coverage around online.

Hyundai Santa Fe insurance rates are influenced by…

An important part of buying insurance is that you know the rating factors that come into play when calculating car insurance rates. Knowing what influences your rates helps enable you to make changes that could result in better car insurance rates.

The list below includes some of the items that factor into premiums.

  • Sex matters – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men cause accidents in similar numbers, but the males cause more damage. They also get more serious tickets like DUI and reckless driving. Teenage male drivers are the most expensive to insure and thus pay the highest rates.
  • Rural vs Urban Areas – Being located in a small town can be a good thing when buying car insurance. Drivers in populated areas have much more traffic and longer commute times. Lower population means reduced accidents and also fewer theft and vandalism claims.
  • What type of vehicle do you drive? – The performance of the vehicle you are insuring makes a significant difference in the rate you pay. The most favorable rates tend to be for lower performance four cylinder passenger cars, but other factors influence the final cost greatly. Because the Hyundai Santa Fe is considered a standard SUV, rates will be slighty more as compared to the average rate.
  • Choose a safe vehicle and save – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Hyundai Santa Fe earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Save money with special equipment – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.

Car Insurance Comparisons

Finding a better price on car insurance is not rocket science. You just have to invest a little time getting comparison quotes online with multiple companies. This can be accomplished in a couple of different ways.

The first (and easiest) way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do boring form submissions for every car insurance company. Filling out one form will get you rate comparisons instantly. This is by far the quickest method.

A more difficult way to shop for car insurance online requires visiting the website for every company you want to comare to request a price quote. For examples sake, let’s assume you want to compare Nationwide, Allstate and GEICO. To get each rate you have to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

For a list of links to insurance companies in your area, click here.

The most time-consuming way to get comparison rates is to drive around to different agent offices. Shopping for car insurance online makes this process obsolete unless you require the trained guidance only provided by licensed agents. It is possible to get prices online and still use a local agent and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just be sure to compare apples-to-apples coverage information on every quote you get. If you compare different values for each quote it will be impossible to decipher which rate is best.

The fine print in car insurance ads

Consumers constantly see and hear ads for cheaper car insurance by companies like State Farm, GEICO and Progressive. All the companies make the same claim that you can save if you change to them.

But how can every company make almost identical claims? This is how they do it.

Insurance companies have a preferred profile for the right customer that makes them money. For example, a desirable insured might be between the ages of 40 and 55, has no tickets, and has a high credit rating. A driver who fits that profile gets the lowest rates and most likely will pay quite a bit less when switching companies.

Drivers who do not match these standards must pay higher prices which leads to business not being written. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can make the claims of big savings. This illustrates why you absolutely need to quote coverage with many companies. It’s just too difficult to predict the company that will give you the biggest savings.

More discounts equal less premium

Companies offering auto insurance don’t necessarily list every discount very well, so we researched both the well known and also the lesser-known discounts you could be receiving. If you don’t get every credit you deserve, you are throwing money away.

  • Homeowners Savings – Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and don’t have a car may qualify for this discount.

Consumers should know that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of insurers offering car insurance discounts, follow this link.

Won’t my local insurance agent miss me?

Some people just want to talk to a local agent and that is OK! Good agents can help determine the best coverages and help file insurance claims. The biggest benefit of comparing rates online is you may find the lowest rates and still have an agent to talk to.

After completing this quick form, the coverage information is instantly submitted to companies who will battle for your business. There is no need to even leave your home as quotes are delivered directly to your email. Now that’s easy!

Choosing an insurance company should depend on more than just a cheap price. Any agent should have no problem answering these questions:

  • Will your rates increase after a single accident?
  • Is assistance available after office hours?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Are there any discounts that you might be missing?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Does the agency have a good rating with the Better Business Bureau?

If you prefer to view a list of agents in your state to contact, click here.

Once you have received positive feedback to all your questions as well as a affordable price, chances are good that you have found an provider that is a good match to service your policy.

Everyone needs different coverages

When it comes to buying coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

quote Santa Fe insurance

For example, these questions can help discover whether you would benefit from professional advice.

  • What vehicles should carry emergency assistance coverage?
  • Can I still get insurance after a DUI?
  • Does my Hyundai Santa Fe qualify for pleasure use?
  • Are my friends covered when driving my Hyundai Santa Fe?
  • What if I total my Hyundai Santa Fe and owe more than it’s worth?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have coverage when using my vehicle for my home business?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

In Summary

We’ve covered a lot of techniques to lower your Hyundai Santa Fe insurance rates. The key concept to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from a small local company.

Consumers who switch companies do it for a variety of reasons including delays in paying claims, high prices, an unsatisfactory settlement offer and denial of a claim. Regardless of your reason, finding the right car insurance provider is actually quite simple.

As you restructure your insurance plan, do not reduce needed coverages to save money. There have been many situations where drivers have reduced collision coverage only to find out that they should have had better coverage. Your aim should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.