2014 Hyundai Santa Fe Sport Car Insurance Quotes – 7 Tips to Save

Searching for cheaper insurance coverage rates for your Hyundai Santa Fe Sport? No sane person loves paying for insurance coverage, particularly when their premiums are too high. You have so many insurers to buy insurance from, and although it’s nice to have multiple companies, so many choices can make it hard to adequately compare rates.

Pricing more affordable coverage is easy if you know what you’re doing. If you have insurance now or need new coverage, you can use these tips to find better prices while maintaining coverages. Drivers just need to understand the proper methods to buy auto insurance over the internet.

More discounts mean cheap premiums

Car insurance can be pricey, but you can get discounts to help offset the cost. Many discounts should be triggered at quote time, but a few must be asked for in order for you to get them.

  • Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Auto/Home Discount – If you combine your homeowners and auto policies with the same insurance company you could save nearly 15% which can help you find cheaper insurance coverage.
  • Cautious Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on Santa Fe Sport coverage than drivers with accident claims.
  • No Charge for an Accident – This isn’t a discount exactly, but companies like Liberty Mutual and Geico will turn a blind eye to one accident before hitting you with a surcharge with the catch being you have to be claim-free for a particular time prior to the accident.
  • Onboard Data Collection – Drivers who agree to allow driving data submission to monitor driving manner remotely such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they have good driving habits.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
  • Renewal Discounts – A few larger companies allow discounts for switching companies prior to your current policy expiration. It can save you around 10%.

Consumers should know that many deductions do not apply to the entire cost. A few only apply to specific coverage prices like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But any discount will lower the amount you have to pay.

If you would like to see a list of insurers that provide some of the discounts listed above, click here to view.

It’s not one size fits all

When it comes to buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help you determine if you would benefit from professional advice.

  • Am I better off with higher deductibles on my 2014 Hyundai Santa Fe Sport?
  • What happens if I owe more than my 2014 Hyundai Santa Fe Sport is worth?
  • Does my 2014 Hyundai Santa Fe Sport need full coverage?
  • Why am I required to buy liability insurance?
  • Am I getting all the discounts available?
  • When should I buy a commercial auto policy?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Insurance coverage considerations

Having a good grasp of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as hospital visits, funeral costs, chiropractic care and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This protects you from damage or injury you incur to other people or property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, structural damage, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, falling objects and a broken windshield. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Santa Fe Sport from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Shop around and save

Some companies may not offer rate quotes online and these smaller providers work with independent insurance agents. The cheapest 2014 Hyundai Santa Fe Sport insurance is available online as well as from independent agents, so you need to compare both to have the best selection.

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. In many cases, someone dropped collision coverage only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy enough coverage at the lowest possible cost, not the least amount of coverage.

More resources