Lower Your 2014 Hyundai Tucson Car Insurance Cost

Finding cheap premium rates on car insurance could be a challenge for people who are beginners to comparison shopping online. With so many companies, it can turn into hard work to lower your prices.

It’s a good habit to compare rates occasionally because car insurance prices trend upward over time. If you had the best deal for Tucson coverage at your last renewal the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the things you must know in order to remove unneeded coverages and save money.

Compare auto insurance price quotes

When shopping for auto insurance there are multiple ways to compare rate quotes from lots of auto insurance companies. The easiest way to find affordable Hyundai Tucson insurance rates consists of obtaining rate quotes online. This can be accomplished by using one of the methods below.

  1. The most recommended method to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This form eliminates the need for repetitive form entry for every auto insurance company. In just a few minutes this one form gets coverage cost estimates from many national carriers. Just one form and you’re done.
  2. A more time consuming way to find more affordable insurance requires a trip to the website for each individual company and complete a new quote form. For instance, let’s assume you want comparison quotes from Geico, Esurance and Farmers. To do that, you would have to navigate to each company’s site to enter your coverage information, and that’s why the first method is more popular.

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

  3. The final way to compare price quotes is making phone calls or going to insurance agents’ offices. Shopping for auto insurance online eliminates the need for an insurance agent unless you want the professional guidance of a licensed agent. Although, it is possible price shop your coverage online but have a local agent actually write the policy.

Whichever method you choose, double check that you are using apples-to-apples quote information for each quote you get. If you compare different coverage information it’s not possible to make a fair comparison for your Hyundai Tucson. Having just a slight variation in insurance coverages may result in a large different in cost. Keep in mind that comparing more company’s prices will improve the odds of getting more affordable rates. Not every company provides online quotes, so it’s important to compare quotes from them as well.

Save a ton with discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but a few must be requested specifically in order for you to get them.

  • Organization Discounts – Participating in qualifying employment or professional organizations is a simple method to lower premiums on insurance.
  • Savings for New Vehicles – Buying a new car model can cost up to 25% less because new model year vehicles keep occupants safer.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may save over 10 percent off each policy depending on the company.
  • Lower Rates for Military – Having a deployed family member could trigger a small discount.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle up can save 10% or more on the medical payments or PIP coverage costs.
  • Student Discounts – Getting good grades can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote insurance for Tucson coverage but check with your company.
  • Senior Discount – Drivers that qualify as senior citizens may qualify for reduced rates for Tucson coverage.

While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

Larger insurance companies and a partial list of their discounts can be found below.

  • Geico offers discounts including anti-theft, five-year accident-free, daytime running lights, anti-lock brakes, and military active duty.
  • USAA may offer discounts for defensive driver, multi-vehicle, multi-policy, good student, loyalty savings, and driver training.
  • Progressive may include discounts for homeowner, good student, online quote discount, multi-vehicle, multi-policy, online signing, and continuous coverage.
  • American Family has discounts for accident-free, TimeAway discount, early bird, multi-vehicle, and good student.
  • Esurance may have discounts that include DriveSense, good driver, multi-policy, Switch & Save, Pac-12 alumni, and paid-in-full.
  • Farmers Insurance policyholders can earn discounts including electronic funds transfer, homeowner, switch companies, mature driver, and distant student.
  • State Farm has savings for good student, anti-theft, Steer Clear safe driver discount, safe vehicle, and Drive Safe & Save.

When getting a coverage quote, ask all companies you are considering which credits you are entitled to. Some discounts might not be offered on policies in your state. To locate insurance companies with discount rates, click here to view.

What is the best insurance coverage coverage?

When it comes to choosing the best insurance coverage coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether your personal situation will benefit from professional help.

  • Am I covered if my car is in a flood?
  • When should I buy a commercial auto policy?
  • How much can I save by bundling my policies?
  • Should I buy full coverage?
  • Should I rate my 2014 Hyundai Tucson as pleasure use or commute?
  • Are rental cars covered under my policy?
  • Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

How you can control Hyundai Tucson insurance costs

Many factors are part of the equation when quoting car insurance. Most are fairly basic like a motor vehicle report, although others are not as apparent such as your credit history or your commute time.

The factors shown below are some of the major factors used by insurance companies to determine your prices.

  • Keep the miles off and save – Driving a lot of miles every year the more you’ll pay to insure it. Most companies apply a rate based on how the vehicle is used. Cars that sit idle most of the time receive lower rates as compared to vehicles used primarily for driving to work. A policy that improperly rates your Tucson is throwing money out the window. Ask your agent if your insurance coverage declarations sheet reflects how each vehicle is driven, because improper ratings can cost you money.
  • Cars with good safety ratings means better insurance coverage rates – Safer cars can get you lower premiums. Vehicles built for safety reduce the chance of injuries and lower injury rates means less money paid by your insurance company and thus lower rates.
  • Traffic violations are costly – Your driving record impacts your car insurance rates tremendously. Good drivers have lower premiums than bad drivers. Even a single driving citation may increase your cost by as much as twenty percent. Drivers unfortunate enough to have flagrant tickets like hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to drive a vehicle legally.
  • Liability insurance limits should be high – Liability coverage will protect you if a jury decides you are liable for causing personal injury or damage in an accident. It provides legal defense coverage which can cost thousands of dollars. It is affordable coverage compared to physical damage coverage, so buy as much as you can afford.
  • Insure your auto and home with one company – Most insurance companies allow better rates to policyholders who carry more than one policy in the form of a multi-policy discount. This can amount to 10 percent or more. Even if you’re getting this discount drivers will still want to check prices from other companies to ensure the best deal.

Parts of your car insurance policy

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like dental work, EMT expenses and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision – This covers damage to your Tucson caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, hitting a mailbox, damaging your car on a curb, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, damage from getting keyed, theft, damage from a tornado or hurricane and hail damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage – This will cover damage or injury you incur to other people or property that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as bail bonds, loss of income and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Hyundai Tucson.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Be a money saver!

While you’re price shopping online, never buy less coverage just to save a little money. There are many occasions where someone sacrificed full coverage and learned later that they should have had better coverage. The aim is to find the BEST coverage for the lowest cost, not the least amount of coverage.

Consumers switch companies for a variety of reasons including high rates after DUI convictions, policy non-renewal, denial of a claim or questionable increases in premium. No matter why you want to switch, finding a great new company is not as hard as you think.

We just covered a lot of techniques to save on 2014 Hyundai Tucson insurance. The key concept to understand is the more quotes you get, the better likelihood of getting inexpensive insurance. Consumers could even find that the most savings is with some of the lesser-known companies.

More detailed insurance coverage information can be read in the articles below: