How Much Does 2004 Hyundai Santa Fe Car Insurance Cost?

Searching for cheaper car insurance rates? Consumers have a choice when looking for affordable Hyundai Santa Fe insurance. You can either waste hours calling around to compare prices or use the internet to compare rates. There is a right way and a wrong way to compare car insurance rates so you’re going to learn the proper way to quote coverages on a Hyundai and find the cheapest rates.

If you have insurance now or are shopping for new coverage, you can follow these tips to get lower rates while maximizing coverage. This information will let you in on how to get online quotes and some tricks to saving. Consumers just need to understand the best way to compare company rates online.

Insurance coverage quotes comparison

There are several ways you can shop for insurance coverage but some are more efficient than others. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can stay home and use the internet to get prices fast.

Most car insurance companies enroll in a system where prospective buyers only type in their quote data once, and every company can give them a price. This system prevents you from having to do form submissions for each company.

To compare pricing click here (opens in new window).

The one disadvantage to doing it this way is you can’t choose which companies to receive prices from. So if you prefer to pick individual companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but compare identical quote information on every price quote you get. If you enter unequal deductibles or liability limits you can’t possibly make an equal comparison.

Cheaper rates by getting discounts

Car insurance companies do not list all possible discounts very clearly, so the following list contains both well-publicized and also the more inconspicuous discounts that may be available. If you do not double check each discount you deserve, you are not getting the best rate possible.

  • Life Insurance – Companies who offer life insurance give better prices if you take out some life insurance in addition to your auto policy.
  • Discount for Multiple Policies – If you combine your homeowners and auto policies with one company you may earn at least 10 to 15 percent or more.
  • Discount for Good Grades – Getting good grades may save as much as 25% on a auto insurance quote. Earning this discount can benefit you well after school through age 25.
  • Government Employee Discount – Employees or retirees of the government could cut as much as 10% off on Santa Fe insurance depending on your company.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Professional Organizations – Having an affiliation with certain professional organizations is a good way to get lower rates on your next renewal.
  • Military Discounts – Having an actively deployed family member could trigger a small discount.
  • Discounts for Good Drivers – Safe drivers may receive a discount up to 45% on Santa Fe insurance as compared to drivers with claims.
  • Accident Free – Insureds with no claims or accidents can earn big discounts as compared to drivers with a long claim history.

As is typical with insurance, most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, you won’t be that lucky.

Companies that possibly offer these money-saving discounts include:

Before you buy a policy, ask all the companies how you can save money. Some discounts listed above might not apply everywhere. To see car insurance companies who offer discounts, click this link.

Your car insurance coverage should be tailored to you

When choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need replacement cost coverage on my 2004 Hyundai Santa Fe?
  • Can I rent a car in Mexico?
  • Is my state a no-fault state?
  • Should I rate my 2004 Hyundai Santa Fe as pleasure use or commute?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I better off with higher deductibles on my 2004 Hyundai Santa Fe?
  • Is my babysitter covered when using my vehicle?
  • I don’t drive much so do I pay less?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Why informed consumers pay less for Hyundai Santa Fe insurance

Many things are considered when pricing auto insurance. Some factors are common sense such as your driving record, but others are not quite as obvious like your continuous coverage and annual miles driven.

Listed below are a few of the “ingredients” used by companies to determine prices.

  • Good credit saves on insurance coverage – Having a bad credit score can be an important factor in calculating your premium rate. If your credit score is lower than you’d like, you could pay less to insure your 2004 Hyundai Santa Fe by improving your rating. Drivers who have excellent credit scores tend to be more responsible as compared to drivers with poor credit.
  • Raising physical damage deductibles lowers costs – Physical damage deductibles tell how much you are willing to pay if you file a covered claim. Protection for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are rearending another vehicle, damage caused by hail, and damage caused by road hazards. The more you have to pay, the bigger discount you will receive on Santa Fe insurance.
  • Better insurance coverage rates on cars with good safety ratings – Safe vehicles tend to be cheaper to insure. Vehicles built for safety reduce injuries and better occupant protection means less claims paid and more competitive rates for policyholders.
  • Get better rates if married – Walking down the aisle may earn you lower rates when buying insurance coverage. Having a significant other demonstrates that you tend to be less irresponsible it has been statistically shown that drivers who are married file infrequent claims.
  • Where you live is a factor – Choosing to live in less populated areas has it’s advantages when it comes to insurance coverage. Lower population corresponds to lower accident rates as well as less vandalism and auto theft. City drivers regularly have much more traffic and longer commutes to work. More time on the road means a statistically higher chance of an accident.
  • Continuous coverage saves money – Allowing your coverage to lapse is a fast way to bump up your insurance coverage costs. In addition to paying higher rates, getting caught without coverage may earn you fines and jail time.

Car insurance coverages for a Hyundai Santa Fe

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses for things like rehabilitation expenses, surgery, prosthetic devices, X-ray expenses and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Hyundai Santa Fe.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have 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.

Liability coverage pays for claims like pain and suffering, medical services, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Collision protection

Collision coverage covers damage to your Santa Fe resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, sideswiping another vehicle, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Have money to burn

We’ve covered many ways to compare 2004 Hyundai Santa Fe insurance premium rates online. The most important thing to understand is the more you quote auto insurance, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a small mutual company.

People change insurance companies for any number of reasons including not issuing a premium refund, an unsatisfactory settlement offer, poor customer service and lack of trust in their agent. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.

Lower-priced 2004 Hyundai Santa Fe insurance can be found on the web in addition to many insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies may not have online quoting and many times these small, regional companies only sell coverage through independent agents.

More detailed insurance information is available in the articles below:

Comments About 2004 Hyundai Santa Fe Insurance

  1. Brent Hayes

    I think I’m paying too much. Checking in from Anchorage, Alaska. Got car insurance quotes with Auto-Owners, Nationwide, and a few others for my Santa Fe and saved $93 a year. I got a quote from their website. When should I drop full coverage?

  2. Loyce Lambert

    I got quite a few price quotes for a 2004 Hyundai Santa Fe in Minneapolis, Minnesota. Ended up at about $100 every six months with AIG Insurance. I have several vehicles insured with them. :) Just liability coverage since it’s getting old.

  3. Ariel Albert

    Liked the article. Went with MetLife for my 2004 Hyundai Santa Fe and saved about $110 a year. Hardly afford to drive anymore.

  4. Lane Ruiz

    From east side of Bellevue, NE. Checked online prices for a 2004 Hyundai Santa Fe. Ended up at about $80 savings annually. Went with State Farm. Even increased my liability limits. I got prices on the web. Only insure liability on my Hyundai.

  5. Ellis Velez

    All companies are crooks. I live just to the south of Madison, WI. I got free quotes with 21st Century, Auto-Owners, and some I forget for my Hyundai and saved $61 a year. My new agent seems to be really good.

  6. Esther Morris

    I got decent rates for a 2004 Hyundai Santa Fe in Kansas City, MO. Ended up at roughly $80 every six months with Auto-Owners. When should I drop full coverage?

  7. Modesto Landry

    Proud to be from Parkersburg, WV. Quoted with Hanover, Auto-Owners, Nationwide, and a couple others for my Hyundai and I think I cut my rates about $20 each month. Insured with GEICO before. Have an at-fault accident tho. Just liability coverage since it’s getting old.

  8. Son Zamora

    If you have a good history and live in the vicinity of Kailua, HI, check out Allstate. I saved quite a bit. They were helpful in switching over.

  9. Ann Cabrera

    If you have a good history and live around Norman, Oklahoma, check out Allstate. They seem to be cheaper. Was with Auto-Owners. Good savings if you bundle. Just go online and compare their rates.

  10. Lamonica Tyson

    Will Progressive raise rates after an accident?

  11. Letitia Mclean

    Corporate greed I’m telling you. From north side of Evansville, Indiana. Got car insurance quotes with State Farm, AAA, and some I forget for my Hyundai and saved just over $60 a year.