2005 Hyundai Santa Fe Car Insurance Quotes – 7 Tips for Cheapest Rates

Wish you could get out of overpriced insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

With so many choices, it can be diffult for drivers to pick the best insurance company.

Smart consumers take time to quote other rates before your next renewal because insurance prices go up and down regularly. If you had the best rates on Santa Fe insurance a year ago there is a good chance you can find better premium rates now. Ignore everything you know about insurance because you’re going to learn the only way to properly buy coverages and cut your premium.

Save with these seven discounts

Some providers don’t list the entire discount list very clearly, so the below list has both well-publicized and also the lesser-known savings tricks you should be using when you buy insurance coverage online. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.

  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you may have a lower total premium amount.
  • College Student Discount – Older children who live away from home at college without a vehicle on campus can receive lower rates.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it can save substantially.
  • Home Ownership Discount – Just owning your own home can earn you a little savings because owning a home means you have a higher level of financial diligence.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
  • Auto/Life Discount – If the company offers life insurance, you could get a break if you buy a life insurance policy as well.

A little disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like you can get free auto insurance, it just doesn’t work that way.

A list of companies and some of the premium reductions they offer are shown below.

  • State Farm may include discounts for good student, passive restraint, safe vehicle, Steer Clear safe driver discount, multiple autos, good driver, and driver’s education.
  • Liberty Mutual discounts include newly retired, hybrid vehicle, preferred payment discount, multi-car, and teen driver discount.
  • American Family policyholders can earn discounts including Steer into Savings, early bird, defensive driver, good student, and mySafetyValet.
  • Progressive offers premium reductions for good student, homeowner, multi-policy, online signing, online quote discount, and multi-vehicle.
  • Farmers Insurance offers discounts including bundle discounts, alternative fuel, switch companies, good student, and early shopping.
  • Auto-Owners Insurance has savings for mature driver, safe driver, teen driver, safe vehicle, company car, paid in full, and good student.
  • SAFECO may have discounts that include accident prevention training, teen safety rewards, anti-lock brakes, anti-theft, homeowner, bundle discounts, and teen safe driver.

Before you buy a policy, ask every company how many discounts you can get. Some of the earlier mentioned discounts might not be available to policyholders in your area. For a list of companies that provide some of the discounts listed above, click this link.

How to find affordable insurance

The majority of larger companies such as Allstate and Progressive allow you to get insurance quotes on the web. Getting online quotes is quite easy as all you need to do is type in the amount of coverage you want into the form. Upon sending the form, their quoting system makes automated requests for reports for credit and driving violations and quotes a price. This helps simplify price comparisons, but the process of having to visit each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to compare as many rates as possible if you are searching for a lower rate.

There is a better way!

The smarter way to find lower prices is to use a quote form that analyzes rates from several companies at one time. This type of form saves time, requires much less work on your part, and makes online price comparison much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated and you can select any of the pricing results. If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process takes just a few minutes to complete and you will know how your current rates stack up.

To save time and find out if lower rates are available, click here to open in new window and enter your information. If you have your current policy handy, we recommend you type in coverages and limits as close as possible to your current policy. Doing this assures you will receive a fair comparison for the exact same coverage.

Special considerations

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different so your insurance should reflect that For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need more liability coverage?
  • Exactly who is provided coverage by my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my teen driver covered when they drive my company car?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverage considerations

Knowing the specifics of your insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Liability coverage

Liability insurance can cover damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like repair costs for stationary objects, pain and suffering, medical services, court costs and emergency aid. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from flooding, a broken windshield, theft, rock chips in glass and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like X-ray expenses, doctor visits and pain medications. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, rolling your car, damaging your car on a curb, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Hyundai Santa Fe.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Don’t throw your cash in the trash

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Low-cost 2005 Hyundai Santa Fe insurance can be found from both online companies as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not offer rates over the internet and many times these small, regional companies only sell coverage through independent agents.

Throughout this article, we presented a lot of techniques to lower your 2005 Hyundai Santa Fe insurance premium rates. The most important thing to understand is the more quotes you get, the better likelihood of getting inexpensive insurance coverage. Consumers could even find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. Smaller companies often have lower prices on specific markets than their larger competitors like Allstate, Geico and Progressive.

More information can be found on the following sites:

Comments About 2005 Hyundai Santa Fe Insurance

  1. Kelsey Hawkins

    Thanks for putting this site together. Located in Overland Park, KS. I got free quotes from Amica, Mercury, and Western Auto Insurance for my Hyundai and saved about $430 a year. Hopefully won’t need it. It never hurts to quote around.

  2. Althea Kennedy

    Got a quote with Allstate for my 2005 Hyundai Santa Fe and saved about $160 a year. A clean driving record helps.

  3. Lyndsey Madden

    What exactly does liability cover?

  4. Summer Middleton

    Hope my car insurance gets cheaper. From northwest of Charleston, SC. Got quotes from AAA, Erie, and Safeco for my Hyundai and saved just over $260 a year. I quoted rates online then called them.

  5. Dorothy Myers

    Are 21st Century rates cheap in Hawaii?

  6. Darrick Morrison

    I’m in Portland, OR. Can’t remember who all I quoted but I ended up saving about $50 each month. Was with AIG Insurance.

  7. Jenise King

    Will Progressive raise rates for a small claim?

  8. Lilli Thomas

    From Memphis, Tennessee. Got free quotes online for a 2005 Hyundai Santa Fe. Ended up at about $260 savings annually. Went with GEICO. A clean driving record helps. It’s easy to compare rates online now.

  9. Adelia Dickerson

    I got decent rates for a 2005 Hyundai Santa Fe in Cincinnati, Ohio. Ended up at right around $430 every six months with AAA. Was with Progressive.

  10. Cindy Bond

    I got decent rates for a 2005 Hyundai Santa Fe in Madison, WI. Ended up at right around $240 every six months with AAA.

  11. Catherine Fernandez

    GEICO is pretty cheap in Arkansas! :)

  12. Minna Olson

    Does Allstate have low rates for teen drivers?

  13. Vern Brennan

    I live just to the west of San Antonio, TX. I quoted with Allstate, Hanover, and Farmers for my 2005 Hyundai Santa Fe and saved around $420 a year.

  14. Michell Townsend

    Mine is so expensive. Located in Philadelphia, PA. Quoted a bunch of companies. Saved roughly $60 a month. GEICO was the cheapest option for me. I get lower rates because of my clean driving record.

  15. Valentin Stephenson

    Well-written and thought out article. Got a quote with Mercury for my 2005 Hyundai Santa Fe and saved about $420 a year. Was with American Family. A clean driving record helps. Did it all online.

  16. Keira Robbins

    Cheap is relative. I live south of Cranston, RI. I got free prices from State Farm, Auto-Owners, Erie, and Hartford for my Hyundai and am saving around $200 a year.

  17. Ming Moreno

    Lots of good stuff here. From east side of Aurora, CO. Quoted prices online for a 2005 Hyundai Santa Fe. Ended up at about $370 savings annually. Went with 21st Century. Was with Encompass. Teenage drivers are expensive! Not sure if rates are cheaper online or through an agent.