2009 Hyundai Tucson Car Insurance Cost – 5 Tips to Save

Searching for the cheapest insurance coverage rates for your Hyundai Tucson? Do you get exhausted from paying out the nose to pay your insurance coverage bill each month? You have the same problem as most other drivers.

Online insurance companies like State Farm, Farmers Insurance, Geico and Allstate all claim big savings with catchy ads and it is difficult to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Lower rates by qualifying for these five discounts

Some providers don’t necessarily list every available discount very clearly, so below is a list both the well known and the more hidden savings tricks you should be using when you buy insurance coverage online. If they aren’t giving you every credit you deserve, you could be paying more than you need to.

  • ABS Brakes – Vehicles with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
  • Auto/Home Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you may earn 10% to 20% off each policy.
  • Defensive Driver – Taking time to complete a class that teaches driver safety techniques could cut 5% off your bill and make you a better driver.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Tucson coverage but check with your company.
  • Claim Free – Good drivers with no accidents can earn big discounts in comparison to drivers with a long claim history.

As a footnote on discounts, most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

Companies and a selection of discounts are:

  • American Family may have discounts that include air bags, good driver, early bird, multi-vehicle, TimeAway discount, good student, and mySafetyValet.
  • Farm Bureau may include discounts for renewal discount, 55 and retired, multi-policy, driver training, multi-vehicle, and good student.
  • State Farm offers discounts including safe vehicle, driver’s education, multiple policy, good student, Drive Safe & Save, defensive driving training, and Steer Clear safe driver discount.
  • Travelers may offer discounts for IntelliDrive, hybrid/electric vehicle, new car, continuous insurance, student away at school, and multi-policy.
  • The Hartford policyholders can earn discounts including bundle, driver training, good student, defensive driver, and anti-theft.
  • Geico discounts include membership and employees, five-year accident-free, emergency military deployment, federal employee, and multi-policy.
  • Progressive includes discounts for online signing, homeowner, good student, multi-policy, and continuous coverage.

When getting free insurance coverage quotes, it’s a good idea to every prospective company which discounts can lower your rates. Some discounts listed above might not be offered in your area.

Cheapest auto insurance quotes

There are multiple methods you can shop for auto insurance but one way is more efficient than others. You can spend countless hours talking to insurance companies in your area, or you can utilize online quoting to get rate comparisons in just a few minutes.

Many popular insurance companies take part in a program where prospective buyers enter their policy data once, and each company returns a rated price based on the submitted data. This eliminates the need for quotation requests to each individual auto insurance company.

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

The only downside to getting quotes like this is you can’t choose which insurance companies to get pricing from. So if you prefer to choose individual companies to compare, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, try to keep the same deductibles and coverage limits for every quote you compare. If your comparisons have different data it will be impossible to decipher which rate is best. Having just a slight variation in limits may result in a large different in cost. And when quoting auto insurance, remember that comparing more quotes helps improve the odds of finding the best rates.

Car insurance is unique, just like you

When buying adequate coverage, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. For instance, these questions may help you determine if you would benefit from an agent’s advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • How can I get my company to pay me more for my totalled car?
  • Do I pay less if my vehicle is kept in my garage?
  • If I drive on a suspended license am I covered?
  • When should I buy a commercial auto policy?
  • Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage breakdown

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Hyundai Tucson.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Coverage for collisions

Collision coverage pays for damage to your Tucson resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses for things like dental work, chiropractic care, surgery and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hail damage, vandalism and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

Liability insurance protects you from injuries or damage you cause to other people or property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical expenses, funeral expenses, structural damage and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

More comparisons equals lower rates

When getting insurance coverage quotes online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, an insured cut liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Cheaper insurance is attainable from both online companies in addition to many insurance agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some insurance companies do not provide rates over the internet and these small insurance companies only sell through independent insurance agencies.

We covered a lot of information how to reduce 2009 Hyundai Tucson insurance rates online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding low cost insurance coverage. You may even find the lowest priced insurance comes from some of the smallest insurance companies. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Geico and State Farm.

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Comments About 2009 Hyundai Tucson Insurance

  1. Jung Moon

    I compared a lot of rate quotes for a 2009 Hyundai Tucson in Eugene, OR. Ended up at darn near $330 every six months with AAA. Insured with AAA before.

  2. Hye Keith

    Does GEICO have good claim service?

  3. Astrid Brewer

    I think I’m paying too much. I live in a small town just outside of Nashville, TN. I don’t recall every quote but I ended up saving about $30 each month. It’s still not cheap enough.

  4. Lidia Gardner

    For me, Allstate was by far the cheapest in Jackson, Mississippi.

  5. Michael Frye

    Corporate greed I’m telling you. I live in a small town just outside of Cleveland, OH. Compared rates from a lot of places. Saved about $30 a month. Progressive was the most affordable for me. :)

  6. Sonya Randolph

    Here’s my quote info. I’m in the west part of Manchester, NH. Got car insurance prices from AAA, Safeco, and a few others for my Tucson and I’m now saving $33 a month. Left Amica to switch.

  7. Nenita Cardenas

    IT’S ALL TOO EXPENSIVE! I live on the west side of Anchorage, AK. Got car insurance quotes with Allstate, AAA, Esurance, and Liberty Mutual for my 2009 Hyundai Tucson and I’m now saving $46 a month. Not sure about claim service.