How Much Does 2013 Hyundai Tucson Insurance Cost?

Looking for cheaper car insurance rates for your Hyundai Tucson? If price shopping insurance quotes online is new to you, most likely you are bewildered thanks to the huge assortment of online companies offering coverage.

You need to get comparison quotes once or twice a year due to the fact that insurance prices are usually higher with each renewal. Despite the fact that you may have had the best rate on Tucson insurance last year a different company probably has better premium rates today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the proper way to save money, get proper coverage and the best rates.

More discounts mean lower-cost premiums

Insurance is neither fun to buy or cheap, but there’s a good chance there are discounts to reduce the price significantly. Some of these disounts will be visible when you get a quote, but once in a while a discount must be inquired about in order for you to get them.

• Military Rewards – Being deployed in the military could mean lower premium rates.
• Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
• Discount for Good Grades – Being a good student may save you up to 25%. Most companies allow this discount well after school through age 25.
• Low Miles Discount – Keeping the miles down on your Hyundai could earn substantially lower rates.
• Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be able to be covered for less.

One thing to note about discounts is that most discounts do not apply to the entire cost. Most only cut specific coverage prices like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, you’re out of luck.

If you would like to see a list of insurance companies that offer the discounts shown above, follow this link.

It’s not one size fits all

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if your situation will benefit from professional help.

• Is my state a no-fault state?
• Am I covered if I hit my neighbor’s mailbox?
• Do I really need UM/UIM coverage?
• Are split liability limits better than a combined single limit?
• How high should my uninsured/underinsured coverage be in my state?
• Should I waive the damage coverage when renting a car?
• Can my teen drive my company car?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverages explained

Learning about specific coverages of car insurance aids in choosing which coverages you need for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for liability – Liability insurance protects you from damage that occurs to other people or property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things like repair bills for other people’s vehicles, court costs, repair costs for stationary objects, loss of income and medical expenses. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Medical expense coverage – Med pay and PIP coverage provide coverage for bills such as prosthetic devices, surgery, EMT expenses and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, fire damage, hitting a bird, a broken windshield and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance will pay to fix damage to your Tucson caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, crashing into a ditch, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2013 Hyundai Tucson.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Have the Midas touch

Drivers switch companies for a number of reasons such as denial of a claim, high prices, lack of trust in their agent and even policy non-renewal. No matter why you want to switch, finding the right insurance coverage provider is easier than you think.

Throughout this article, we presented a lot of information how to shop for 2013 Hyundai Tucson insurance online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the most savings is with a company that doesn’t do a lot of advertising.

As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. Too many times, an insured cut uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.

More articles

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)