2014 Hyundai Santa Fe Insurance Rates – 7 Tricks for Cheapest Quotes

Consumers have lots of choices when looking for the best price on Hyundai Santa Fe insurance. They can either waste time contacting agents getting price quotes or save time using the internet to make rate comparisons. There are more efficient ways to shop for insurance so you’re going to learn the quickest way to quote coverages for a new or used Hyundai and locate the best price possible from both online companies and local agents.

You need to price shop coverage before your next renewal because rates go up and down regularly. Just because you found the best deal on Santa Fe insurance last year the chances are good that you can find a lower price today. There is a lot of bad information regarding insurance on the internet, but by reading this article, you’re going to learn some proven techniques to find cheap insurance.

Cheapest car insurance rate quotes

Most of the larger companies provide pricing directly from their websites. This process is fairly simple because you just enter your required coverages into the quote form. Behind the scenes, the company’s rating system obtains your credit score and driving record and provides a quote based on these and other factors.

Online price estimates simplifies rate comparisons, but the work required to visit many different websites and type in the same data is not the best way to spend an afternoon. But it’s necessary to perform this step in order to find the best price possible.

A more efficient way to find cheaper rates utilizes a single form to get prices from many companies. It’s a real time-saver, eliminates form submissions, and makes rate comparisons much easier. Immediately after you send the form, your coverage is rated with multiple companies and you can pick any or none of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It just takes a couple of minutes and may result in a nice savings.

To save time and find out if lower rates are available, click here and enter your vehicle and coverage information. To compare your current rates, we recommend you input identical to your current policy. This guarantees you will be getting a price comparison for the exact same coverage.

Get lower-cost insurance with discounts

Insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that you may not know about. Some discounts will apply when you quote, but less common discounts must be specifically requested before you get the savings.

• Seat Belts Save – Buckling up and requiring all passengers to fasten their seat belts can save 10% or more off the PIP or medical payment premium.
• Paperless Signup – Certain larger companies provide a small discount for buying your policy on the internet.
• Waiver for an Accident – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike with the catch being you have to be claim-free prior to the accident.
• Multi-Vehicle Discounts – Drivers who insure primary and secondary vehicles with the same insurance company can get a discount on all vehicles.
• No Claims – Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
• Government Employees – Simply working for the federal government may reduce rates when you quote auto insurance on Santa Fe insurance with a few insurance companies.
• Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings of 20 to 30 percent.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. Even though it appears all the discounts add up to a free policy, insurance companies aren’t that generous.

To see a list of providers offering insurance discounts, follow this link.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether your personal situation might need professional guidance.

• Are all vehicle passengers covered by medical payments coverage?
• Should I drop comprehensive coverage on older vehicles?
• How high should my uninsured/underinsured coverage be in my state?
• Why do I only qualify for high-risk insurance?
• How much liability insurance is required?
• Do I need replacement cost coverage on my 2014 Hyundai Santa Fe?
• Is my teenager covered with friends in the car?
• What is the rate difference between pleasure use and commuting?
• What is no-fault insurance?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Educate yourself about insurance coverages

Learning about specific coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Hyundai Santa Fe.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, crashing into a ditch, colliding with another moving vehicle, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Liability insurance

This coverage can cover damage or injury you incur to other people or property in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, pain and suffering, bail bonds, funeral expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for pain medications, prosthetic devices, funeral costs and surgery. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, vandalism, rock chips in glass and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Buy online or local, you save

Drivers leave their current company for any number of reasons including high rates after DUI convictions, policy cancellation, not issuing a premium refund and questionable increases in premium. It doesn’t matter why you want to switch choosing a new company can be pretty painless.

You just read quite a bit of information on how to lower your 2014 Hyundai Santa Fe insurance prices. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers may even find the lowest prices come from the least-expected company.

Budget-friendly auto insurance can be bought from both online companies and also from your neighborhood agents, so you need to shop auto insurance with both so you have a total pricing picture. Some auto insurance companies may not provide rate quotes online and most of the time these small insurance companies only sell coverage through independent agencies.

Additional articles

• Car Insurance: When not to Skimp (BankRate.com)
• Who Has Affordable Auto Insurance Quotes for a Hyundai Santa Fe in Seattle? (SeattleCarInsuranceQuotes.com)
• Where can I buy Insurance? (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• Alcohol Impaired Driving FAQ (iihs.org)
• Safe Vehicles for Teens (iihs.org)