How Much Does 2014 Hyundai Tucson Car Insurance Cost?

Want better auto insurance rates for your Hyundai Tucson? Buying the most affordable auto insurance over the internet may seem to be rather challenging for people that are not comfortable with quoting and buying insurance online. Since there are so many insurers available, how are people expected to have a chance to compare all the different companies and get the best pricing?

It’s important to check auto insurance prices as often as possible because insurance prices are variable and change quite frequently. Just because you had the best price on Tucson insurance a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the best methods to buy cheaper auto insurance.

If you currently have a car insurance policy, you will most likely be able to save some money using this information. The purpose of this post is to familiarize you with the best way to quote coverages and some tricks to saving. Although vehicle owners need to learn the methods companies use to price online insurance and take advantage of how the system works.

Compare free insurance price quotes

To find affordable car insurance quotes, there are several ways to compare quotes from different companies. The best method to compare rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

Without a doubt, the easiest way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This quick form saves time by eliminating a different quote for each company you want a rate for. A single, simple form gets coverage cost estimates from insurance companies with the best prices. Just one form and you’re done.

Another way to get quotes online is to take the time to go to the website for each individual company and fill out their own quote form. For examples sake, we’ll pretend you need rates from USAA, Liberty Mutual and Farmers. In order to get each rate, you would have to spend time going to each site individually to enter your coverage information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

It’s up to you which method you use, but be certain you are entering apples-to-apples information for each quote you get. If the quotes have different limits and deductibles on each one you will not be able to truly determine the lowest rate. Even a minor difference in coverages may result in a large different in cost. Just remember that more quotes gives you a better chance of getting more affordable insurance. Not every company provides quotes online, so you should also compare prices on coverage from those companies, too.

These discounts can reduce insurance rates

Companies don’t list every available discount in a way that’s easy to find, so we took the time to find both the well known as well as the least known credits that you can use to lower your rates.

• 55 and Retired – If you qualify as a senior citizen, you are able to get lower premium rates on Tucson insurance.
• Accident Waiver – This one isn’t a discount, but a handful of insurance companies permit an accident before your rates go up with the catch being you have to be claim-free prior to the accident.
• Discounts for Federal Employees – Active or retired federal employment could qualify for a slight premium decrease on Tucson insurance but check with your company.
• Memberships – Being in certain professional organizations may earn a discount on your policy.
• Discounts for Good Drivers – Safe drivers may save up to 50% more on Tucson insurance than their less cautious counterparts.
• Save with More Vehicles Insured – Buying coverage for multiple cars with the same insurance company can get a discount for every vehicle.
• Claim Free – Insureds with no claims or accidents can save substantially in comparison to insureds who have frequent claims or accidents.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up could save 15% on the premium charged for medical payments and/or PIP.
• Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save 5% or more.

Discounts reduce rates, but you should keep in mind that most discounts do not apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, you’re out of luck. Any amount of discount should help reduce your overall premium however.

Some of the insurance companies that possibly offer some of the above discounts include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

Before buying, ask every prospective company which credits you are entitled to. Discounts may not be available in your state. To view insurance companies who offer discounts, click here to view.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different.

These are some specific questions can help discover if your situation might need an agent’s assistance.

• How much liability insurance is required?
• How many claims can I have before being cancelled?
• How does medical payments coverage work?
• When should I drop full coverage on my 2014 Hyundai Tucson?
• I have good health insurance, so how much medical payments coverage do I need?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered by my spouse’s policy after a separation?
• Where can I get insurance after a DUI in my state?
• Do I need PIP (personal injury protection) coverage in my state?
• Is my state a no-fault state?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Lower your insurance premiums

The best way to find cheaper car insurance is to take a look at some of the elements that come into play when calculating the rates you pay for car insurance. When consumers understand what controls the rates you pay, this allows you to make good choices that may reward you with lower premium levels. Lots of things are used when you get a price on insurance. Some factors are common sense such as your driving history, but other factors are not quite as obvious like your continuous coverage or how safe your car is.

Listed below are some of the most common factors car insurance companies consider when setting prices.

• Vocation impacts car insurance rates – Careers such as fire fighters, business owners and emergency personnel generally have higher rates than average because of stressful work requirements and lots of time spent away from family. On the other hand, careers such as professors, historians and retirees pay lower than average rates on Tucson insurance.
• Multi-policy discounts can save money – The majority of car insurance companies apply a discount to clients who carry more than one policy in the form of a multi-policy discount. The discount can be 10 percent or more. If you currently are using one company, you may still want to get quotes from other companies to guarantee you are still saving the most.
• Tickets cost more than a fine – A bad driving record has a big impact on rates. Having a single speeding ticket or other violation can bump up the cost substantially. Attentive drivers get better prices compared to bad drivers. Drivers with multiple violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state in order to keep their license.
• Claims cost money – If you file a lot of claims you shouldn’t be surprised to get higher premiums or even policy non-renewal. Companies generally give discounts to people that do not abuse their auto insurance. Your car insurance is intended for larger claims.
• Don’t buy extra policy coverages you don’t need – There are many additional extra coverages that you can get tricked into buying if you don’t pay attention. Coverages like rental car reimbursement, towing, and motor club memberships could be just wasting money. They may seem good when deciding what coverages you need, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Liability insurance is important – The liability section of your policy will provide protection if ever you are found to be at fault for physical damage or personal injury to other. This coverage provides legal defense coverage which can cost a lot. It is affordable coverage compared to other policy coverages, so buy as much as you can afford.
• Insurance is expensive for teen drivers – More mature drivers tend to be more responsible, statistically cause fewer accidents , and are generally more financially stable.Beginning drivers are proven to be careless and easily distracted when at the wheel of a vehicle so they pay higher car insurance rates.
• Higher comp and collision deductibles are cheaper – Insurance for physical damage, also called comprehensive and collision insurance, covers your vehicle from damage. Some examples of covered claims would be a broken side mirror, hail damage, or theft. Your deductibles are how much you are required to pay if the claim is covered. The more money you pay before a claim is paid (deductible), the less money you will pay for car insurance on Tucson insurance.

Save $387 a year? Really?

Car insurance providers like Progressive, Allstate and Geico endlessly run ads on TV and radio. All the companies make the point about how much you will save if you just switch your coverage. How can each company give you a lower rate? This is the trick they use.

All the different companies offer their best rates for the type of customer that will generate a profit. For instance, a desirable risk should be a married male, has no driving citations, and insures a new vehicle. Any customer that matches those criteria will most likely get cheap prices and will also pay quite a bit less when switching companies.

Insureds who don’t measure up to those criteria will have to pay a higher premium and this results in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers that switch” not “everybody who quotes” will save that much if they switch. That is how insurance companies can claim big savings.

This really emphasizes why drivers should get car insurance quotes as often as possible. It’s just too difficult to predict which insurance companies will fit you best based on your risk profile.

Specific coverage details

Understanding the coverages of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, falling objects, rock chips in glass and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage

This coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as court costs, medical expenses, legal defense fees, attorney fees and medical services. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like dental work, X-ray expenses and EMT expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

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

Collision insurance covers things like sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Hyundai Tucson.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Keep this in mind

Insureds leave their current company for any number of reasons including poor customer service, policy cancellation, an unsatisfactory settlement offer or even high rates after DUI convictions. Whatever your reason, choosing a new insurance company can be less work than you think.

When you buy car insurance online, do not reduce coverage to reduce premium. There are a lot of situations where an insured cut comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. The aim is to find the BEST coverage at the best possible price.

We’ve covered many ideas to reduce 2014 Hyundai Tucson insurance prices online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance coverage is with a lesser-known regional company.

Other resources

• Understanding Rental Car Insurance (Insurance Information Insitute)
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• Senior Drivers (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Older Driver Statistics (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)