2013 Hyundai Santa Fe Insurance Quotes – 5 Tips for Best Rates

Drivers have many options when trying to find the lowest priced Hyundai Santa Fe insurance. You can either waste hours driving around to compare prices or utilize the internet to get rate quotes. There are more efficient ways to buy insurance coverage and you need to know the absolute fastest way to get price quotes for a Hyundai and obtain the cheapest rates from both online companies and local agents.

Take advantage of every car insurance discount

Auto insurance companies do not list every discount very clearly, so the following is a list of some of the best known and also the more inconspicuous credits that may apply to you.

• Driver’s Ed – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Discounts for New Vehicles – Buying car insurance coverage on a new vehicle may earn a small discount since newer models have better safety ratings.
• Discount for Life Insurance – Larger car insurance companies have a discounted price on car insurance if you buy a life insurance policy as well.
• Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last up to age 25.
• Accident Forgiveness Coverage – This one is not really a discount per se, but a handful of insurance companies will forgive one accident before they charge you more for coverage as long as you don’t have any claims for a certain period of time.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, nobody gets a free ride.

Large car insurance companies and some of the discounts are outlined below.

• Geico has discounts for defensive driver, multi-vehicle, multi-policy, military active duty, and federal employee.
• MetLife has savings for claim-free, accident-free, good driver, multi-policy, and defensive driver.
• Progressive offers premium reductions for good student, multi-policy, multi-vehicle, continuous coverage, online signing, homeowner, and online quote discount.
• Travelers offers discounts including continuous insurance, early quote, payment discounts, new car, multi-policy, student away at school, and home ownership.
• SAFECO policyholders can earn discounts including teen safety rewards, safe driver, anti-theft, anti-lock brakes, drive less, teen safe driver, and bundle discounts.
• AAA may offer discounts for good student, anti-theft, education and occupation, multi-car, pay-in-full, multi-policy, and good driver.

Before purchasing a policy, check with all the companies which discounts can lower your rates. Savings may not be available everywhere. For a list of providers that can offer you the previously mentioned discounts, follow this link.

How to know if you need help

When buying coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions may help you determine whether you would benefit from an agent’s advice.

• What is the minimum liability in my state?
• Does insurance cover tools stolen from my truck?
• Are all vehicle passengers covered by medical payments coverage?
• When should my teen driver be added to my policy?
• How can I get high-risk coverage after a DUI?
• Why am I required to buy high-risk coverage?
• Are rental cars covered under my policy?
• What is covered by UM/UIM coverage?
• Do I need PIP coverage since I have good health insurance?
• Am I covered if I break a side mirror?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Specific coverages for a 2013 Hyundai Santa Fe

Having a good grasp of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like nursing services, doctor visits and ambulance fees. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, scraping a guard rail, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Hyundai Santa Fe.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive auto insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, hitting a deer and damage from getting keyed. The highest amount 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 auto insurance

This coverage provides protection from damage that occurs to other’s property or people by causing an accident. This coverage protects you against claims from other people. 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 might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like emergency aid, court costs, legal defense fees, loss of income and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Save your hard earned cash

Insureds switch companies for many reasons like high rates after DUI convictions, delays in paying claims, poor customer service and even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

Budget-friendly auto insurance can be sourced from both online companies and from local agencies, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not offer internet price quotes and many times these smaller providers work with independent agents.

Throughout this article, we presented a lot of ways to compare 2013 Hyundai Santa Fe insurance car insurance rates online. The key concept to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may be surprised to find that the lowest priced auto insurance comes from an unexpected company.

To read more, feel free to visit these articles:

• Booster Seat Ratings (iihs.org)
• Who Has the Cheapest Auto Insurance Quotes for a Hyundai Santa Fe in Denver? (DenverCoverage.com)
• Vehicle Insurance in the U.S. (Wikipedia)
• Liability Insurance Coverage (Nationwide)
• Auto Insurance Learning Center (State Farm)