How Much Does 2002 Hyundai Santa Fe Insurance Cost?

Looking for lower car insurance rates for your Hyundai Santa Fe? Have you fallen victim to high-priced car insurance? Trust us, many consumers feel financially strained by their car insurance policy. There is such a variety of insurers to choose from, and although it’s a good thing to have a choice, lots of choices makes it harder to compare rates.

Car Insurance Prices Online

Finding lower car insurance rates isn’t really that difficult. All that’s required is to spend a few minutes to get quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

• The easiest and least time consuming way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This form prevents you from having to do repetitive form submissions for each company. In just a few minutes this one form gets rate comparisons direct from many companies.
• A harder way to obtain and compare quotes online requires you to visit each company website and complete a new quote form. For example, we’ll pretend you want to compare State Farm, Allstate and Geico. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is quicker.

  For a handy list of car insurance company links in your area, click here.

• The most time-consuming method of getting rate comparisons is to drive around to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you prefer the professional advice that only a license agent can provide. However, consumers can price shop online and still use a local agent. We’ll cover that shortly.

Which method you use is up to you, but make absolute certain that you use apples-to-apples quote information for every quote you compare. If the quotes have differing limits it will be very difficult to truly determine the lowest rate.

Different people need different coverages

When choosing adequate coverage, there is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might help in determining if you may require specific advice.

• I have good health insurance, so how much medical payments coverage do I need?
• Are my tools covered if they get stolen from my vehicle?
• How can I get my company to pay me more for my totalled car?
• What if I owe more than I can insure my car for?
• Do I need special endorsements for business use of my vehicle?
• What is high-risk coverage and where do I buy it?
• Are there companies who specialize in insuring high-risk drivers?
• Are all vehicle passengers covered by medical payments coverage?
• Will I lose any money if I cancel my policy before it expires?
• Why do I need rental car insurance?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

Parts of your insurance policy

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Collision coverage protection

This coverage covers damage to your Santa Fe resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a ditch, scraping a guard rail, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for liability

This coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as pain and suffering, medical services and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, damage from flooding, a tree branch falling on your vehicle, theft and a broken windshield. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Hyundai Santa Fe.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses like rehabilitation expenses, prosthetic devices, nursing services and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage