2014 Hyundai Santa Fe Sport Insurance Cost – 7 Tricks for Cheaper Prices

Looking for cheaper insurance coverage rates for your Hyundai Santa Fe Sport? No one in their right mind enjoys paying for insurance coverage, in particular when they are paying too much.

Companies like Allstate and Progressive constantly bombard you with advertising and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

Fast and Easy Insurance Quotes

The are a couple different ways of comparing rate quotes from insurance companies in your area. The recommended way to find the lowest 2014 Hyundai Santa Fe Sport rates is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. Probably the best way to get the best comparison quotes is a comparison rater form (click to open form in new window). This form eliminates the need for repetitive form submissions for each company. One form submission compares rates from several companies.
  2. A harder way to obtain and compare quotes online consists of visiting the website of each company and complete a new quote form. For instance, we’ll assume you want rates from Liberty Mutual, Farmers and Progressive. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest way to compare rates is to waste gas driving to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you require the personal advice of a local agent. Drivers can obtain prices from the web and get advice from an agent in your area and we’ll talk about that later.

It doesn’t matter which method you choose, just be sure to compare apples-to-apples coverage limits and deductibles for each price quote. If you use unequal deductibles or liability limits it will be impossible to determine which rate is truly the best. Having just a slight variation in limits may cause a big price difference. And when price shopping your coverage, getting more free quotes gives you a better chance of getting a better price.

Take these seven discounts and save

Companies offering auto insurance don’t always publicize all available discounts very clearly, so we researched both the well known as well as the least known savings tricks you should be using.

  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiring. The savings is around 10%.
  • Claim Free – Claim-free drivers can earn big discounts when compared to drivers who are more careless.
  • Defensive Driving Course – Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Homeowners Discount – Owning a house can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can get savings of up to 25% or more.

It’s important to understand that most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, auto insurance companies aren’t that generous.

To see a list of companies offering auto insurance discounts, click this link.

Which policy gives me the best coverage?

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether or not you might need professional guidance.

  • Exactly who is provided coverage by my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I have a commercial auto policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How high should deductibles be on a 2014 Hyundai Santa Fe Sport?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Parts of your auto insurance policy

Knowing the specifics of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most auto insurance policies.

Comprehensive protection

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

Comprehensive can pay for claims like falling objects, damage from getting keyed, damage from flooding, rock chips in glass and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

This will pay to fix damage to your Santa Fe Sport caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for liability

Liability insurance will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims such as funeral expenses, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses for things like surgery, pain medications, rehabilitation expenses, doctor visits and hospital visits. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

And the best car insurance company is…

We covered many ways to reduce 2014 Hyundai Santa Fe Sport insurance prices online. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive or Geico.

As you restructure your insurance plan, do not buy poor coverage just to save money. In many instances, someone sacrificed liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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