2015 Hyundai Santa Fe Insurance Rates

Looking for lower insurance rates for your Hyundai Santa Fe? Confused by the crazy number of insurance company choices? Lot’s of other consumers are too. You have so many companies to choose from that it can easily become a challenge to find the perfect company for you.

The fastest way that we advise to compare rates is to know the fact almost all companies provide online access to give rate comparisons. All consumers are required to do is provide the companies a bit of rating information including if a SR-22 is needed, your general credit rating, if it has an alarm system, and deductibles desired. Your insurance information gets sent immediately to all major companies and you will get price comparisons within a short period of time.

To find lower rates now, click here and enter your zip code.

Advertising myths

Car insurance providers like Geico, State Farm and Progressive continually stream ads on TV and radio. They all make the same claim about savings after switching to them. How can each company make almost identical claims?

All the different companies have a certain “appetite” for the driver that is profitable for them. For instance, a desirable insured might be between 25 and 40, has no prior claims, and has a short commute. A customer who meets those qualifications is entitled to the best price and most likely will pay quite a bit less when switching companies.

Consumers who fall outside the requirements will be quoted higher rates and this can result in business going elsewhere. The ads state “customers who switch” not “people who quote” save money. That is how companies can make the claims of big savings.

This emphasizes why it’s extremely important to quote coverage with many companies. You cannot predict which company will have the lowest Hyundai Santa Fe insurance rates.

Hyundai Santa Fe premiums are determined by many factors

It’s important that you understand the factors that play a part in calculating your insurance coverage rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

  • Save money with special equipment – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Poor driving leads to higher costs – Your driving record has a huge affect on how much you pay. Even a single citation can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates compared to drivers with tickets. Drivers who get flagrant violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Safe vehicles cost less to insure – Safer cars tend to have better insurance rates. These vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If the Hyundai Santa Fe has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Policy add-ons can waste money – There are quite a few add-on coverages that can waste your money on your Santa Fe policy. Coverages like personal injury protection, accident forgiveness and motor club memberships may be wasting your money. These coverages may sound good at first, but if you don’t need them get rid of them and save.

Discounts can save BIG

Car insurance can cost a lot, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be manually applied before being credited.

  • Auto/Home Discount – If you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Early Signing – Some companies give discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Defensive Driving Course – Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on Santa Fe coverage than drivers with accidents.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy life insurance.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Accident Free – Good drivers with no accidents pay much less when compared with frequent claim filers.
  • Homeowners Savings – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.

Keep in mind that most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will help reduce the cost of coverage.

To see a list of providers who offer car insurance discounts, click here to view.

Will just any policy work for me?

When choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

For example, these questions might point out if you might need an agent’s assistance.

  • Should I sign the liability waiver when renting a car?
  • Will filing a claim cost me more?
  • How does medical payments coverage work?
  • Where can I find high-risk insurance?
  • Am I covered if I break a side mirror?
  • What can I do if my company denied a claim?
  • Am I getting all the discounts available?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Specific coverage details

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability

This coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical expenses, emergency aid and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, hail damage and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as hospital visits, ambulance fees, pain medications, dental work and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Hyundai Santa Fe.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Buy online or local, you save

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, policy non-renewal and delays in paying claims. Regardless of your reason, finding a new insurance coverage company is not as hard as you think.

As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. In many cases, an insured dropped comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

In this article, we covered a lot of techniques to reduce 2015 Hyundai Santa Fe insurance prices online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from a small mutual company.

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