2014 Hyundai Santa Fe Car Insurance Rates – 10 Ideas for Cheapest Quotes
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UPDATED: Dec 7, 2021
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Overpriced Hyundai Santa Fe insurance can empty your personal savings and force you to make sacrifices. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket. Big companies like State Farm, GEICO and Farmers Insurance continually bombard you with TV and radio ads and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.
You need to check auto insurance prices quite often because prices change quite often. Despite the fact that you may have had the lowest price on Santa Fe coverage a year ago you will most likely find a better rate today. Starting now, ignore everything you know about auto insurance because we’re going to show you how to use online quotes to reduce your cost while increasing coverage.
If you are insured now or are looking for a new policy, you can use these techniques to find better prices while maximizing coverage. Finding affordable coverage is quite easy. Drivers only need an understanding of the tricks to get comparison quotes over the internet.
Fast and Easy Auto Insurance Quotes
Cutting your auto insurance rates can be surprisingly simple. All that’s required is to invest a little time comparing rate quotes provided by online insurance companies. This can be accomplished in a couple of different ways.
- One of the simplest ways to get the best comparison quotes is a comparison rater form click here to open form in new window. This method keeps you from doing separate quotation requests for every auto insurance company. One simple form gets you price quotes from all major companies.
- Another way to obtain and compare quotes online is to take the time to go to the website for each individual company to request a price quote. For examples sake, we’ll assume you want rates from Allstate, 21st Century and Farmers. You would have to go to every website and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
Which method you use is up to you, but double check that you are using exactly the same coverage limits and deductibles for every quote you compare. If you enter higher or lower deductibles it’s not possible to make an equal comparison.
Save on Hyundai Santa Fe insurance
Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically at quote time, but a few must be manually applied before being credited. If you’re not getting every credit available, you are paying more than you should be.
- Clubs and Organizations – Participating in a qualifying organization could trigger savings when shopping for insurance coverage on Santa Fe coverage.
- Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
- Sign Online – A handful of insurance companies will give a small break for buying a policy and signing up over the internet.
- Drive Less and Save – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
- 55 and Retired – If you’re over the age of 55, you may qualify for a discount up to 10% on Santa Fe coverage.
- Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in school.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
- Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
- Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Santa Fe coverage depending on your company.
- Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
Keep in mind that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will reduce the amount you have to pay.
Insurance companies who might offer these money-saving discounts are:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
Double check with each insurance company which discounts you may be entitled to. All car insurance discounts may not apply in every state.
Tailor your coverage to you
When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can help discover if your situation might need an agent’s assistance.
- Do I need added coverage for expensive stereo equipment?
- Do I need higher collision deductibles?
- Is rental equipment covered for theft or damage?
- Exactly who is provided coverage by my policy?
- What companies insure drivers after a DUI or DWI?
- Are split liability limits better than a combined single limit?
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
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Insurance coverage options for a 2014 Hyundai Santa Fe
Knowing the specifics of a insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Hyundai Santa Fe.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time these limits do not exceed the liability coverage limits.
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims like a broken windshield, damage from flooding and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like structural damage, legal defense fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.
Collision coverage will pay to fix damage to your Santa Fe resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things like damaging your car on a curb, crashing into a building, backing into a parked car, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like pain medications, surgery, funeral costs and EMT expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
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