2014 Hyundai Santa Fe Sport Car Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2024

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Searching for the cheapest insurance coverage rates for your Hyundai Santa Fe Sport? Are you burned out from wondering where the money will come from to pay insurance coverage each month? You’re in the same situation as many other consumers. Because you have many insurance coverage companies to choose from, it can be impossible to locate the cheapest insurance coverage company.

The purpose of this post is to tell you how car insurance quotes work and some money-saving tips. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these methods. Drivers only need an understanding of the most effective way to find the lowest price online.

Informed consumers can slash their insurance premiums

Many different elements are considered when premium rates are determined. Some factors are common sense such as traffic violations, but other criteria are not quite as obvious like your continuous coverage or your financial responsibility.

  • Low stress employer equals lower premiums – Did you know your insurance rates can be affected by your occupation? Occupations like judges, business owners and stock brokers tend to have higher average rates due to intense work-related stress and long work hours. On the other hand, professions such as actors, historians and homemakers receive lower rates on Santa Fe Sport coverage.
  • Do you know your deductibles? – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, protects your Hyundai from damage. Some instances where coverage would apply are a windshield shattered by a rock, vandalism, or theft. The deductibles you choose define the amount you are willing to pay if a covered claim is submitted. The more money you’re willing to pay, the lower your rates will be on Santa Fe Sport coverage.
  • Filing insurance claims can cost more – If you are the type of insured that files lots of claims you can expect either a policy non-renewal or much higher rates. Companies provide discounts to insureds who are not frequent claim filers. Insurance coverage is meant to be used in the event of larger claims.
  • Never go without insurance – Driving your car without having proper coverage is a misdemeanor and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay more, being ticketed for driving with no insurance could result in a license revocation or jail time.
  • Improve your credit history – Your credit score will be a significant factor in your rate calculation. If your credit rating can be improved, you could pay less to insure your 2014 Hyundai Santa Fe Sport by repairing your credit. Drivers with excellent credit tend to be more responsible than drivers who have bad credit.
  • Don’t skimp on liability insurance – The liability coverage on your policy will provide protection if a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so do not skimp.
  • Vehicles with better crash test results cost less to insure – Safe vehicles cost less to insure. Highly rated vehicles help reduce the chance of injuries in an accident and fewer injuries translates directly to fewer claims which can result in lower premiums. If your Hyundai is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • More annual miles equals more premium – The higher the miles on your Hyundai every year the more you’ll pay to insure it. Almost all companies charge to insure your cars based on how the vehicle is used. Autos that have low annual miles get more affordable rates as compared to vehicles used primarily for driving to work. A policy that improperly rates your Santa Fe Sport can result in significantly higher rates. It’s a good idea to make sure your policy is showing how each vehicle is driven.

How to buy insurance online

All the larger insurance companies like State Farm and Allstate provide insurance quotes on the web. Getting prices online doesn’t take much effort because you just enter your personal and coverage information into a form. Once entered, the company’s rating system pulls information on your driving record and credit history and provides a quote determined by many factors. Being able to quote online simplifies rate comparisons, but the work required to visit several different sites and complete many quote forms is a waste of time. But it is imperative to perform this step in order to get the best price on insurance.

The quickest way to locate the lowest prices is to use a quote form that gets price quotes from several companies at one time. The form is fast, helps eliminate repetitive entry, and makes quoting online much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated and you can select any or none of the price quotes you receive.

If you find a better price you simply finish the application and purchase the new policy. The entire process takes less than 15 minutes and could lower your rates considerably.

In order to use this form to compare rates, simply enter your zip code here and input your coverage information. If you have a policy now, it’s recommended that you enter your coverages exactly as they are listed on your policy. Doing this guarantees you will have a rate comparison using the same coverage and limits.

Auto insurance discounts help cut rates

Auto insurance is neither fun to buy or cheap, but you might be missing out on some discounts that many consumers don’t even know exist. Some discounts apply automatically when you get a quote, but a few must be asked for before they will apply.

  • Multi-policy Discount – When you have multiple policies with the same company you may save at least 10% off all policies.
  • Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid the installment charge.
  • Responsible Drivers – Insureds without accidents could pay up to 40% less on Santa Fe Sport coverage than drivers with accident claims.
  • Organization Discounts – Belonging to a civic or occupational organization can get you a small discount on your policy.
  • Theft Deterrent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts will definitely reduce your policy premium.

Companies and a summarized list of policyholder discounts include:

  • State Farm offers discounts including student away at school, good driver, passive restraint, defensive driving training, and Drive Safe & Save.
  • GEICO has discounts for five-year accident-free, anti-lock brakes, air bags, daytime running lights, driver training, seat belt use, and multi-vehicle.
  • Liberty Mutual discounts include preferred payment discount, teen driver discount, multi-policy, safety features, newly retired, and hybrid vehicle.
  • The Hartford may include discounts for bundle, driver training, defensive driver, air bag, and vehicle fuel type.
  • MetLife may have discounts that include good student, claim-free, accident-free, multi-policy, defensive driver, and good driver.
  • Progressive offers discounts for good student, online quote discount, continuous coverage, online signing, and homeowner.

It’s a good idea to ask each company to apply every possible discount. Depending on the company, some discounts may not be offered everywhere. To view auto insurance companies that offer discounts, enter your zip code here.

Which is the best insurance coverage?

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Does coverage extend to Mexico or Canada?
  • Should I carry comprehensive and collision coverage?
  • Am I missing any policy discounts?
  • Should I bundle my homeowners policy with my auto?
  • Does insurance cover damages from a DUI accident?
  • Which is better, split liability limits or combined limits?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages 101

Having a good grasp of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2014 Hyundai Santa Fe Sport.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Liability coverages – Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like structural damage, court costs and emergency aid. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for short-term medical expenses such as ambulance fees, funeral costs and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, damage from flooding and hail damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This coverage covers damage to your Santa Fe Sport caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, driving through your garage door, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Smart shoppers get results

A few companies may not have rate quotes online and these regional insurance providers work with independent insurance agencies. Low-cost 2014 Hyundai Santa Fe Sport insurance can be found from both online companies in addition to local insurance agencies, so compare prices from both in order to have the best chance of saving money.

You just learned a lot of tips how to lower your 2014 Hyundai Santa Fe Sport insurance rates. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best rates are with an unexpected company. They may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

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