Cheapest 2014 Hyundai Tucson Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Searching for better auto insurance rates for your Hyundai Tucson? Shopping for affordable auto insurance on the web can be impossible for consumers new to price shopping online. Because there are so many insurers to choose from, how can anyone have a chance to compare the different rates to find the cheapest available price?
Finding affordable coverage is quite easy. In a nutshell, every vehicle owner who is required by state law to have car insurance stands a good chance to be able to reduce their rates. But vehicle owners do need to know the way companies compete online and apply this information to your search.
How to save on 2014 Hyundai Tucson insurance
Companies don’t necessarily list all their discounts very well, so the following is a list of some of the best known and the harder-to-find ways to save on car insurance.
- Safety Course Discount – Completing a driver safety course could save 5% or more and easily recoup the cost of the course.
- Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
- No Claims – Claim-free drivers can save substantially when compared with frequent claim filers.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
- Homeowners Pay Less – Owning a home may trigger a car insurance policy discount because of the fact that having a home requires personal responsibility.
- Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
- Federal Employees – Active or retired federal employment can earn a discount up to 10% on Tucson insurance with select insurance companies.
- Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.
Companies who might offer some of the above discounts include:
- Farmers Insurance
- State Farm
- Liberty Mutual
Before buying, ask all companies you are considering which discounts they offer. Savings might not be offered in your area.
Tailor your coverage to you
When it comes to buying the best car insurance coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.
These are some specific questions could help you determine whether your personal situation would benefit from professional advice.
- What companies insure drivers after a DUI or DWI?
- Does my policy cover my teen driver if they drive my company car?
- Is motorclub coverage worth it?
- When should I drop full coverage on my 2014 Hyundai Tucson?
- Should I put collision coverage on all my vehicles?
- Am I covered when pulling a rental trailer?
- Are rock chip repairs covered?
- Who is covered when they drive my 2014 Hyundai Tucson?
If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.
The car insurance bait and switch
Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads make an identical promise that you’ll save big if you switch your coverage to them. How can each company make the same claim? It’s all in the numbers.
Different companies are able to cherry pick for the type of customer that earns them a profit. For example, a preferred risk could possibly be a mature driver, owns a home, and chooses high deductibles. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save when switching.
Potential customers who don’t qualify for the requirements will be charged a higher premium which leads to business going elsewhere. The ads say “customers that switch” not “people who quote” save that kind of money. This is how companies can make the claims of big savings. That is why you absolutely need to get a wide range of price quotes. It is impossible to predict the company that will give you the biggest savings on Hyundai Tucson insurance.
Parts of your insurance policy
Having a good grasp of a insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses like X-ray expenses, hospital visits, dental work and prosthetic devices. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Collision – Collision insurance covers damage to your Tucson resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like hitting a mailbox, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Comprehensive insurance – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like vandalism, hitting a deer and hitting a bird. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Liability coverages – Liability coverage can cover injuries or damage you cause to a person or their property that is your fault. It protects you against other people’s claims, and doesn’t 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 policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability coverage pays for claims such as pain and suffering, attorney fees, loss of income, medical expenses and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.
Do the work, save more money
Drivers switch companies for many reasons like denial of a claim, not issuing a premium refund, delays in paying claims or even unfair underwriting practices. No matter why you want to switch, choosing a new company is actually quite simple.
When you buy insurance online, you should never sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
Lower-priced 2014 Hyundai Tucson insurance can be sourced on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.
Even more information can be read by following these links:
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
- Five Mistakes to Avoid (Insurance Information Insitute)
- Vehicle Insurance in the U.S. (Wikipedia)
- What is a Telematics Device? (Allstate)
Frequently Asked Questions
How can I save on auto insurance rates for my 2014 Hyundai Tucson?
There are several ways you can save on auto insurance rates for your 2014 Hyundai Tucson. Here are some tips:
- Shop around and compare quotes from different insurance companies.
- Take advantage of available discounts, such as safe driver discounts, multi-policy discounts, and good student discounts.
- Consider raising your deductible, which can lower your premium.
- Maintain a good credit score, as insurance companies often use it as a factor in determining your rates.
- Drive safely and avoid accidents and traffic violations.
What are some discounts I can look for when shopping for auto insurance for my 2014 Hyundai Tucson?
Insurance companies offer various discounts that can help lower your auto insurance rates. Here are some discounts you can look for:
- Safe driver discounts: If you have a clean driving record without any accidents or traffic violations, you may qualify for a safe driver discount.
- Multi-policy discounts: If you insure multiple vehicles or have other insurance policies, such as homeowners or renters insurance, with the same company, you may be eligible for a multi-policy discount.
- Good student discounts: If you or a family member on your policy is a student with good grades, you may qualify for a good student discount.
- Anti-theft device discounts: If your Hyundai Tucson has anti-theft devices installed, such as an alarm system or tracking device, you may be eligible for a discount.
- Low mileage discounts: If you don’t drive your vehicle often or have a low annual mileage, you may be able to save with a low mileage discount.
How can I tailor my auto insurance coverage to my specific needs?
When it comes to buying auto insurance coverage for your Hyundai Tucson, it’s important to tailor the coverage to your specific needs. Consider the following questions to determine your coverage needs:
- What is the value of your vehicle? This will help you decide whether you need comprehensive and collision coverage.
- How much can you afford to pay out of pocket in the event of an accident? This will help you determine the appropriate deductible.
- Do you have a good health insurance policy that covers medical expenses? This may impact the need for medical payments or personal injury protection coverage.
- Are there specific risks or concerns in your area, such as high theft rates or extreme weather conditions, that may require additional coverage?
- Do you have any assets or savings that you need to protect with higher liability limits?
Why do insurance companies advertise big savings when switching coverage?
Insurance companies often advertise big savings when switching coverage because they target specific customer profiles that are likely to result in lower risk and lower claims for them. By attracting customers who meet certain criteria, such as being a mature driver, owning a home, or choosing high deductibles, they can offer lower rates to these individuals. However, it’s important to get quotes from multiple insurance companies to find the best savings for your specific situation, as each company has its own underwriting criteria and pricing algorithms.
What are the different parts of an auto insurance policy?
Auto insurance policies consist of different coverage types that provide protection in various situations. Here are some common parts of an auto insurance policy:
- Liability coverage: This covers injuries or damage you cause to others in an accident where you are at fault.
- Collision coverage: This covers damage to your vehicle in a collision with another vehicle or object.
- Comprehensive coverage: This covers damage to your vehicle caused by non-collision events, such as theft, vandalism, or natural disasters.
- Medical payments or personal injury protection (PIP) coverage: This covers medical expenses for you and your passengers in the event of an accident, regardless of fault.
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
- Additional optional coverages: Depending on your needs, you may choose to add coverages such as roadside assistance, rental reimbursement, or gap insurance.
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