2016 Hyundai Santa Fe Insurance Cost in 2024 – 8 Tips for Cheaper Prices

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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: Apr 10, 2024

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Want cheaper insurance rates for your Hyundai Santa Fe? If you are new to online price comparisons, by this point your are probably bewildered by the vast number of companies offering insurance.

Insurance Discounts

Insurance can cost an arm and a leg, but there could be available discounts that you may not even know about. Many of these discounts will be applied automatically at the time of purchase, but a few must be asked about before you will receive the discount.

  • Good Student Discount – This discount can save 20 to 25%. This discount can apply well after school through age 25.
  • Organization Discounts – Being a member of a qualifying organization is a good way to get lower rates when shopping for insurance.
  • Telematics Data Discounts – Drivers that enable driving data submission to spy on vehicle usage through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as the data is positive.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.
  • Distant Student – Older children who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be able to be covered for less.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle up may be able to save a few bucks off the PIP or medical payment premium.
  • Early Renewal Discounts – Some larger companies give discounts for signing up prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Senior Citizens – Mature drivers may receive better insurance rates on Santa Fe coverage.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, nobody gets a free ride.

Larger insurance companies and some of the discounts are detailed below.

  • State Farm offers discounts including student away at school, driver’s education, good student, multiple autos, multiple policy, and accident-free.
  • Farmers Insurance has savings for homeowner, early shopping, teen driver, good student, electronic funds transfer, and youthful driver.
  • Progressive has discounts for multi-policy, online quote discount, online signing, multi-vehicle, homeowner, and continuous coverage.
  • GEICO offers premium reductions for driver training, anti-lock brakes, anti-theft, multi-vehicle, five-year accident-free, membership and employees, and emergency military deployment.
  • Auto-Owners Insurance may include discounts for paid in full, student away at school, anti-lock brakes, good student, and teen driver.
  • The Hartford includes discounts for good student, bundle, air bag, driver training, anti-theft, defensive driver, and vehicle fuel type.
  • Farm Bureau offers discounts for driver training, 55 and retired, renewal discount, multi-vehicle, safe driver, multi-policy, and youthful driver.
  • USAA may offer discounts for defensive driver, family discount, annual mileage, military installation, vehicle storage, new vehicle, and multi-vehicle.

When getting free insurance quotes, it’s a good idea to every insurance company which discounts they offer. Some credits may not apply in your area. If you would like to view insurance companies who offer free insurance quotes, enter your zip code here.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • What can I do if my company won’t pay a claim?
  • Will I lose any money if I cancel my policy before it expires?
  • Where can I find DUI or SR-22 insurance?
  • If my 2016 Hyundai Santa Fe is totaled, can I afford another vehicle?
  • Why do I only qualify for high-risk insurance?
  • Does my 2016 Hyundai Santa Fe qualify for pleasure use?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out your zip code.

Coverage specifics

Having a good grasp of auto insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision coverage

This coverage covers damage to your Santa Fe resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, scraping a guard rail, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Hyundai Santa Fe.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like nursing services, rehabilitation expenses, funeral costs and doctor visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, hitting a bird and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

This coverage protects you from damage or injury you incur to people or other property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as funeral expenses, pain and suffering, repair bills for other people’s vehicles, structural damage and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Online plus local equals savings

Consumers who switch companies do it for a variety of reasons including high prices, questionable increases in premium, high rates after DUI convictions and extreme rates for teen drivers. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.

There are still a few companies who may not provide online price quotes regional carriers prefer to sell through local independent agencies. Lower-priced insurance coverage can be sourced on the web and with local insurance agents, so you need to compare both to have the best chance of lowering rates.

You just read quite a bit of information on how to save on 2016 Hyundai Santa Fe insurance. The most important thing to understand is the more you quote insurance, the higher your chance of finding inexpensive insurance. You may be surprised to find that the most savings is with some of the lesser-known companies.

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