Compare 2022 Hyundai Tucson Insurance Quotes in 2024

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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 5, 2024

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Looking for better insurance coverage rates for your Hyundai Tucson? Getting the cheapest insurance coverage might appear somewhat intimidating for vehicle owners that are not comfortable with quoting and comparing and buying insurance coverage over the internet. Because there are so many companies in the marketplace, how are we expected to possibly compare the different rates to find cheaper insurance coverage prices?

Consumers should take time to get comparison quotes quite often because insurance coverage prices are rarely the same from one policy term to another. If you had the lowest rates for Tucson insurance on your last policy you can probably find a better premium rate now. Don’t believe everything you read about insurance coverage on the internet, but by reading this article, you’re going to learn some good information on how to slash your insurance coverage rates.

More affordable rates by applying discounts

Some insurance providers don’t always publicize every discount they offer in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using when you buy insurance online. If you don’t get every credit possible, you’re paying more than you need to.

  • Anti-theft Discount – Cars with anti-theft systems are stolen with less frequency and will save you 10% or more.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
  • Multi-car Discount – Insuring all your vehicles with one company qualifies for this discount.
  • Good Students Pay Less – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
  • Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease for Tucson insurance but check with your company.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Bundled Policy Discount – When you combine your auto and home insurance with one insurance company you may earn as much as 10 to 15 percent.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

A few of the larger companies and some of the discounts can be found below.

  • 21st Century may offer discounts for early bird, student driver, anti-lock brakes, automatic seat belts, and 55 and older.
  • State Farm policyholders can earn discounts including good driver, driver’s education, good student, defensive driving training, and student away at school.
  • AAA includes discounts for anti-theft, education and occupation, multi-policy, multi-car, and AAA membership discount.
  • Liberty Mutual offers discounts for new vehicle discount, multi-car, teen driver discount, newly married, new move discount, and hybrid vehicle.
  • Progressive has savings for online signing, multi-policy, homeowner, multi-vehicle, and continuous coverage.

If you need lower rates, check with each company how you can save money. A few discounts may not be offered in your state. To see insurers with discount car insurance rates, enter your zip code here.

Why smart buyers pay less for Hyundai Tucson insurance

The best way to find cheaper car insurance is to take a look at some of the things that come into play when calculating your policy premiums. If you know what determines premiums, this allows you to make good choices that may result in cheaper rates. Lots of factors are part of the calculation when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, although some other factors are more transparent like your vehicle usage or how financially stable you are.

  • Rental and towing coverage may not be needed – There are quite a few extra coverages that you can buy if you don’t pay attention. Insurance for personal injury protection, accident forgiveness, and membership fees may not be needed and are just wasting money. You may think they are a good idea when you first buy your policy, but if you have no use for them eliminate the coverages to reduce your premium.
  • Discounts for GPS tracking and theft deterrents – Selecting a car model with anti-theft technology or alarm system can save you some money. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent auto theft and help lower rates.
  • Get hitched and pay less – Having a wife or husband can actually save you money when buying car insurance. It may mean you are more responsible and insurance companies like that married drivers tend to file fewer claims.
  • How many miles do you drive? – The more you drive your Hyundai in a year’s time the higher your rate. Most companies rate vehicles based upon how much you drive. Autos that are left in the garage can get a lower rate than cars that get driven a lot. Having the wrong rating on your Tucson may be wasting your money. It’s always a good idea to double check that your car insurance declarations sheet properly reflects the right rating data.
  • Inexpensive frequent car insurance claims are not good – Car insurance companies provide cheaper rates to insureds who are claim-free. If you file claims often, you can expect either policy cancellation or increased premiums. Your insurance policy is meant to be used in the event of the large, substantial claims.

Your insurance coverage should be tailored to you

When it comes to buying coverage, there isn’t really a one size fits all plan. Each situation is unique.

For instance, these questions might point out whether your personal situation might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What if I owe more than I can insure my car for?
  • Does my insurance cover a custom paint job?
  • Why am I required to buy high-risk coverage?
  • Should I have combined single limit or split liability limits?
  • Am I covered if hit by an uninsured driver?
  • When should I buy a commercial auto policy?
  • How high should my medical payments coverage be?
  • Are my friends covered when driving my car?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Do drivers who switch really save $492 a year?

Popular auto insurance providers such as Allstate, GEICO and Progressive constantly bombard you with television, radio, and online ads. They all make the point that drivers will save a bundle if you get a free insurance quote and switch your policy. How does every company give you a better price? Here is how they do it.

Companies have a preferred profile for a prospective insured that earns them a profit. For example, a profitable risk profile could be married and over the age of 30, owns their home, and does not commute to work. A customer who fits that profile will get a cheap rate quote and will probably save quite a bit of money when switching.

People who don’t qualify for this stringent profile will be quoted higher premium rates which translates to the customer not buying. If you listen closely, the ads state “drivers who switch” not “everybody who quotes” can get the lowest rates when switching. That is how insurance companies can confidently advertise the savings.

This emphasizes why drivers must compare price quotes frequently. It’s just too difficult to predict which company will have the best premium rates at this point in time.

Coverages available on your auto insurance policy

Having a good grasp of auto insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto liability – Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different 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 translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as court costs, structural damage, emergency aid and loss of income. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, damage from flooding, rock chips in glass and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Hyundai Tucson.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as pain medications, funeral costs, dental work, EMT expenses and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage will pay to fix damage to your Tucson resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, crashing into a building, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Feed the piggy bank

Drivers switch companies for any number of reasons including denial of a claim, unfair underwriting practices, extreme rates for teen drivers and delays in paying claims. It doesn’t matter why you want to switch choosing a new insurance company can be easier than you think.

We’ve covered a lot of ways to reduce 2022 Hyundai Tucson insurance prices online. The key thing to remember is the more you quote insurance, the higher the chance of saving money. You may be surprised to find that the most savings is with some of the smallest insurance companies.

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. In too many instances, drivers have reduced physical damage coverage only to regret that they should have had better coverage. Your goal is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

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