Affordable Hyundai Tucson Insurance in San Diego

Hyundai Tucson insurance
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Insurance rates Hyundai Tucson in San DiegoOverwhelmed by the dozens of auto insurance companies in San Diego? There are so many companies to choose from that it can turn into a real difficult job to find better auto insurance rates for Hyundai Tucson insurance in San Diego. San Diego is a wonderful place to live, but expensive auto insurance rates makes it difficult to afford.

A recent survey discovered that the majority of drivers have remained with the same auto insurance company for at least four years, and about 40% of consumers have never even shopped around for cheap coverage. California consumers can save up to 35% each year just by shopping around, but most just don't grasp how much money they would save if they switch to a new company.

It's a good habit to price shop coverage occasionally because prices change regularly. Even if you got the best deal on Hyundai Tucson insurance in San Diego a year ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you're about to learn one of the quickest ways to find better coverage on Hyundai Tucson insurance in San Diego at a better price.

Auto insurance providers offering low-cost price quotes in California

The auto insurance companies shown below can provide price comparisons in California. If more than one company is shown, it's highly recommended you click on several of them to get the best price comparison.

Hyundai Tucson Insurance Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $340 $472 $578 $34 $174 $1,598 $133
Tucson GLS 4WD $270 $374 $450 $26 $134 $1,254 $105
Tucson Limited 2WD $292 $570 $416 $24 $124 $1,426 $119
Tucson Limited 4WD $372 $790 $534 $32 $160 $1,888 $157
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in zip code location which can impact auto insurance rates greatly.

Policy deductible comparison

One of the most common auto insurance questions is how high or low should comp and collision deductibles be. The comparisons below may aid in understanding how much more rates are when you select higher and lower physical damage coverage deductibles. The first data set uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Hyundai Tucson insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $332 $564 $442 $26 $132 $1,521 $127
Tucson GLS 4WD $380 $564 $442 $26 $132 $1,569 $131
Tucson Limited 2WD $380 $686 $442 $26 $132 $1,691 $141
Tucson Limited 4WD $380 $686 $442 $26 $132 $1,691 $141
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Hyundai Tucson insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $184 $298 $442 $26 $132 $1,082 $90
Tucson GLS 4WD $210 $298 $442 $26 $132 $1,108 $92
Tucson Limited 2WD $210 $362 $442 $26 $132 $1,172 $98
Tucson Limited 4WD $210 $362 $442 $26 $132 $1,172 $98
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in San Diego location which can change prices significantly.

We can estimate from the data above that using a $100 deductible will cost you roughly $40 more each month or $480 a year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 23 months between claim filings, you would save more money if you choose the higher deductible.

Calculation for raising deductibles

Average monthly premium for $100 deductibles: $135
Average monthly premium for $1,000 deductibles (subtract): - $95
Monthly savings from raising deductible: $40
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $40
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important note is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you have a physical damage claim. That will require enough extra savings in order to pay the higher deductible.

Discounts can help lower rates on Hyundai Tucson insurance in San Diego

Companies that sell car insurance don't list all possible discounts very clearly, so the list below details both the well known and also the lesser-known discounts you could be receiving when you buy San Diego car insurance online. If you do not double check each discount you deserve, you are not getting the best rate possible.

One last thing about discounts, some credits don't apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, companies wouldn't make money that way.

To find insurance companies with discount rates in San Diego, click here to view.

Insurance agent or online?

Many people would rather get professional advice from a licensed agent. A nice benefit of getting online price quotes is that drivers can save money and get cheap car insurance rates but still work with a licensed agent. And supporting local insurance agencies is especially important in San Diego.

Find insurance agent in San DiegoBy using this simple form, the quote information gets sent to participating agents in San Diego that can provide free San Diego car insurance quotes for your business. It's much easier because you don't need to contact any agents as quotes are delivered to you directly. Get lower rates and work with a local agent. In the event you want to get a rate quote from a specific insurance company, you would need to navigate to their website and complete a quote there.

If you are wanting to purchase car insurance from a reputable agency, it's important to understand the different agency structures and how they are distinctly different. Insurance agencies in San Diego are either exclusive agents or independent agents.

Independent Car Insurance Agencies or Brokers

Independent insurance agents do not sell for just one brand and that enables them to quote your coverage with lots of companies and find the cheapest rate. If your premiums go up, your agent can switch companies and you don't have to switch agencies.

When comparison shopping, it's recommended you include several independent insurance agents in order to have the best price comparison. They also have the ability to place coverage with smaller companies that can offer cheaper rates than bigger companies.

Listed below is a small list of independent agents in San Diego that can possibly get you rate quotes.

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Exclusive Insurance Agents

Agents that elect to be exclusive generally can only insure with one company like State Farm, Allstate, or Farmers Insurance. They generally cannot compare other company's rates so they have to upsell other benefits. They are well schooled on the products they sell which helps them sell on service rather than price. Some insured continue to buy from the same agent for years mainly due to the brand name rather than having the cheapest rates.

The following are San Diego exclusive agents that can give you comparison quotes.

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Finding the right insurance agency requires more thought than just a low price. These are some valid questions you should ask.

Insurance companies are expert advertisers

Popular insurance providers such as Progressive, Allstate and GEICO endlessly run ads in print and on television. All the companies state the claim that drivers will save a bundle if you change your coverage to them. It sounds good, but how can they all charge lower premium rates? This is the trick they use.

Insurance companies provide the lowest rates for the type of insured that will not have excessive claims. One example of a desirable risk might be described as between the ages of 30 and 50, has never had a claim, and drives less than 7,500 miles a year. Anybody that matches those criteria will get a cheap rate quote in San Diego and is almost guaranteed to cut their Hyundai Tucson insurance rates if they switch.

Insureds who don't qualify for these standards will be charged higher rates and this can result in the customer buying from a different company. The ads say "customers who switch" not "everybody who quotes" save the amount stated. That is how companies can truthfully advertise the way they do.

Because of the profiling, you really need to quote coverage with many companies. It is just not possible to predict the company that will give you the biggest savings.

Keep this in mind when shopping around

Budget-friendly auto insurance in San Diego can be purchased on the web and from local agencies, so you should compare both to get a complete price analysis. Some insurance companies may not offer the ability to get a quote online and these small insurance companies prefer to sell through independent agents.

Insureds leave their current company for any number of reasons including high prices, high rates after DUI convictions, lack of trust in their agent and even not issuing a premium refund. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.

You just read many ideas to shop for Hyundai Tucson insurance online. The most important thing to understand is the more providers you compare, the better likelihood of getting low cost San Diego car insurance quotes. Consumers may even find the lowest rates come from a company that doesn't do a lot of advertising.

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