Auto Insurance Rates for a Hyundai Santa Fe in San Diego

Insurance quote for Hyundai Santa Fe in San DiegoPurchasing lower-cost San Diego Hyundai Santa Fe insurance quotes over the internet can be impossible for drivers who are beginners to quoting and comparing rates and buying auto insurance on the internet. With literally dozens of insurance companies available, how can you have time to compare every possible option in order to find better rates?

Regrettably, the vast majority of auto insurance customers kept their policy with the same company for over three years, and approximately 38% of consumers have never compared rate quotes at all. With the average auto insurance premium being $1,387, San Diego drivers could cut their rates by as much as 35% a year just by getting comparison quotes, but they just don’t want to compare other rate quotes.

If you are insured now, you will surely be able to find better prices using this strategy. Pricing affordable auto insurance policy in San Diego is not that difficult. Nevertheless, California vehicle owners can benefit by having an understanding of the way companies market on the web because rates fluctuate considerably.

Best companies for Hyundai Santa Fe insurance

The auto insurance companies shown below are ready to provide comparison quotes in San Diego, CA. If multiple providers are shown, it’s highly recommended you visit several of them to get the most affordable price.

Hyundai Santa Fe Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $208 $454 $464 $28 $138 $1,292 $108
Santa Fe GLS 4WD $292 $570 $416 $24 $124 $1,426 $119
Santa Fe SE 2WD $214 $386 $416 $24 $124 $1,164 $97
Santa Fe Limited 2WD $378 $834 $596 $36 $178 $2,022 $169
Santa Fe SE 4WD $266 $618 $574 $34 $172 $1,664 $139
Santa Fe Limited 4WD $264 $524 $596 $36 $178 $1,598 $133
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in vehicle location which can impact coverage rates considerably.

Policy deductibles

The information below shows how choosing a deductible and can influence Hyundai Santa Fe annual premium costs for each different age category. The rate quotes are based on a married female driver, full coverage, and no policy discounts are applied.

Comparison of full coverage and liability-only policies

The illustration below shows the difference between Hyundai Santa Fe auto insurance rates with and without full coverage. The data is based on no tickets, no at-fault accidents, $500 deductibles, single male driver, and no additional discounts are factored in.

When to eliminate full coverage

There isn’t a steadfast formula for dropping full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Hyundai Santa Fe replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after paying your deductible. If you are paying more than $300 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some situations where removing full coverage is not financially feasible. If you still have a lienholder on your title, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Find Cheaper Auto Insurance with These Tips

Many things are considered when quoting car insurance. Some of the criteria are obvious like an MVR report, but others are more transparent like your continuous coverage or how safe your car is. It’s important that you understand the rating factors that play a part in calculating your auto insurance rates. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get better auto insurance rates.

Shown below are some of the things that factor into your rates.

Liability protection safeguards assets – Liability coverage will protect you in the event that you are responsible for causing personal injury or damage in an accident. Liability insurance provides legal defense which can cost a lot. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.

Careless drivers pay higher costs – Good drivers get better prices compared to bad drivers. Only having one driving citation can increase rates to the point where it’s not affordable. Drivers who have severe violations such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.

Safety ratings are a factor – Safe vehicles can get you lower premiums. Safe vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Hyundai Santa Fe is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.

Vocation reflects on rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs like doctors, air traffic controllers, and emergency personnel have the highest average rates because of stressful work requirements and long work days. On the other hand, occupations like farmers, engineers and retirees pay the least.

Decrease rates by maintaining coverage – Not having insurance is against the law and any future policy may cost more because you let your insurance lapse for non-payment. And not only will your rates increase, failure to provide proof of insurance can result in a revoked license or a big fine. You will then be forced to submit proof of financial responsibility or a SR-22 with the California department of motor vehicles.

Hyundai Santa Fe insurance loss probability – Insurers use historical loss data to help set a rate to offset losses. Vehicles that have higher claim amounts or frequency will have higher rates. The table shown below demonstrates the compiled insurance loss statistics for Hyundai Santa Fe vehicles.

For each insurance policy coverage type, the claim amount for all vehicles averaged together is equal to 100. Percentage numbers below 100 imply a favorable loss record, while percentage values above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.

Hyundai Santa Fe Insurance Claim Statistics

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Hyundai Santa Fe 4dr 2WD 91 94 82 86 92 91
Hyundai Santa Fe 4dr 4WD 109 115 97 96 84 94
Hyundai Santa Fe Sport 4dr 2WD 88 90 93 90 89 93
Hyundai Santa Fe Sport 4dr 4WD 95 91 110 90 96 84

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance policy discounts for Hyundai Santa Fe insurance in San Diego

Properly insuring your vehicles can get expensive, but companies offer discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but a few need to be specially asked for prior to receiving the credit. If you do not double check each discount possible, you’re just leaving money on the table.Cheaper insurance with discounts

It’s important to note that most discount credits are not given to the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.

A few companies who may offer some of the discounts shown above include:

When getting free San Diego car insurance quotes, it’s a good idea to each company or agent how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in your state.

Compare rates but buy from a neighborhood San Diego auto insurance agent

Some consumers prefer to buy from a local agent and we recommend doing that One of the benefits of getting free rate quotes online is you can get better rates and still buy from a local agent. Buying from and supporting local insurance agencies is important particularly in San Diego.

Find insurance agent in San DiegoTo help locate an agent, after submitting this simple form, the coverage information is submitted to companies in San Diego who want to provide quotes for your coverage. It simplifies rate comparisons since you won’t have to contact any agents as quotes are delivered to you instantly. Get lower rates without requiring a lot of work. In the event you want to compare prices from a specific company, don’t hesitate to jump over to their website to submit a rate quote request.

Exclusive and independent San Diego auto insurance agents

If you want to use a reputable insurance agent or broker, it helps to know the two different agency structures and how they can write your policy. Auto insurance agencies are classified as either exclusive or independent.

Independent Auto Insurance Agencies or Brokers

Independent insurance agents are not required to write business for one company so they can quote policies through many different auto insurance companies and find you cheaper rates. To move your coverage to a new company, they simply switch companies in-house which is easy for the insured. If you are comparing auto insurance prices, you definitely need to get rate quotes from at least one independent agent to maximize your price options. Many write coverage with mutual insurance companies that may provide cheaper auto insurance rates.

Below is a small list of independent insurance agencies in San Diego that can give you comparison quotes.

More insurance agents

Exclusive Agents

These type of agents can usually just insure with one company like State Farm, Allstate and AAA. Exclusive agencies are unable to shop your coverage around so you might not find the best rates. Exclusive agents are usually quite knowledgeable on sales techniques and that enables them to sell even at higher rates. Some insured continue to use the same exclusive agent mainly due to the brand legacy instead of buying on price only.

Listed below are San Diego exclusive insurance agencies willing to provide comparison quotes.

More insurance agents

Picking an auto insurance agent shouldn’t rely on just the premium amount. Any agent in San Diego should be willing to answer these questions.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there really is no one size fits all plan. You are unique.Drive safe and save

For instance, these questions might help in determining whether your personal situation will benefit from professional help.

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.

You can lower your auto insurance rates

When searching for inexpensive San Diego car insurance quotes, make sure you don’t reduce coverage to reduce premium. There have been many situations where drivers have reduced liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible for the lowest price, but do not skimp to save money.

We covered quite a bit of information on how to shop for Hyundai Santa Fe insurance online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even find the best car insurance rates are with the smaller companies.

Drivers leave their current company for any number of reasons including lack of trust in their agent, extreme rates for teen drivers, policy non-renewal and delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

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