Want to learn how to find more competitive Hyundai Santa Fe insurance in Phoenix? If shopping for Phoenix auto insurance quotes online is new to you, you can be overwhelmed thanks to all the different types insurance agents and companies competing for your business.
Unbelievable but true according to a study a large majority of insurance policyholders kept their coverage with the same insurance company for four years or more, and nearly half have never quoted rates to find cheap coverage. Arizona drivers can save up to 50% each year, but most tend to underestimate how much savings they would realize if they just switched companies.
You should take the time to quote other rates once or twice a year because prices are rarely the same from one policy term to another. Just because you found the lowest price on Hyundai Santa Fe insurance in Phoenix on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the quickest way to lower your rates without sacrificing coverage.
All major insurance companies like GEICO, State Farm and Progressive make it easy to get prices direct online. Comparing prices online for Hyundai Santa Fe insurance in Phoenix is possible for anyone as you simply enter your coverage preferences into the quote form. After you submit the form the system pulls information on your driving record and credit history and generates a price.
Using the web to get price quotes for Hyundai Santa Fe insurance in Phoenix makes it a lot easier to compare rates and it’s also necessary to do this if you want to find affordable rates.
In order to find out what other companies charge, compare rates now from the companies shown below. If you have a policy now, it’s recommended that you enter the coverages identical to your current policy. Using the same limits helps guarantee you will get a fair comparison for exact coverage.
The companies shown below can provide quotes in Arizona. If several companies are displayed, we recommend you visit as many as you can to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $198 | $448 | $362 | $22 | $108 | $1,138 | $95 |
| Santa Fe GLS 4WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| Santa Fe SE 2WD | $184 | $362 | $362 | $22 | $108 | $1,038 | $87 |
| Santa Fe Limited 2WD | $130 | $266 | $308 | $18 | $92 | $814 | $68 |
| Santa Fe SE 4WD | $146 | $316 | $288 | $18 | $86 | $854 | $71 |
| Santa Fe Limited 4WD | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Table data does not factor in Phoenix location which can affect premium rates noticeably.
Raise deductibles and save
When shopping for auto insurance, a common question is which deductibles should you choose. The tables below highlight how much more you’ll pay when you select higher and lower policy deductibles. The first table uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Santa Fe GLS 4WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Santa Fe SE 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Santa Fe Limited 2WD | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Santa Fe SE 4WD | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Santa Fe Limited 4WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Santa Fe GLS 4WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Santa Fe SE 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Santa Fe Limited 2WD | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Santa Fe SE 4WD | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Santa Fe Limited 4WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in specific garaging location which can modify auto insurance rates greatly.
We can estimate from the data above that using a $250 deductible costs approximately $22 more each month or $264 a year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 34 months between claim filings, you would save money if you decide on a higher deductible.
How to calculate deductible break even point
| Average monthly premium for $250 deductibles: | $91 |
| Average monthly premium for $1,000 deductibles (subtract): | – $69 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 34 months |
Insurance premiums for males and females
The illustration below illustrates the comparison of Hyundai Santa Fe insurance rates for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Why you need to buy auto insurance
Despite the high cost, buying auto insurance is required in Arizona but also provides important benefits.
- The majority of states have mandatory liability insurance requirements which means state laws require specific limits of liability protection in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Santa Fe, it’s most likely the lender will require you to buy insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may insure your Hyundai at a more expensive rate and force you to pay the higher price.
- Insurance safeguards your Hyundai Santa Fe and your assets. It will also cover most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance definitely exceed the cost, particularly when you have a large claim. On average, a vehicle owner in Phoenix is overpaying more than $865 each year so you should quote and compare rates every year to make sure the price is not too high.
Affordable rates on Hyundai Santa Fe insurance in Phoenix with these discounts
Auto insurance companies don’t always list every policy discount in an easy-to-find place, so the below list has both well-publicized and also the more inconspicuous savings tricks you should be using when you buy Phoenix auto insurance online.
- Senior Citizen Discount – Drivers over the age of 55 may qualify for a slight reduction on a Phoenix auto insurance quote.
- ABS Braking Discount – Cars with ABS and/or traction control are much safer to drive and earn discounts up to 10%.
- Defensive Driver Discount – Passing a course in defensive driving can save you 5% or more if you qualify.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy some life insurance too.
- College Student – Youth drivers who attend college more than 100 miles from Phoenix and do not have access to a covered vehicle can be insured at a reduced rate.
- Early Switch Discount – Some insurance companies give discounts for switching policies early. It could save around 10% when you buy Phoenix auto insurance online.
- Phoenix Homeowners Discount – Owning your own home or condo can get you a discount because of the fact that having a home requires a higher level of personal finance.
- Safe Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
- Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. Just because you may think all those discounts means the company will pay you, you aren’t that lucky.
A list of auto insurance companies and a summarized list of policyholder discounts include:
- State Farm may have discounts that include defensive driving training, driver’s education, anti-theft, Drive Safe & Save, student away at school, and accident-free.
- Esurance offers premium reductions for emergency road assistance, claim free, online quote, good student, defensive driver, good driver, and Pac-12 alumni.
- Progressive may include discounts for multi-vehicle, multi-policy, online signing, homeowner, continuous coverage, and online quote discount.
- Liberty Mutual offers discounts including safety features, hybrid vehicle, good student, new move discount, new graduate, and multi-policy.
- Auto-Owners Insurance has savings for company car, safe driver, paperless, mature driver, group or association, and air bags.
- GEICO has discounts for good student, membership and employees, anti-lock brakes, daytime running lights, multi-vehicle, driver training, and five-year accident-free.
Check with all companies you are considering which discounts they offer. Savings might not be offered in Phoenix.
Insurance agencies near you
Some people prefer to sit down and talk to an agent and that can be a smart move The best thing about price shopping on the web is the fact that you can find lower rates but still work with a licensed agent.
After completing this quick form, your coverage information gets sent to insurance agents in Phoenix that provide free Phoenix auto insurance quotes for your car insurance coverage. It makes it easy because there is no need to visit any agencies because quoted prices will be sent to the email address you provide. Get lower rates AND a local agent. If you want to compare prices from one company in particular, just find their quoting web page and complete a quote there.
Finding a good insurance company requires you to look at more than just a low price. Get answers to these questions too.
- Does the company allow you to choose your own collision repair facility?
- How long has their agency been open in Phoenix?
- Do they receive special compensation for putting your coverage with one company over another?
- Is assistance available after office hours?
- Are they able to influence company decisions when a claim is filed?
- If you are a high risk driver, do they have special markets for your coverage?
When looking for a reliable agent, there are a couple of different types of agents and how they can write your policy. Car insurance agents can either be exclusive or independent (non-exclusive).
Exclusive Agents
Agents that choose to be exclusive generally can only insure with one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to provide prices from multiple companies so they have no alternatives for high prices. They are highly trained on sales techniques which can be an advantage. Consumers sometimes buy from the same agent for years mainly due to high brand loyalty and solid financial strength.
The following is a list of exclusive agencies in Phoenix who can help you get price quotes.
- State Farm: Lynn Hennessy
4645 E Chandler Blvd #110 – Phoenix, AZ 85048 – (480) 759-0203 – View Map - American Family Insurance – Jennifer Swenson
4731 N Central Ave – Phoenix, AZ 85012 – (602) 995-9334 – View Map - Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400 – View Map
Independent Agencies or Brokers
Agents that elect to be independent do not work for one specific company so they can write business with many different companies and find you the best rates. If you want to switch companies, they can switch companies in-house which makes it simple for you.
If you are comparing rate quotes, you absolutely need to include multiple independent agents so that you have a good selection of quotes to compare. Many can place coverage with different regional companies which can save you money.
The following is a list of independent agents in Phoenix who can help you get comparison quotes.
- Rodriguez Insurance
5720 N 27th Ave – Phoenix, AZ 85017 – (602) 242-5303 – View Map - Best Buy Insurance
3917 S Central Ave – Phoenix, AZ 85040 – (602) 268-2548 – View Map - Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map
When to get professional advice
Always remember that when buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.
These are some specific questions might point out if your situation will benefit from professional help.
- Can my babysitter drive my car?
- Do I pay less for low miles?
- Is other people’s property covered if stolen from my vehicle?
- Am I covered if hit by an uninsured driver?
- When should I drop full coverage on my Hyundai Santa Fe?
- Is pleasure use cheaper than using my Hyundai Santa Fe to commute?
- Is business property covered if stolen from my car?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.
Cheap car insurance premiums are out there
Insureds change insurance companies for many reasons like high prices, extreme rates for teen drivers, delays in paying claims and even unfair underwriting practices. Regardless of your reason for switching companies, finding a new company is pretty simple and you could end up saving a buck or two.
We just showed you a lot of ways to save on Hyundai Santa Fe insurance in Phoenix. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the lowest rates come from a lesser-known regional company.
Lower-priced Hyundai Santa Fe insurance in Phoenix can be sourced on the web in addition to many Phoenix insurance agents, and you need to price shop both to have the best selection. A few companies don’t offer online rate quotes and these regional insurance providers only sell through independent insurance agencies.
For more information, feel free to browse the resources below:
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- How Much are Phoenix Car Insurance Quotes for Teachers? (FAQ)
- Who Has Cheap Phoenix Car Insurance Quotes for a Toyota Corolla? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Nissan Sentra in Phoenix? (FAQ)
- Your Car has been Stolen: Now What? (Allstate)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- What to do at the Scene of an Accident (Insurance Information Institute)