How to Compare Phoenix Hyundai Santa Fe Insurance

Discount Hyundai Santa Fe insuranceWant 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.

Hyundai Santa Fe Insurance Cost Estimates in Phoenix, AZ
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
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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.

Hyundai Santa Fe insurance rates with $250 deductibles
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
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Hyundai Santa Fe insurance rates with $1,000 deductibles
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
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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 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.Discount auto insurance

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:

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.

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.

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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.

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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.Higher deductibles save money

These are some specific questions might point out if your situation will benefit from professional help.

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: