Purchasing 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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
- Early Renewal Discounts – A few larger companies give discounts for signing up before your current coverage expires. You can save around 10% with this discount.
- Good Student Discount – Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
- College Student – Any of your kids who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
- Discounts for Safe Drivers – Safe drivers can pay as much as 50% less than less cautious drivers.
- Homeowners Savings – Just being a homeowner can save a few bucks since owning and maintaining a home demonstrates responsibility.
- Active Service Discounts – Being deployed in the military could mean lower premium rates.
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.
To 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.
- Alcott Insurance
3945 Idaho St – San Diego, CA 92104 – (619) 293-3800 – View Map - Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map - Anchor General Insurance Agency-Texas
10256 Meanley Dr – San Diego, CA 92131 – (858) 527-3600 – View Map
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.
- Duane Werner – State Farm Insurance Agent
6663 El Cajon Blvd j – San Diego, CA 92115 – (619) 668-5414 – View Map - Steve Elder – State Farm Insurance Agent
9225 Mira Mesa Blvd #208d – San Diego, CA 92126 – (858) 271-8928 – View Map - Deryk Inn – State Farm Insurance Agent
3633 Camino del Rio S #100 – San Diego, CA 92108 – (619) 362-4820 – View Map
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.
- Are they in the agency full-time?
- Is there any savings for paying the full premium?
- How much training do they have in personal risk management?
- Is every driver in your family covered?
- Does their agency support local causes in San Diego?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- What are the financial ratings for the companies they represent?
- What are their preferred companies if they are an independent agency?
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.
For instance, these questions might help in determining whether your personal situation will benefit from professional help.
- What is motorclub and do I need it?
- What can I do if my company denied a claim?
- Does my policy cover me when driving someone else’s vehicle?
- Is my nanny covered when driving my vehicle?
- Can I rent a car in Mexico?
- Is my trailer covered?
- Does coverage extend to my business vehicle?
- How many claims can I have before being canceled?
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.
More detailed auto insurance information is located in the articles below:
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- How Much is Auto Insurance for Real Estate Agents in San Diego? (FAQ)
- How Much are Car Insurance Quotes for a Company Car in San Diego? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for 4×4 Vehicles in San Diego? (FAQ)
- Who Has Cheap Auto Insurance Rates for Homeowners in San Diego? (FAQ)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- All About Airbag Safety (State Farm)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)