Slash your Hyundai Tucson Insurance Rates in Three Steps
If buying car insurance was fun, we'd do it as a recreational sport. But more than likely, it's challenging for most people and we always end up paying more than we want. Buying insurance on your Hyundai Tucson might leave you feeling the same way.
Step One: Insurance Quotes
If you haven't priced insurance for awhile, you may still think that the only way to compare rates is to drive around town to multiple insurance offices and meet with an agent. Now that we have the internet, shopping for car insurance online is a snap!
Comparing insurance rates for a Hyundai Tucson only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Hyundai Tucson.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your Tucson.
Step Two: How to Cut Costs on Tucson Insurance
Once you have quotes in hand, you can then consider some of the other techniques for lowering your Tucson insurance rates.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
- You can check your credit score for free once a year, and it's a good idea to address any problems you find. Better credit results in better insurance rates.
- The SUV class of vehicles generally has higher insurance rates due to the higher chance that you'll drive in adverse weather conditions.
- If you're a young driver, you will pay more to insure a Tucson. There isn't anything you can do about your age, but rates will drop as you mature.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
- Filing too many claims with your company can end up either costing you more for insurance or having your policy cancelled. Insurance companies don't like paying any more than you do, but they have the option of whether to keep you as a policyholder or not.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- For some reason, car theives target particular makes and models more than others. If your Tucson is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
Step Three: Make an Informed Buying Decision
You've compared rates and hopefully looked over the coverages for each vehicle on your policy to make sure they're adequate. Now you can make the big decision on which company will best fulfill your needs.
On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.
Coverage will extend from your current policy if you're buying a Hyundai Tucson, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Most car insurance companies will extend coverage to newly purchased vehicles, but only up to the limits of the best insured vehicle. So if you only carry liability insurance and no physical damage coverage, your new purchase will be inadequately insured until you specifically add it to the policy with full coverage.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. If you qualilfy as a high-risk driver after being convicted of a DUI, reckless driving or driving on a suspended license, you may be required to file an SR-22 with your state's DMV. Be sure your new car insurance company is aware of this filing requirement.
Additional Learning Resources
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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