Affordable Rate Quotes for Hyundai Tucson Insurance in Scottsdale

Insurance rates Hyundai Tucson in ScottsdaleThe easiest way to quote cheaper Hyundai Tucson insurance is to regularly compare quotes from insurance carriers in Scottsdale. Price quotes can be compared by completing these steps.

  1. Spend some time learning about coverages and the measures you can control to drop your rates. Many risk factors that cause high rates such as accidents, traffic tickets, and an imperfect credit history can be improved by making minor driving habit or lifestyle changes. Read the full article for additional tips to prevent high rates and get additional discounts.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO and State Farm, while agents who are independent can give you price quotes from multiple sources.
  3. Compare the new quotes to your existing rates to see if you can save by switching companies. If you can save some money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

One piece of advice is to make sure you’re comparing the same liability limits and deductibles on each quote request and to quote with as many different companies as possible. This provides an apples-to-apples comparison and a complete price analysis.

Unimaginable but true, a large majority of drivers in Arizona have purchased from the same company for at least the last four years, and approximately 38% of consumers have never compared quotes from other companies. American drivers could save almost $859 every year just by comparing rates, but most tend to underestimate the rate savings if they switched.

Getting quotes for the lowest cost protection in Scottsdale can be fairly easy. Nearly every driver who compares rate quotes for insurance will find a lower-cost company. But Arizona vehicle owners must understand the way companies calculate your policy premium and take advantage of how the system works.

Hyundai Tucson insurance coverage information

The table displayed next showcases a range of coverage costs for Hyundai Tucson models. Having knowledge of how insurance prices are determined can help drivers make decisions on which coverage to buy.

Hyundai Tucson Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $184 $296 $308 $18 $92 $898 $75
Tucson GLS 4WD $210 $296 $308 $18 $92 $924 $77
Tucson Limited 2WD $210 $360 $308 $18 $92 $988 $82
Tucson Limited 4WD $210 $360 $308 $18 $92 $988 $82
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in specific location which can influence auto insurance rates considerably.

Difference between liability only and full coverage rates

The diagram below illustrates the difference between Hyundai Tucson insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The rate quotes are based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no policy discounts are applied.

When to drop comprehensive and collision

There isn’t a written rule of when to exclude full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s assume your Hyundai Tucson settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $7,000 after paying your policy deductible. If premium cost is more than $700 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some cases where dropping physical damage coverage is not a good plan. If you haven’t paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

How Car Insurance Companies Calculate Hyundai Tucson Insurance Prices

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that go into determining the price you pay for auto insurance. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can help you get lower rates.

GPS tracking and theft deterrents reduce rates – Selecting a car model that has a built-in theft deterrent system can save you some money. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.

Gender and auto insurance prices – Statistics have proven that females take fewer risks when driving. It does not mean women are BETTER drivers than men. They both get in auto accidents in similar percentages, but the male of the species have costlier accidents. Men also have more aggressive citations like DUI and reckless driving.

The example below shows the difference between Hyundai Tucson annual premium costs for male and female drivers. The data is based on no claims or driving violations, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

Decrease prices by maintaining coverage – Going without insurance is a fast way to increase your auto insurance rates. Not only will rates go up, the inability to provide proof of insurance could result in fines and jail time.

Location can impact price – Residing in areas with lower population has definite advantages when it comes to auto insurance. Fewer drivers and short commutes translates into fewer accidents and lower theft and vandalism rates. City drivers tend to have traffic congestion and a longer drive to work. Spending more time driving statistically corresponds to a higher accident and claim rate.

Being married is a bonus – Having a spouse can get you a discount compared to being single. Marriage means you’re more mature than a single person and insurance companies like that married drivers get in fewer accidents.

Multi-policy discounts can save money – Most larger insurers allow lower prices to clients who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, you may still want to compare other Scottsdale Tucson insurance rates to guarantee you are still saving the most.

Coverage deductibles are a factor – The deductibles define the amount you are willing to pay if a claim is determined to be covered. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply are colliding with a stationary object, fire damage, and having a roll-over accident. The more damage repair cost the insured has to pay upfront, the less your company will charge you for insurance.

Hyundai Tucson claim data – Insurers factor in insurance loss information when they set coverage costs for each model. Vehicles that the data shows to have high amounts or severity of claims will be charged more to insure. The data below shows the insurance loss data for Hyundai Tucson vehicles.

For each insurance policy coverage type, the loss probability for all vehicles, regardless of make or model, equals 100. Numbers below 100 are indicative of better than average losses, while percentage values above 100 point to more losses or statistically larger claims.

Hyundai Tucson Insurance Loss Statistics
Specific Hyundai Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Hyundai Tucson 4dr 2WD 80 96 66 108 110 101
Hyundai Tucson 4dr 4WD 82 102 70 109 109 109

Statistics from for 2013-2015 Model Years

Car insurance companies ranked

Ending up with the top car insurance provider can be difficult considering how many choices there are in Scottsdale. The ranking information displayed below could help you choose which coverage providers to look at shopping your coverage with.

Top 10 Scottsdale Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Smart shoppers get results

We’ve covered some good ideas how you can find lower-cost Hyundai Tucson insurance in Scottsdale. The key thing to remember is the more companies you get prices for, the higher your chance of finding affordable Hyundai Tucson insurance quotes. You may even discover the lowest priced insurance comes from a smaller regional carrier.

People switch companies for a variety of reasons including an unsatisfactory settlement offer, not issuing a premium refund, delays in paying claims or even unfair underwriting practices. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. There have been many situations where an insured cut physical damage coverage only to find out that it was a big mistake. Your objective should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

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