Compare Hyundai Santa Fe Insurance Quotes in Columbus

Hyundai Santa Fe insurance rates image courtesy of QuoteInspector.com

I can't think of anyone who gets a kick out of paying for auto insurance, particularly when they are paying too much.

Sadly, most auto insurance customers have remained with the same auto insurance company for a minimum of four years, and 38% of customers have never compared auto insurance rates at all. Drivers in Ohio can cut their rates by almost 55% a year just by shopping around, but most undervalue how much money they would save if they just switched companies.

Steps to finding discount Hyundai Santa Fe insurance in Columbus

It takes a few minutes, but the best way to find cheaper quotes for auto insurance rates is to start doing a yearly price comparison from insurance carriers that sell auto insurance in Columbus. Prices can be compared by following these steps.

First, try to understand coverages and the changes you can make to prevent expensive coverage. Many rating factors that are responsible for high rates like accidents, traffic violations, and a poor credit score can be controlled by improving your driving habits or financial responsibility.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive and State Farm, while agents who are independent can quote rates from multiple insurance companies.

Third, compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you find a lower rate quote and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

A good tip to remember is to try to use the same deductibles and limits on every quote request and and to compare as many auto insurance providers as possible. Doing this enables a level playing field and a thorough price selection.

Due to the abundance of choices of insurance companies that have cheaper insurance for a Hyundai Santa Fe in Columbus, it can be difficult for drivers to pick a lower cost auto insurance company.

How to buy Columbus Hyundai Santa Fe insurance online

To find cheaper prices, there are a couple of ways of comparing price quotes from many available auto insurance companies in Ohio. By far the easiest way to do a complete rate comparison is to get quotes online.

It's so simple to compare auto insurance quotes online makes it obsolete to drive to insurance agencies in your area. Doing it all online has reduced the need for local agents unless you have a complicated situation and need the peace of mind of a local Columbus agent. Drivers can find lower rates online but purchase the actual policy in an agency. Keep in mind that comparing a wide range of rates provides better odds of finding more affordable rates. Some smaller insurers do not give price estimates online, so it's important to compare price quotes from the smaller companies as well.

The companies shown below provide comparison quotes in Ohio. If multiple companies are shown, we suggest you click on several of them in order to get a fair rate comparison.

Hyundai Santa Fe insurance statistics and information

The table below highlights different insurance costs for Hyundai Santa Fe models. Knowing how car insurance prices are formulated can aid in making smart choices when buying a car insurance policy.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium costs do not factor in vehicle location which can increase or decrease auto insurance rates substantially.

Policy deductible comparison

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The data tables below approximate how much more rates are between low and high physical damage deductibles. The first table uses a $100 physical damage deductible and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Prices do not factor in garaging location in Columbus which can impact rates considerably.

Based on these figures, using a $100 deductible will cost you about $17 more each month or $204 a year averaged for all Santa Fe models than requesting the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 24 months between claims, you would probably come out ahead if you choose a higher deductible.

The illustration below illustrates how your deductible choice and can affect Hyundai Santa Fe insurance rates for each different age category. The information is based on a married female driver, comp and collision included, and no discounts are taken into consideration.

Auto insurance premiums by gender

The information below shows the difference between Hyundai Santa Fe insurance premiums for male and female drivers. The price estimates are based on a clean driving record, no claims, comp and collision included, $100 deductibles, single marital status, and no additional discounts are factored in.

Car insurance is not optional

Despite the high cost, insuring your vehicle may be required and benefits you in several ways.

• Most states have compulsory liability insurance requirements which means you are required to carry specific minimum amounts of liability insurance in order to license the vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Hyundai Santa Fe has a loan, almost every bank will have a requirement that you carry insurance to guarantee loan repayment. If you let the policy lapse, the lender will be forced to insure your Hyundai at a much higher rate and require you to pay the higher premium.
• Car insurance protects both your Hyundai and your personal assets. It will also provide coverage for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if you are named as a defendant in an auto accident. If your Hyundai gets damaged, comprehensive and/or collision insurance will cover the repair costs.

The benefits of carrying enough insurance are definitely more than the cost, especially if you ever need it. According to a recent study, the average American driver overpays more than $810 a year so you should quote and compare rates once a year at a minimum to save money.

There's no such thing as the perfect insurance policy

Keep in mind that when it comes to choosing insurance from an agent or online, there really is no best way to insure your cars. Everyone's situation is unique.

Here are some questions about coverages that may help highlight if your situation would benefit from professional advice.

• Am I covered by my spouse's policy after a separation?
• Do I have coverage for damage caused while driving under the influence?
• Do I need roadside assistance coverage?
• What discounts do I qualify for?
• Can my teen drive my company car?
• What are good deductibles for a Hyundai Santa Fe?
• Which companies will insure me after a DUI?
• Is pet coverage available?

If you're not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Specific coverage details

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision - This coverage covers damage to your Santa Fe from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, hitting a parking meter, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It's also possible to raise the deductible on your Santa Fe to bring the cost down.

Liability coverages - Liability coverage will cover injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person's injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as pain and suffering, medical expenses, repair bills for other people's vehicles, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a personal decision, but it's cheap coverage so purchase as high a limit as you can afford. Ohio state minimum liability requirements are 25/50/25 but it's recommended drivers buy more coverage.

The chart below shows why buying minimum limits may not be adequate coverage.

Comprehensive insurance - This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, theft, vandalism and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) - Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Hyundai Santa Fe.

Due to the fact that many Ohio drivers have only the minimum liability required by law (25/50/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as pain medications, nursing services, surgery, ambulance fees and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Quote more and you will save more

Throughout this article, we presented many ideas to reduce Hyundai Santa Fe insurance rates online in Columbus. The most important thing to understand is the more companies you get car insurance rates for, the better chance you'll have of finding the cheapest Hyundai Santa Fe rate quotes. Consumers could even find that the best rates are with some of the smallest insurance companies.

When you buy Columbus car insurance online, don't be tempted to buy poor coverage just to save money. In too many instances, someone sacrificed collision coverage and learned later that the savings was not a smart move. Your strategy should be to find the BEST coverage at the best cost but still have enough coverage for asset protection.

Some companies do not provide rate quotes online and usually these small, regional companies only sell coverage through independent insurance agents. More affordable insurance in Columbus can be bought on the web and from local insurance agents, so compare prices from both to get a complete price analysis.

How to buy low-cost Hyundai Santa Fe insurance in Columbus

The best way we recommend to get cheaper auto insurance rates is to compare prices annually from different companies in Columbus. Rates can be compared by completing these steps.

• Step 1: Get a basic knowledge of how companies set rates and the factors you can control to prevent expensive coverage. Many policy risk factors that drive up the price like distracted driving and a negative credit rating can be improved by making small lifestyle or driving habit changes.
• Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can give you price quotes for a wide range of insurance providers. View prices
• Step 3: Compare the price quotes to your current policy and see if you can save money. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
• Step 4: Give notification to your current company of your intention to cancel your current coverage. Submit the completed application along with a down payment to your new agent or company. When you receive it, put the new proof of insurance certificate in an easily accessible location.

The most important part of shopping around is to make sure you're comparing the same physical damage deductibles and liability limits on every quote request and to quote with every company you can. This guarantees a level playing field and maximum price selection.

Much more information about insurance in Ohio is available at these links:

• How to shop for a safer car (Insurance Institute for Highway Safety)
• Who Has the Cheapest Columbus Auto Insurance for State Employees? (FAQ)
• What Car Insurance is Cheapest for Drivers with Good Credit in Columbus? (FAQ)
• How Much is Columbus Auto Insurance for a Hyundai Elantra? (FAQ)
• How Much is Columbus Auto Insurance for Infrequent Drivers? (FAQ)
• Who Has Cheap Auto Insurance for Nurses in Columbus? (FAQ)
• Who Has the Cheapest Columbus Auto Insurance for a Toyota Tacoma? (FAQ)
• Who Has Affordable Car Insurance Quotes for Good Drivers in Columbus? (FAQ)
• Who Has Cheap Car Insurance Quotes for Drivers Requiring a SR22 in Columbus? (FAQ)
• Auto Crash Statistics (Insurance Information Institute)
• How Much Auto Coverage do I Need? (Insurance Information Institute)