If saving money is your primary concern, then the best way to get the cheapest Hyundai Santa Fe insurance is to start comparing rates regularly from companies that sell auto insurance in Jacksonville. Price quotes can be compared by completing these steps.
- Step 1: It will benefit you to learn about coverages and the things you can change to prevent rate increases. Many rating criteria that cause rate increases such as at-fault accidents and a negative credit history can be rectified by paying attention to minor details. This article gives more information to help prevent expensive coverage and get additional discounts that may have been overlooked.
- Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can provide prices for many different companies.
- Step 3: Compare the new rates to the price on your current policy to determine if switching companies saves money. If you find a better price and change companies, make sure there is no coverage gap between policies.
- Step 4: Provide notification to your current company to cancel your current car insurance policy and submit any necessary down payment along with the completed application to the new company. Immediately store the certificate verifying coverage with your vehicle’s registration.
A good tip to remember is that you use similar deductibles and liability limits on each price quote and and to analyze as many auto insurance providers as possible. Doing this ensures an accurate price comparison and the best rate selection.
It’s a fact that insurance companies want to keep you from shopping around. Drivers who shop around for cheaper rates are likely to buy a different policy because there is a great chance of finding a more affordable policy premium. A recent auto insurance study revealed that consumers who shopped around every year saved $865 a year as compared to drivers who never compared other company’s rates.
If finding the best price on insurance in Jacksonville is your ultimate objective, then having a good understanding how to choose a company and compare car insurance can help simplify the task of finding more affordable coverage.
If you’re already insured or just want to save money, use these money-saving tips to find the best rates and still get good coverage. Buying the cheapest car insurance in Jacksonville seems hard but is not really that difficult. Shoppers just need to understand the least time-consuming way to compare insurance rates from many different companies.
Most major insurance companies like State Farm and Allstate provide coverage prices directly from their websites. Getting Hyundai Santa Fe insurance prices online is pretty easy as you simply type in your required coverages as detailed in the form. When complete, the quote system obtains reports for credit and driving violations and quotes a price based on the information you submitted. Getting online rate quotes for Hyundai Santa Fe insurance in Jacksonville simplifies rate comparisons, and it’s very important to do this in order to find the most affordable car insurance rates.
To compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you duplicate the coverages exactly as shown on your declarations page. This ensures you will have a price comparison for the exact same coverage.
The providers in the list below can provide free rate quotes in Florida. If multiple companies are shown, we suggest you visit as many as you can to get the most affordable price.
Statistics and details
The rate table displayed next highlights a range of insurance policy prices for Hyundai Santa Fe models. Being able to understand how insurance prices are calculated can help guide drivers when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $312 | $648 | $418 | $24 | $124 | $1,526 | $127 |
| Santa Fe GLS 4WD | $358 | $648 | $418 | $24 | $124 | $1,572 | $131 |
| Santa Fe SE 2WD | $358 | $648 | $418 | $24 | $124 | $1,572 | $131 |
| Santa Fe Limited 2WD | $358 | $764 | $418 | $24 | $124 | $1,688 | $141 |
| Santa Fe SE 4WD | $358 | $764 | $418 | $24 | $124 | $1,688 | $141 |
| Santa Fe Limited 4WD | $406 | $764 | $418 | $24 | $124 | $1,736 | $145 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific zip code location which can impact prices substantially.
Hyundai Santa Fe insurance rates by gender
The illustration below illustrates the comparison of Hyundai Santa Fe annual premium costs for male and female drivers. The price estimates are based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, drivers are not married, and no other discounts are factored in.
Price comparison of only insuring for liability
The diagram below shows the comparison of Hyundai Santa Fe insurance premiums with and without physical damage coverage. The rate quotes are based on no violations or accidents, $100 deductibles, single status, and no discounts are applied to the premium.
When to drop comprehensive and collision
There is no set rule of when to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s say your Hyundai Santa Fe claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after paying the physical damage deductible. If you are paying in excess of $300 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some conditions where removing full coverage is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
Car insurance does more than just protect your car
Even though it’s not necessarily cheap to insure a Hyundai in Jacksonville, paying for car insurance serves several important purposes.
First, most states have minimum liability requirements which means state laws require a minimum amount of liability protection in order to drive the car. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your car, more than likely the lender will require you to buy full coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Hyundai at an extremely high rate and make you pay for it.
Third, car insurance protects both your vehicle and your personal assets. It will also cover most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay to defend you if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of having car insurance more than offset the price you pay, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $750 every year so it’s important to compare rates at every policy renewal to ensure rates are inline.
You may need specialized insurance coverage
When it comes to choosing your policy for your vehicles, there is no best way to insure your cars. Your needs are unique to you.
Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.
- Does my medical payments coverage pay my health insurance deductible?
- What if I total my Hyundai Santa Fe and owe more than it’s worth?
- Does car insurance cover theft of personal property?
- I don’t drive much so do I pay less?
- How much underlying liability do I need for an umbrella policy?
- Am I covered if my car is in a flood?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.
Educate yourself about insurance coverages
Having a good grasp of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.
Liability car insurance
Liability coverage protects you from damages or injuries you inflict on people or other property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 10/20/10 which stand for a $10,000 limit per person for injuries, a limit of $20,000 in injury protection per accident, and property damage coverage for $10,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.
Liability coverage pays for things such as repair costs for stationary objects, legal defense fees, medical expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford. Florida requires drivers to carry at least 10/20/10 but drivers should carry more coverage.
The illustration below shows why buying low liability limits may not be enough.
Coverage for collisions
Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims like hitting a mailbox, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible on your Santa Fe to bring the cost down.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like funeral costs, hospital visits, nursing services, EMT expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like a tree branch falling on your vehicle, rock chips in glass, hitting a deer, damage from flooding and fire damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Hyundai Santa Fe.
Since many Florida drivers have only the minimum liability required by law (10/20/10 in Florida), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.
Quote more to save more
Consumers switch companies for many reasons like denial of a claim, poor customer service, high rates after DUI convictions and even being labeled a high risk driver. Regardless of your reason, finding the right car insurance provider is actually quite simple.
More affordable car insurance in Jacksonville can be purchased from both online companies in addition to many Jacksonville insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide internet price quotes and usually these small, regional companies prefer to sell through independent agencies.
You just read quite a bit of information on how to compare Hyundai Santa Fe insurance premium rates in Jacksonville. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.
More detailed car insurance information can be found at these sites:
- Things to Know Before you Cancel Insurance (Allstate)
- What Auto Insurance is Cheapest with Multiple Speeding Tickets in Jacksonville? (FAQ)
- Who Has Cheap Jacksonville Car Insurance for Business Use? (FAQ)
- Who Has Cheap Jacksonville Car Insurance Rates for Teachers? (FAQ)
- How Much are Jacksonville Auto Insurance Quotes for a Chevrolet Traverse? (FAQ)
- Who Has Affordable Jacksonville Car Insurance for College Graduates? (FAQ)
- How Much are Auto Insurance Rates for Low Mileage Drivers in Jacksonville? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Older Driver Statistics (Insurance Information Institute)
- Understanding your Policy (NAIC.org)