Cheap Insurance Quotes for a Hyundai Santa Fe in Georgia

Our editors always tell us that when writing about auto insurance, the words “cheap” or “affordable” really shouldn’t be used as a descriptor for car insurance rates. Excuse the oxymoron, but cheap auto insurance for a Hyundai Santa Fe can be hard, if not impossible, to find. We’ll try to make it up to you, because we will show you how you can get insurance that won’t break your budget.

The chances of finding the cheapest coverage for a Hyundai Santa Fe in Georgia relies on a complex equation that considers factors like your vehicle’s safety rating, if you have prior claims, and your choice of deductibles. Drivers on average will pay $930 each year to buy Hyundai Santa Fe insurance, but that policy rate is a valuation rating a 50-year-old married male that includes comprehensive and collision coverage and $500 policy deductibles.

There is a good possibility you are not 50 and maybe not even a male, maybe you are single instead of married, or maybe you are just looking for cheap liability insurance. Even a slight difference in rating criteria or coverage limits can cause big differences in the coverage rate.

This illustrates why the best way to find the most affordable coverage for your Hyundai is to regularly compare rates at renewal. Quotes are free and easy and you will be able to compare rates from some of the cheapest companies that insure Hyundai vehicles in Georgia.

Compare Hyundai Santa Fe Insurance Rates

The trim level of your Hyundai will likely have an effect on the insurance rate, so the rate you will pay to insure a Santa Fe GLS 2WD trim level will be $112 lower than the price to insure the more well-appointed Santa Fe Limited 4WD version, as shown in the chart below.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in garaging location in Georgia which can modify coverage rates substantially.

Determining which company quotes the cheapest auto insurance rates for a Hyundai Santa Fe calls for a little more effort in order to find the best price. Each insurance company has a unique approach to determine rates, so let’s examine the auto insurance companies that tend to be cheaper in Georgia.

Cheap Insurance Rates for Your Hyundai

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Auto-Owners offers some of the best car insurance rates in Georgia at around $864 each year. The Hartford, USAA, Central Mutual, and MetLife also qualify as some of the cheapest Georgia insurance companies.

As shown above, if you are a policyholder with Central Mutual and switched to The Hartford, you might achieve savings of in the vicinity of $283. Policyholders with MetLife might save as much as $316 a year, and Georgia Farm Bureau policyholders might lower prices by up to $377 a year.

To get a quick, customized rate comparison, click here to start a quote or quote rates from the companies below.

Understand that those premiums are averages for all types of drivers and the different vehicles they drive and are not factoring in a specific rating modification for a Hyundai Santa Fe. So the insurer that has the cheapest price for you may not even be in the above list. That underscores the importance of why you need to get rate quotes using your own specific driver information and vehicle.

Liability-only versus full coverage

Finding cheap insurance for a Hyundai Santa Fe in Georgia is probably important to most vehicle owners, and an easy way to buy cheap insurance is to not buy full coverage. The illustration below illustrates the comparison of insurance costs with full coverage compared to only the Georgia minimum liability coverage. The rates are based on no claims or driving violations, $500 deductibles, single status, and no discounts are taken into consideration.

As an average, full coverage on your policy costs an additional $2,192 per year more than just buying liability insurance. That is a big expense that brings up the question if full coverage is worth the money. There isn’t a written rule of when to stop paying for full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s replacement value is $4,500 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $3,500 after paying the physical damage deductible. If it’s costing in excess of $350 annually to have full coverage, then you may want to consider only buying liability coverage.

Progressive, State Farm, Geico, or Allstate: Who is cheapest?

If you are shopping around for insurance for a Santa Fe in Georgia, the most popular companies are Progressive, State Farm, Geico, and Allstate. The following table points out some of the different options and features that you can purchase from each one.

How to get cheap insurance for a Hyundai Santa Fe in Georgia

It’s not impossible to find cheaper rates, and here are many thrifty ideas that can help Georgia drivers get cheap coverage.

• Bundle home and auto and save
• Buy a car with high safety ratings
• Save money by staying claim-free
• Avoid accidents
• Save money by obeying traffic laws and keeping a clean driving record
• Keep rates low by comparing prices once a year

That final tip is extremely critical, as we discussed in the prior information. Insurance prices in Georgia can be modified anytime, so you should be ready to switch companies if a more affordable rate is found.

Having brand loyalty is commendable, but it’s not a good idea if that devotedness results in you overpaying money that could be spent on other things. In less than five minutes you could shop around and find cheaper car insurance for a Hyundai Santa Fe.