Who Has Cheap Insurance Quotes for a Hyundai Santa Fe in California?

Your chances of buying cheaper insurance for a Hyundai Santa Fe in California is contingent on a pretty complex algorithm that uses a lot of factors like the number of years you have been licensed, if you are currently insured, and your choice of deductibles. Drivers in California pay on average $1,290 per year to insure a Santa Fe, but that amount is a projection using rate data for a 40-year-old married male driver that purchased full coverage and $250 deductibles.

There is a high probability that you are not a 40-year-old male, possibly single instead of married, and you probably do not live in the same zip code as the example. What people think is a minor change in the factors used in pricing a policy could end up with a large change in the cost of a policy.

There is no perfect policy for every driver, so the best method for finding cheap auto insurance rates for your Hyundai is to just take the time to do a thorough rate comparison. In just a few minutes you will be able to compare rates from some of the best insurers around.

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The specific trim level will be a contributing factor to the cost of coverage, so the rate you will pay to insure a Santa Fe GLS 2WD model will be $174 less than the cost to insure the more well-appointed Santa Fe Limited 4WD trim level, as shown in the table below.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Table data does not factor in your specific California location which can change premiums considerably.

Comparing quotes for low-priced car insurance is tough enough, and determining which company has the most affordable auto insurance rates for a Hyundai Santa Fe takes even more shopping around.

Each company uses slightly different criteria to set policy rates, so let’s begin by taking a look at the auto insurance companies with the overall best prices in California. It’s important that readers know that California auto insurance rates are based on many factors which can significantly increase or decrease the price you pay for coverage. Price variation is why California drivers need to compare rates when trying to get the most economical insurance quotes for a Hyundai Santa Fe. Prices are influenced by many things and can decrease or increase without notice, so the best price when you bought your policy may now be costing you a lot of money.

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USAA quotes some of the best car insurance rates in California at around $1,121 per year. Wawanesa, Century National, Nationwide, and CSAA also rank well as some of the more affordable California insurance companies.

As shown in the rates above, if you are a policyholder with CSAA and switched to Wawanesa, you could earn a yearly savings of about $77. Drivers with 21st Century might save as much as $209 a year, and Grange insureds might reduce prices by as much as $290 a year.

To find cheap insurance for a Hyundai Santa Fe in California, click here to get a free quote or visit any of the companies below.

These premium estimates are averages for all ages of drivers and types of vehicles and are not factoring in a specific rating modification for a Hyundai Santa Fe. So the car insurance company that is most affordable for your situation may not even be featured in the chart above. That illustrates why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

Do you need full coverage?

Finding cheap insurance for a Hyundai Santa Fe in California is probably important to most people, and one of the fastest ways to pay less for insurance is to buy liability only. The information below illustrates the difference between car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no accidents or driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.

If we average all the age groups together, physical damage coverage costs $2,689 per year over having just liability coverage. That is a significant amount which raises the question if buying full coverage is a good investment. There is no set guideline for phasing out physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your vehicle’s claim settlement value is $7,500 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $6,500 after the deductible is paid. If premium cost is more than $650 annually to have full coverage, then you might want to consider buying only liability coverage.

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Insurance companies that sell cheap insurance for a Hyundai Santa Fe in California may additionally offer premium discounts that can reduce rates by as much as 25% or more if you qualify. Large auto insurance companies and some of their more popular discounts include:

The diagram below visualizes the comparison of auto insurance costs with and without discounts being applied to the rates. Data assumes a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, safe-driver, multiple policy, accident-free, vehicle safety, and claim-free discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for a Hyundai Santa Fe is % or $.

Is Allstate, Geico, State Farm, or Progressive cheaper?

If you are shopping around for car insurance, the companies with the most market share are Allstate, Geico, State Farm, and Progressive. If you put them all together, they insure about half of all policies written. All of them offer physical damage and liability coverage, but each has a distinct set of features and optional coverages that drivers can select from. The data below illustrates ratings for price, service, and claims, in additional to some of the optional coverages that policyholders can buy.