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

When we talk about car insurance, the words cheap or affordable really shouldn’t be used as a descriptor for car insurance rates. Despite the oxymoron, cheap car insurance for a Hyundai Santa Fe is almost non-existent. Don’t get your dauber down, because we are going to tell you how you can still get car insurance that won’t break your budget.

The odds of finding the cheapest car insurance for a Hyundai Santa Fe in Massachusetts is dependent upon many rating criteria like the safety features built into your vehicle, if you currently have coverage, and if you have any chargeable driving offenses. Drivers in Massachusetts pay on average $990 annually to buy Hyundai Santa Fe insurance, but that rate is an approximation using rating data for a 30-year-old single female who needs full comprehensive and collision coverage and $1,000 policy deductibles.

The problem with using this number is the good chance you aren’t exactly 30 years old or even a female, you might be married instead of single, or you want lower deductibles. Just a very minor change in rating criteria could result in a significant change in price quotes.

Car insurance coverage is unique to each driver, so this is why the best way to find cheap auto insurance rates for your Hyundai is to regularly compare rates at renewal. Get your free quotes now and you will get price quotes from top-rated companies in Massachusetts.

Find Cheaper Hyundai Santa Fe Insurance

Vehicle trim level tends to have a direct effect on the cost of coverage, so the price you will be charged to insure a Santa Fe GLS 2WD trim level will be $106 less expensive the insurance cost for the fancier Santa Fe Limited 4WD trim level, as shown in the prices below.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in specific garaging location which can change auto insurance rates considerably.

Deciphering which insurers offer the cheapest insurance rates for a Hyundai Santa Fe involves a bit more work in order to find the best price. Every car insurance company has their own process for setting prices, so let’s take a look at the most competitive insurance companies in Massachusetts.

Keep in mind that Massachusetts insurance rates are impacted by many things that may substantially change the cost of your policy. Simply turning a year older, buying a new vehicle, or having an at-fault accident can trigger changes in premium that can make some companies more affordable than others.

Best Auto Insurance Prices for Your Hyundai

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State Farm has some of the most affordable car insurance rates in Massachusetts at around $711 a year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also make the cut as some of the cheapest Massachusetts auto insurance companies.

In this example, if you have coverage with OneBeacon and switched to National Grange Mutual, you may realize an annual premium reduction of roughly $72. Insureds with Progressive could save as much as $168 a year, and Arbella insureds might see rate reductions of $169 a year.

Understand that those premiums are averages for all ages of drivers and types of vehicles and and are not calculated with a specific rate factor for a Hyundai Santa Fe. So the company that can offer you the lowest price may not even be in the list of companies shown earlier. That underscores the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.

Do you need full coverage?

Finding cheap insurance for a Hyundai Santa Fe in Massachusetts is probably important to the majority of drivers, and one common way to reduce the cost of insurance is to buy liability only. The example below illustrates the difference between insurance costs when comparing full coverage to liability only. The data assumes a clean driving record, no claims, $1,000 deductibles, single status, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2789,1187],[‘Age 30’, 1457,653],[‘Age 40’, 1423,605],[‘Age 50’, 1303,567],[‘Age 60’, 1265,557],[‘Age 70’, 1579,743]]);var options = {title: ‘Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Santa Fe in Massachusetts’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

On average, comprehensive and collision coverage on your policy costs $1,636 per year more than just insuring for liability. At some point, about every driver wonders when is it a good idea to stop buying full coverage. There is no definitive formula to delete comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

Tickets and at-fault accidents raise rates

The common sense way to earn cheap insurance for a Hyundai Santa Fe in Massachusetts is to be a safe driver and not receive tickets or have accidents. The diagram below highlights how speeding tickets and at-fault claims can raise insurance premiums for each age group. The data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 3357,4099,6731],[‘Age 30’, 1761,2505,5137],[‘Age 40’, 1691,2433,5063],[‘Age 50’, 1545,2289,4919],[‘Age 60’, 1517,2261,4893],[‘Age 70’, 1741,2483,5117]]);var options = {title: ‘Impact of Tickets and Claims on Massachusetts Hyundai Santa Fe Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Santa Fe in Massachusetts’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of auto insurance per year with no accidents and a clean driving record is $1,935. Receive two speeding tickets and the average cost rises to $2,678, an increase of $743 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Hyundai Santa Fe goes up to an average of $5,310. That’s an increase of $3,375, or $281 per month, just for not being a responsible driver!

Which auto insurance company is best?

If you want reliable insurance for a Santa Fe, the first places to look would be Progressive, State Farm, Geico, and Allstate. All four can cover your vehicle for liability and physical damage, but each one has a slightly different mix of options and features that may influence your choice. The next table compares and contrasts some of the different options .