Auto Insurance Rates for a Hyundai Tucson in Fresno

It’s amazing but nearly 70% of drivers have purchased from the same company for a minimum of four years, and 38% of drivers have never compared rates from other carriers. Fresno drivers can save hundreds of dollars each year, but they just don’t understand how easy it is to compare other rate quotes.

Insurance for Hyundai TucsonIf you want to find the absolute lowest rates, then the best way to find better pricing on Hyundai Tucson insurance in Fresno is to compare prices at least once a year from insurers in California. Rates can be compared by following these guidelines.

The key thing to know about shopping around is that you use similar limits and deductibles on each quote and and to get price estimates from as many different companies as possible. This enables an apples-to-apples comparison and a complete rate analysis.

If you have a policy now or just want a better rate, use these money-saving tips to lower your rates without reducing protection. Locating the most cost-effective insurance policy in Fresno can really be easy if you know what you’re doing. Drivers just have to learn the quickest method to compare rates online.

The best way we recommend to compare car insurance company rates for Hyundai Tucson insurance in Fresno is to know the fact most of the larger companies allow for online access to compare their rates. All consumers are required to do is give the companies some data such as any included safety features, whether you drive to work or school, if you went to college, and if you lease or own. Your insurance information is submitted instantly to many of the top insurers and you get price estimates very quickly.

To compare affordable Hyundai Tucson insurance rates now, click here and enter the information requested.

The following companies provide comparison quotes in California. To find cheaper car insurance in Fresno, we recommend you visit two to three different companies to get the lowest price.

Rates and statistics

The premium information below outlines estimates of insurance coverage prices for Hyundai Tucson models. Having a better understanding of how insurance quotes are formulated can help guide drivers when making informed decisions.

Hyundai Tucson Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $284 $582 $500 $30 $150 $1,546 $129
Tucson GLS 4WD $326 $582 $500 $30 $150 $1,588 $132
Tucson Limited 2WD $326 $708 $500 $30 $150 $1,714 $143
Tucson Limited 4WD $326 $708 $500 $30 $150 $1,714 $143
Get Your Own Custom Quote Go

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Table data does not factor in vehicle garaging location which can alter insurance rates significantly.

Physical damage deductibles: Should you raise them?

One of the more difficult decisions when buying auto insurance is what deductibles to buy. The figures shown below can help you visualize the rate difference when you choose different coverage deductibles. The first table uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.

Hyundai Tucson insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $298 $472 $442 $26 $132 $1,395 $116
Tucson GLS 4WD $342 $472 $442 $26 $132 $1,439 $120
Tucson Limited 2WD $342 $576 $442 $26 $132 $1,543 $129
Tucson Limited 4WD $342 $576 $442 $26 $132 $1,543 $129
Get Your Own Custom Quote Go

Hyundai Tucson insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $242 $382 $442 $26 $132 $1,224 $102
Tucson GLS 4WD $278 $382 $442 $26 $132 $1,260 $105
Tucson Limited 2WD $278 $464 $442 $26 $132 $1,342 $112
Tucson Limited 4WD $278 $464 $442 $26 $132 $1,342 $112
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in zip code location which can affect premiums greatly.

Based on the figures above, using a $250 deductible will cost you approximately $16 more each month or $192 every year across all Hyundai Tucson models than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 16 months between claims, you would come out ahead by going with a higher deductible.

Liability only or full coverage

The information below shows the difference between Hyundai Tucson auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The rate quotes are based on no violations or accidents, $500 deductibles, single status, and no policy discounts are applied.

Guidelines for dropping full coverage

There is no definitive rule of when to exclude comp and collision coverage, but there is a general guideline. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Hyundai Tucson replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $8,000 after paying your policy deductible. If it’s costing in excess of $800 a year for full coverage, then you may want to consider only buying liability coverage.

There are some cases where only buying liability is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Three reasons to not skimp on car insurance

Despite the potentially high cost of Hyundai Tucson insurance, buying car insurance may be mandatory for several reasons.

The benefits of buying car insurance are definitely more than the cost, especially if you ever need it. Unknowingly, the average driver is overpaying more than $810 a year so you should quote and compare rates at every policy renewal to save money.

Hyundai Tucson Insurance Premiums Can Be Lower

Multiple criteria are part of the equation when premium rates are determined. Some are pretty understandable like a motor vehicle report, although others are more transparent like your vehicle usage or your commute time. One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that help determine your insurance rates. If you know what impacts premium levels, this allows you to make good choices that may result in lower premium levels.

The itemized list below are some of the most common factors companies use to determine premiums.

How much auto insurance do I need?

Always keep in mind that when comparing the right insurance coverage for your personal vehicles, there really isn’t a perfect coverage plan. Your financial needs are unique.Higher deductibles save money

For instance, these questions can aid in determining whether your personal situation might need professional guidance.

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Be persistent and save

You just read some good ideas how to save on Hyundai Tucson insurance in Fresno. The key concept to understand is the more you quote Fresno car insurance, the better likelihood of getting low cost Fresno car insurance quotes. Consumers may even find the most savings is with a small mutual company.

Budget-conscious Hyundai Tucson insurance can be sourced on the web and also from your neighborhood Fresno agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not offer online rate quotes and many times these regional insurance providers only sell coverage through independent agencies.

Insureds who switch companies do it for a variety of reasons including questionable increases in premium, poor customer service, an unsatisfactory settlement offer or lack of trust in their agent. Regardless of your reason for switching companies, switching insurance companies can be less work than you think.

For more information, feel free to visit the resources below: