Hyundai Tucson Insurance Rates in Plano

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We don't have to tell you that auto insurance companies don't want you to look for cheaper rates. Drivers who shop for lower prices will presumably switch companies because there are good odds of finding a lower-priced policy. A survey found that people who compared prices once a year saved about $850 each year as compared to drivers who don't regularly compare prices.

If finding discount rates on Hyundai Tucson insurance is why you're reading this, then having an understanding of how to find companies and compare cheaper coverage can help you succeed in saving money.

Insurance for Hyundai TucsonIt takes a few minutes, but the best way to find better pricing on car insurance rates is to start comparing rates regularly from companies that insure vehicles in Plano.

Step 1: Try to understand auto insurance and the measures you can control to prevent expensive coverage. Many rating criteria that result in higher rates like speeding and an unfavorable credit rating can be improved by making minor driving habit or lifestyle changes.

Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive and State Farm, while independent agencies can give you price quotes from multiple companies.

Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper rate is available. If you can save some money and make a switch, make sure there is no coverage gap between policies.

Step 4: Provide notification to your current company to cancel the current policy and submit payment along with a signed and completed policy application to your new agent or company. Once the paperwork is finalized, place the new certificate verifying coverage in your vehicle.

One thing to point out is to use identical coverages on each price quote and and to get price estimates from every company you can. Doing this ensures a fair price comparison and many rates to choose from.

Obtaining price quotes for more affordable policy in Plano is not as hard as you think. If you have a policy now or want to find a cheaper company, take advantage of these tips to save money while maximizing coverage. Drivers only need to know the quickest way to get comparison rates online.

The easiest way to compare insurance rates from multiple companies is to know the trick most of the bigger providers participate in a system to compare rate quotes. The one thing you need to do is give them rating details including what your job is, if a SR-22 is needed, how many miles driven, and marital status. Your insurance information is then sent to all major companies and they return cost estimate very quickly.

To compare multiple company cheaper Hyundai Tucson insurance rates now, click here and complete the form.

The following companies provide quotes in Texas. To get the best cheap car insurance in TX, it's a good idea that you click on several of them in order to get a fair rate comparison.

Hyundai Tucson insurance rates and statistics

The coverage information displayed below covers estimates of policy rates for Hyundai Tucson models. Being able to understand how car insurance premiums are calculated is important to be able to make smart choices when comparing insurance quotes.

Hyundai Tucson Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $220 $400 $400 $24 $120 $1,164 $97
Tucson GLS 4WD $254 $400 $400 $24 $120 $1,198 $100
Tucson Limited 2WD $254 $486 $400 $24 $120 $1,284 $107
Tucson Limited 4WD $254 $486 $400 $24 $120 $1,284 $107
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in your specific Plano location which can influence insurance rates substantially.

An analysis of deductible level

One of the hardest decisions when shopping for insurance is how high or low should comp and collision deductibles be. The data tables below summarize the premium difference of buying low and high comp and collision deductibles. The first pricing table uses a $100 deductible and the second price grid uses a $500 deductible.

Hyundai Tucson insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $286 $486 $382 $22 $114 $1,315 $110
Tucson GLS 4WD $328 $486 $382 $22 $114 $1,357 $113
Tucson Limited 2WD $328 $592 $382 $22 $114 $1,463 $122
Tucson Limited 4WD $328 $592 $382 $22 $114 $1,463 $122
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Hyundai Tucson insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $208 $328 $382 $22 $114 $1,054 $88
Tucson GLS 4WD $240 $328 $382 $22 $114 $1,086 $91
Tucson Limited 2WD $240 $400 $382 $22 $114 $1,158 $97
Tucson Limited 4WD $240 $400 $382 $22 $114 $1,158 $97
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in zip code location which can modify auto insurance rates greatly.

Based on the figures above, using a $100 deductible will cost you roughly $24 more each month or $288 each year averaged for all Tucson models than quoting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 17 months between claims, you would probably be better off by going with a higher deductible.

Should you buy full coverage?

The chart below shows the comparison of Hyundai Tucson insurance costs when comparing full coverage to state minimum liability only. The costs are based on no claims, a clean driving record, $500 deductibles, drivers are not married, and no discounts are applied.

Guidelines for dropping full coverage

There is no clear-cut rule for phasing out comp and collision coverage, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the vehicle's replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let's assume your Hyundai Tucson replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after paying your deductible. If it's costing in excess of $500 a year for your policy with full coverage, then it might be time to buy liability only.

There are a few cases where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

Hyundai Tucson insurance discounts in Plano

Some insurance providers don't always publicize all possible discounts in a way that's easy to find, so the following list contains a few of the more common and also the lesser-known credits available to you.Cheaper auto insurance with discounts

  • Club Memberships - Affiliation with certain professional organizations could earn you a nice discount on your policy.
  • Claim-Free Discount - Claim-free drivers can save substantially as opposed to accident-prone drivers.
  • Life Insurance - Select insurance carriers reward you with a discount if you purchase auto and life insurance together.
  • Save over 55 - If you qualify as a senior citizen, you could receive reduced rates.
  • Defensive Driving Course - Successfully completing a course that instructs on driving safety may get you a small discount depending on where you live.
  • Discounts for Safe Drivers - Accident-free drivers can save up to 40% or more on their Plano auto insurance quote than drivers with accident claims.
  • Theft Prevention System - Cars, trucks, and SUVs optioned with advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you're out of luck.

The chart below illustrates the difference between Hyundai Tucson insurance costs with and without policy discounts. Data assumes a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, multi-car, safe-driver, and multi-policy discounts applied.

Companies and a selection of discounts are outlined below.

  • GEICO policyholders can earn discounts including daytime running lights, membership and employees, five-year accident-free, anti-lock brakes, driver training, and multi-policy.
  • MetLife may offer discounts for accident-free, good student, good driver, multi-policy, claim-free, defensive driver
  • State Farm offers premium reductions for driver's education, multiple autos, safe vehicle, defensive driving training, multiple policy, passive restraint, and Drive Safe & Save.
  • Progressive may include discounts for continuous coverage, good student, online signing, online quote discount, multi-policy, homeowner, and multi-vehicle.
  • Mercury Insurance offers discounts for good driver, anti-theft, low natural disaster claims, good student, ease of repair, and accident-free.
  • 21st Century includes discounts for 55 and older, student driver, early bird, theft prevention, and air bags.
  • Allstate has discounts for new car, economy car, defensive driver, premier discount, eSmart discount, and FullPay discount.

When comparing rates, check with each company or agent which credits you are entitled to. Savings may not be offered in Plano.

Auto insurance just makes sense

Even though it can be expensive, auto insurance is a good idea for several reasons.

  • Most states have mandatory liability insurance requirements which means you are required to buy a specific level of liability in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a lien on your Hyundai, more than likely the lender will make it mandatory that you buy insurance to guarantee loan repayment. If you let the policy lapse, the bank may insure your Hyundai at a much higher premium rate and require you to reimburse them the higher premium.
  • Insurance safeguards not only your car but also your financial assets. It will also cover many types of medical costs for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers legal expenses in the event you are sued. If mother nature or an accident damages your car, your policy will cover the damage repairs after a deductible is paid.

The benefits of insuring your car are definitely more than the cost, especially if you ever need it. According to a recent study, the average American driver overpays more than $800 each year so shop around at least once a year to ensure rates are competitive.

Plano auto insurance company ratings

Insuring your vehicle with the right car insurance provider can be rather challenging considering how many companies there are to choose from in Plano. The company information shown below could help you choose which coverage providers to look at purchasing from.

Top 10 Plano Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

When should I contact a local insurance agent?

A lot of people prefer to visit with an insurance agent and that is just fine! Licensed agents are very good at helping people manage risk and help you file claims. The biggest benefit of comparing insurance prices online is you can get lower car insurance rates and still buy from a local agent. Supporting local insurance agents is still important in Plano.

Find insurance agent in PlanoUpon completion of this short form, your information is transmitted to participating agents in Plano that provide free Plano auto insurance quotes to get your business. There is no need to contact an agency due to the fact that quote results will go to your email. If for some reason you want to quote rates from one company in particular, just go to their quote page and give them your coverage information.

If you prefer to buy insurance from a reputable agency, it can be helpful to understand the types of insurance agents and how they work. Plano agents are considered either exclusive agents or independent agents. Both can insure your vehicles properly, but it's a good idea to understand the subtle differences because it can factor into buying decisions.

Independent Insurance Agents

Independent agents do not have single company limitations so they can quote policies through many different insurance companies and get the cheapest rates. If your agent finds better pricing, they simply move the coverage in-house and you don't have to find a new agent. When comparing rate quotes, you should always get several quotes from multiple independent agents to get the most accurate price comparison.

The following is a small list of independent insurance agents in Plano that may be able to give free price quotes.


542 Haggard St #502 - Plano, TX 75074 - (972) 335-4115 - View Map


3100 Independence Pkwy #216 - Plano, TX 75075 - (972) 665-0620 - View Map

Choice Insurance LLC
5045 Bridge Creek Dr - Plano, TX 75093 - (469) 467-6379 - View Map

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Exclusive Agents

Exclusive insurance agents can only quote rates from one company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot place coverage with different providers so they really need to provide good service. Exclusive agencies receive a lot of sales training on their company's products and that can be a competitive advantage.

Below is a short list of exclusive insurance agencies in Plano who can help you get price quote information.


5809 Preston Rd #586 - Plano, TX 75093 - (972) 378-1024 - View Map


2301 W Parker Rd #1 - Plano, TX 75023 - (972) 596-4809 - View Map


1301 Custer Rd #340 - Plano, TX 75075 - (972) 309-0009 - View Map

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Finding a good insurance agent should depend on more than just the premium amount. Before buying a policy in Plano, get answers to these questions.

  • Who is covered by the car insurance policy?
  • Do they have 24-hour customer assistance?
  • What kind of financial rating does the company have?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Can you contact them at any time?