Really, the only way to get discount Hyundai Santa Fe insurance in Plano is to regularly compare quotes from companies who provide car insurance in Texas.
Step 1: Get an understanding of the different coverages in a policy and the factors you can control to prevent expensive coverage. Many rating criteria that cause rate increases like traffic violations and poor credit rating can be controlled by improving your driving habits or financial responsibility.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO and State Farm, while independent agents can provide prices from multiple companies.
Step 3: Compare the new rate quotes to your existing rates to see if cheaper Santa Fe coverage is available in Plano. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.
Step 4: Notify your company or agent of your intent to cancel your existing policy and submit the application along with any required down payment to your new insurance company. Immediately keep your new proof of insurance certificate with your vehicle's registration.
An essential thing to point out is to use the same amount of coverage on every quote request and and to get price quotes from as many carriers as you can. This enables an accurate price comparison and a thorough selection of prices.
It's an obvious conclusion that insurance companies want to keep your business as long as possible. Drivers who shop around for cheaper prices are highly likely to switch to a new company because of the high probability of finding a lower rate. A recent survey revealed that drivers who compared rate quotes regularly saved about $865 a year compared to people who never shopped around for lower prices.
If finding the cheapest price for Hyundai Santa Fe insurance is the reason you're reading this, then learning a little about the best ways to shop for car insurance can help simplify the process.
Pricing affordable auto insurance in Plano is easy if you know what you're doing. In a nutshell, each driver who requires lower cost auto insurance should find a lower-cost policy. But Texas drivers must know how insurance companies determine premium rates and use this information to your advantage.
Cheap companies for Hyundai Santa Fe insurance
The companies shown below have been selected to offer free quotes in Plano, TX. In order to find cheaper auto insurance in Plano, we recommend you compare several of them to get the best price comparison.
Rates and information analytics
The coverage table displayed next covers detailed analysis of insurance policy prices for Hyundai Santa Fe models. Learning as much as possible about how rate quotes are calculated can help customers make smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Santa Fe GLS 2WD||$190||$368||$392||$24||$118||$1,092||$91|
|Santa Fe GLS 4WD||$218||$368||$392||$24||$118||$1,120||$93|
|Santa Fe SE 2WD||$218||$368||$392||$24||$118||$1,120||$93|
|Santa Fe Limited 2WD||$218||$434||$392||$24||$118||$1,186||$99|
|Santa Fe SE 4WD||$218||$434||$392||$24||$118||$1,186||$99|
|Santa Fe Limited 4WD||$246||$434||$392||$24||$118||$1,214||$101|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Estimates do not factor in Plano location which can increase or decrease coverage prices noticeably.
Irresponsible driving raises your rates
The example below highlights how speeding tickets and at-fault claims influence Hyundai Santa Fe car insurance rates for different age categories. The data is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
Auto insurance premiums by gender
The chart below illustrates the difference between Hyundai Santa Fe insurance prices for male and female drivers. The premiums assume no violations or claims, comp and collision included, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Eight Tips to Get More Affordable Plano Insurance Rates
A large part of saving on auto insurance is knowing the factors that help determine your premiums. If you know what determines premiums, this enables you to make decisions that can earn you big savings.
The itemized list below are some of the factors that factor into your premiums.
Teen drivers are expensive to insure - Beginning drivers in Texas are statistically proven to be inattentive in a vehicle therefore auto insurance rates are much higher. Older drivers are shown to be more cautious, statistically cause fewer accidents, and receive fewer citations.
The data below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Do you have enough liability coverage? - The liability coverage on your policy is the protection when you are determined to be liable for damages from an accident. Liability insurance provides legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
High credit scores save money - Having a bad credit score is a large factor in calculating your premium rate. People with excellent credit scores tend to be more responsible and file fewer claims than those with lower credit scores. Therefore, if your credit is low, you may save money insuring your Hyundai Santa Fe by improving your rating.
Better prices on cars with good safety ratings - Cars with five star safety ratings tend to have lower insurance rates. Safer cars protect occupants better and lower rates of occupant injuries means lower claim amounts and thus lower rates. If the Hyundai Santa Fe is rated at least four stars on Safercar.gov or an "acceptable" rating on iihs.org it may cost less to insure.
Long commutes cost more - The more you drive your Hyundai each year the higher your rate. Many insurance companies price each vehicle's coverage based on how the vehicle is used. Cars left parked in the garage qualify for better rates compared to those used for work or business. Having the wrong rating on your Santa Fe may be costing you. Verify your policy properly reflects annual mileage.
Consider raising coverage deductibles - Comp and collision deductibles are the amount of money you are required to spend before your auto insurance pays a claim. Protection for physical damage, also called comprehensive and collision insurance, insures against damage to your car. A few examples of covered claims would be a windshield broken by a bird, damage from fire, and having a roll-over accident. The higher the amount the insured has to pay upfront, the lower your rates will be.
Reserve policy claims for larger damages - If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies in Texas generally give cheaper rates to people who do not rely on their insurance for small claims. Insurance coverage is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
Auto insurance policy lapses increase prices - Not having insurance is a big no-no and you will pay a penalty because you let your insurance coverage expire. And not only will your rates increase, the inability to provide proof of insurance may result in a steep fine or even jail time.
Hyundai Santa Fe insurance loss statistics - Insurance companies use historical loss data when determining insurance costs. Vehicles that statistically have higher claim frequency or loss amount will have higher premium rates.
The data below shows the insurance loss data used by companies for Hyundai Santa Fe vehicles. For each policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is considered to be 100. Values that are under 100 represent a good loss history, while values that are above 100 point to more claims or tendency to have higher losses.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Hyundai Santa Fe 4dr 2WD||91||94||82||86||92||91|
|Hyundai Santa Fe 4dr 4WD||109||115||97||96||84||94|
|Hyundai Santa Fe Sport 4dr 2WD||88||90||93||90||89||93|
|Hyundai Santa Fe Sport 4dr 4WD||95||91||110||90||96||84|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get discounts on Plano auto insurance
Auto insurance is neither fun to buy or cheap, but you may be missing some discounts that many consumers don't even know exist. Most are applied when you get a quote, but a few need to be requested specifically before they will apply.
- Resident Student - Kids who are enrolled in higher education away from home and leave their car at home can receive lower rates.
- Anti-theft Discount - Cars and trucks optioned with advanced anti-theft systems can help prevent theft so companies will give you a small discount.
- No Claims - Drivers who don't have accidents are rewarded with significantly better rates on Plano auto insurance quote when compared with drivers with a long claim history.
- ABS Braking Discount - Cars with anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
- Defensive Driving Course - Taking part in a defensive driving course could save 5% or more depending on where you live.
- Save with More Vehicles Insured - Buying insurance for all your vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
- Senior Discount - If you're over the age of 55, you may be able to get a slight reduction on a Plano auto insurance quote.
- Telematics Devices - People who choose to allow their auto insurance company to spy on driving patterns through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they show good driving skills.
- Discount for Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
Remember that most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. Even though the math looks like it's possible to get free car insurance, nobody gets a free ride.
The information below shows the comparison of Hyundai Santa Fe insurance prices with and without policy discounts. The premium estimates are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, claim-free, marriage, and homeowner discounts applied.
If you would like to choose from a list of providers who offer online Hyundai Santa Fe insurance quotes in Plano, click here to view.
Neighborhood agents and auto insurance
A small number of people would prefer to go talk to an agent and doing that can be a smart decision One of the great benefits of price shopping on the web is the fact that you can find cheap rate quotes but also keep your business local. Putting coverage with local agencies is still important in Plano.
After completing this short form, your information is submitted to insurance agents in Plano that can provide free Plano auto insurance quotes and help you find cheaper coverage. You don't have to visit any agencies as quotes are delivered to you instantly. You can find better rates without a big time investment. If you need to get a price quote from a particular provider, you would need to jump over to their website and complete a quote there.
When researching local Plano agents, you should know the different agency structures and how they are slightly different. Auto insurance agencies are considered either independent (non-exclusive) or exclusive.
Independent Auto Insurance Agencies
Independent agents can quote rates with many companies so they can quote policies with a variety of different insurance companies and find you the best rates. If they quote lower rates, they simply move your policy to a different company which requires no work on your part. When comparison shopping, it's recommended you include rate quotes from at a minimum one independent agency for maximum quote selection. They often place coverage with less well-known companies that many times have cheaper rates.
Listed below is a partial list of independent insurance agencies in Plano who may be able to give you pricing information.
- Executive Insurance Agency
6900 Alma Dr - Plano, TX 75023 - (469) 229-9080 - View Map
- Paragon Independent Insurance Agencies
6305 Preston Rd Suite 1000 - Plano, TX 75024 - (972) 473-4813 - View Map
- Hallmark Insurance Co
6500 Pinecrest Dr - Plano, TX 75024 - (800) 486-5616 - View Map
These agents generally can only insure with one company and examples are AAA, Allstate, and State Farm. They generally cannot provide other company's prices so always compare other rates. Exclusive agencies are highly trained on their products and sales techniques and that allows them to sell at a higher price point. Consumers frequently purchase coverage from exclusives partially due to the prominent brand name and strong financial ratings.
The following are Plano exclusive agents who can help you get rate quotes.
- Brad Salter - State Farm Insurance Agent
8000 Coit Rd #100 - Plano, TX 75025 - (972) 731-0350 - View Map
- Allstate Insurance: John Clements
2500 Dallas Pkwy Ste 150 - Plano, TX 75093 - (972) 312-1800 - View Map
- Allstate Insurance: Matthew Greiner
2415 Coit Rd d - Plano, TX 75075 - (972) 769-8800 - View Map
Deciding on an insurance agent requires more thought than just the bottom line cost. These questions are important to ask:
- Where would glass claims be handled in Plano?
- Can you get a list of referrals?
- Do the companies they represent have a solid financial rating?
- Does the agency provide any after hours assistance?
- Can you contact them at any time?
Compare but don't skimp
When buying insurance coverage, it's not a good idea to buy poor coverage just to save money. Too many times, an insured cut comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage at the best price, but do not skimp to save money.
Throughout this article, we presented many ways to compare Hyundai Santa Fe insurance car insurance rates in Plano. The key thing to remember is the more rate quotes you have, the better likelihood of getting inexpensive Plano auto insurance quotes. You may even discover the best price on auto insurance is with a small local company.
Consumers switch companies for a number of reasons such as delays in paying claims, poor customer service, delays in responding to claim requests and unfair underwriting practices. It doesn't matter what your reason, finding a new auto insurance company can be pretty painless.
More information is available on the following sites:
- Preventing Carjacking and Theft (Insurance Information Institute)
- What Insurance is Cheapest for Government Employees in Plano? (FAQ)
- What Car Insurance is Cheapest for Immigrants in Plano? (FAQ)
- Who Has Affordable Car Insurance Quotes for Postal Workers in Plano? (FAQ)
- Who Has the Cheapest Auto Insurance for Homeowners in Plano? (FAQ)
- Collision Coverage (Liberty Mutual)
- Red Light Cameras (State Farm)
- Eight Auto Insurance Myths (Insurance Information Institute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)