Insurance rates Hyundai Santa Fe in AuroraHow many times have you put off comparing quotes for lower-priced Hyundai Santa Fe insurance in Aurora? Finding low-cost insurance for a new or used Hyundai Santa Fe in Colorado could be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to shop for car insurance and we'll show you the proper way to compare rates on a Hyundai and locate the lowest price either online or from Aurora insurance agents.

Shockingly, the vast majority of Colorado car insurance customers kept their coverage with the same car insurance company for well over three years, and almost 40% of drivers have never shopped around. Drivers in America could save approximately $860 each year just by shopping around, but they assume it's a waste of time to find cheap rates by getting comparison quotes.

Compare Aurora Hyundai Santa Fe insurance quotes

Finding a lower price on insurance can be surprisingly simple. The only thing you need to do is take a few minutes getting comparison quotes from online providers.

The car insurance companies shown below can provide price comparisons in Colorado. If more than one company is shown, we recommend you get prices from several of them to get a more complete price comparison.

Hyundai Santa Fe Insurance Price Estimates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $204 $472 $396 $24 $118 $1,214 $101
Santa Fe GLS 4WD $172 $314 $338 $20 $100 $944 $79
Santa Fe SE 2WD $234 $448 $368 $22 $110 $1,182 $99
Santa Fe Limited 2WD $164 $390 $426 $26 $128 $1,134 $95
Santa Fe SE 4WD $336 $792 $474 $28 $142 $1,772 $148
Santa Fe Limited 4WD $284 $434 $460 $28 $138 $1,344 $112
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Information does not factor in garaging location in Aurora which can lower or raise premium rates considerably.

Deductible analysis

One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The rates below may help to conceptualize the differences in price when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Hyundai Santa Fe insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $264 $546 $352 $20 $106 $1,313 $109
Santa Fe GLS 4WD $302 $546 $352 $20 $106 $1,351 $113
Santa Fe SE 2WD $302 $546 $352 $20 $106 $1,351 $113
Santa Fe Limited 2WD $302 $644 $352 $20 $106 $1,449 $121
Santa Fe SE 4WD $302 $644 $352 $20 $106 $1,449 $121
Santa Fe Limited 4WD $342 $644 $352 $20 $106 $1,489 $124
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Hyundai Santa Fe insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $146 $288 $352 $20 $106 $912 $76
Santa Fe GLS 4WD $168 $288 $352 $20 $106 $934 $78
Santa Fe SE 2WD $168 $288 $352 $20 $106 $934 $78
Santa Fe Limited 2WD $168 $340 $352 $20 $106 $986 $82
Santa Fe SE 4WD $168 $340 $352 $20 $106 $986 $82
Santa Fe Limited 4WD $190 $340 $352 $20 $106 $1,008 $84
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price information does not factor in specific Aurora garaging location which can revise prices noticeably.

Based on these figures, using a $100 deductible would cost the average driver about $37 more each month or $444 every year than choosing the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 24 months between claims, you would probably come out ahead by selecting a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $117
Average monthly premium for $1,000 deductibles (subtract): - $80
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One important caveat is that raising deductibles results in a higher out-of-pocket expense when you file a claim. It will be required that you have some money saved in order to pay more to get your vehicle repaired.

Responsible drivers pay cheaper auto insurance rates

The example below illustrates how speeding tickets and accidents can impact Hyundai Santa Fe yearly insurance costs for different age groups. The premiums assume a married female driver, full coverage, $100 deductibles, and no policy discounts are applied.

Affordable Aurora auto insurance rates with discounts

Companies do not list every available discount very clearly, so the list below gives a summary of both the well known and the more hidden discounts that may be available.Discount auto insurance

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, it's just not the way it works.

Companies and a partial list of their discounts include:

Check with each insurance company the best way to save money. Some credits may not apply to policyholders in your state. To view insurers with the best Hyundai Santa Fe insurance discounts in Aurora, click here to view.

Get Lower-cost Car Insurance with These Tips

Many factors are considered when you get your auto insurance bill. Some factors are common sense such as traffic violations, although some other factors are less apparent such as your credit history or your vehicle rating.

You may save more by bundling policies - Lots of car insurance companies allow a discount to customers that purchase more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be ten percent or more. Even if you qualify for this discount already, drivers will still want to compare Hyundai Santa Fe rates in Aurora to verify if the discount is saving money. You may still find better rates by insuring with multiple companies.

Your stress level may be raising your prices - Occupations such as military personnel, business owners and financial analysts usually pay higher rates than average in part from intense work situations and lengthy work days. Other careers like scientists, historians and retirees receive lower rates.

Insurance rates are higher for high performance vehicles - The make and model of the vehicle you need insurance for makes a substantial difference in your car insurance bill. Due to the fact that the Hyundai Santa Fe is considered a standard SUV, insuring your vehicle will cost slightly more than the average rate where you live in Aurora. Small economy passenger cars receive the most favorable rates, but the final cost of insurance is determined by many other factors.

Lower annual miles equals lower premium - The higher the miles on your Hyundai in a year the more you'll pay to insure your vehicle. Many insurance companies price each vehicle's coverage based upon how the vehicle is primarily used. Cars and trucks used primarily for pleasure use can be on a lower rate level than those used for commuting. Having the wrong rating on your Santa Fe may be costing you higher rates. It's always a good idea to double check that your vehicle rating is showing the proper vehicle usage.

Low credit history equals high premiums - Having a good credit score is a big factor in determining premium rates. Consumers who have good credit tend to file fewer claims than drivers who have poor credit scores. Therefore, if your credit is low, you could pay less to insure your Hyundai Santa Fe by improving your credit score.

Don't skimp on liability protection - Your car insurance policy's liability coverage will afford coverage when you are found liable for an accident. Your liability coverage provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to comp and collision, so buy as much as you can afford.

Hyundai Santa Fe insurance loss statistics - Companies take into consideration insurance loss statistics for every vehicle as a tool for profitable underwriting. Vehicles that are shown to have increased claim numbers or amounts will cost more for coverage.

The table below shows the historical loss data for Hyundai Santa Fe vehicles. For each coverage category, the claim amount for all vehicles, as an average, is equal to 100. Values that are under 100 indicate a favorable loss history, while numbers above 100 point to more frequent losses or an increased likelihood of larger losses.

Auto Insurance Loss Data for Hyundai Santa Fe Models

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
BETTER
AVERAGE
WORSE

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Are car insurance agents used anymore?

Some people still like to sit down with an agent and we recommend doing that Good agents are very good at helping people manage risk and help you file claims. A good thing about price shopping on the web is that you can obtain lower premium rates and still choose a local agent. Buying insurance from small agencies is definitely important in Aurora.

Aurora insurance agentsAfter completing this form (opens in new window), your coverage information gets sent to local insurance agents in Aurora that provide free Aurora car insurance quotes and help you find cheaper coverage. You don't have to do any legwork since rate quotes are delivered to you instantly. In the event you want to get a rate quote from a specific insurance provider, feel free to navigate to their website to submit a rate quote request.

If you're trying to find a reliable insurance agent, it's helpful to know the different types of agents and how they operate. Agents in Aurora can be described as either independent (non-exclusive) or exclusive. Both sell and service insurance coverage, but it's good to learn the difference in how they write coverage because it can factor into the type of agent you choose.

Independent Insurance Agencies

Agents that elect to be independent do not write with just one company and that is an advantage because they can write policies with many different companies and find you the best rates. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency. If you need cheaper insurance rates, we recommend you compare prices from several independent agencies for the best price selection. They often place coverage with small regional insurance companies which could offer lower prices.

The following are Aurora independent insurance agents that can possibly get you free price quotes.

View more Aurora agents

Exclusive Insurance Agencies

Exclusive insurance agents can usually just insure with one company and examples are Farmers Insurance or State Farm. These agents are unable to provide other company's prices so keep that in mind. Exclusive agents are usually well trained on the products they sell which helps them compete with independent agents. Some people will only use the same agent primarily because of the brand name and the convenience of having a single billing for all their coverages.

The following is a list of exclusive agents in Aurora willing to provide price quote information.

View more Aurora agents

Finding a good insurance agent requires more thought than just the quoted price. These are valid questions to ask:

If you feel you receive satisfactory answers to all your questions and a low price estimate, you've probably found a car insurance agent that meets the requirements to properly service your insurance policy. Just keep in mind you are entitled to terminate your policy for any reason so don't feel that you're stuck with any specific agency indefinitely.

Why you might not save $438 a year

Colorado consumers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm and Allstate. They all make the same claim of big savings if you just switch your coverage to them.

But how can every company save you money on Hyundai Santa Fe insurance in Aurora? You have to listen carefully.

Most companies quote their best rates for the driver that will not have excessive claims. An example of a desirable insured could be over the age of 45, has a clean driving record, and drives newer vehicles. Any person that fits those parameters will get a cheap rate quote in Aurora and have a good chance to cut their Hyundai Santa Fe insurance rates if they switch.

Drivers who are not a match for the ideal profile will see higher rates and this can result in the customer not purchasing. Company advertisements say "customers that switch" not "everyone that quotes" save that kind of money. That is how companies can claim big savings.

This emphasizes why drivers must get Aurora car insurance quotes from several different companies. It is impossible to predict which company will provide you with the cheapest Hyundai Santa Fe insurance in Aurora.

Be persistent and save

The cheapest Hyundai Santa Fe insurance in Aurora can be sourced from both online companies in addition to local insurance agencies, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agencies.

While you're price shopping online, you should never skimp on coverage in order to save money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. The ultimate goal is to buy enough coverage at a price you can afford while not skimping on critical coverages.

People leave their current company for a number of reasons such as policy cancellation, poor customer service, not issuing a premium refund or even being labeled a high risk driver. No matter why you want to switch, finding a great new company is less work than it seems.

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