Has it been a year or more since you last compared quotes for the cheapest insurance rates in Denver, CO? Denver consumers have a choice when looking for the best price on Hyundai Tucson insurance. You can either spend your time contacting agents trying to get quotes or use the internet to find the lowest rates.
There is a right way and a wrong way to find insurance online so you're going to learn the quickest way to get price quotes for your Hyundai and find the lowest possible price.
It's important to take a look at other company's rates periodically since prices fluctuate regularly. Even if you got the lowest quotes on Hyundai Tucson insurance in Denver six months ago there is a good chance you can find better rates now. There are a lot of ways to save on Tucson insurance on the internet, but by reading this article, you're going to learn some proven techniques to quit paying high insurance rates in Denver.
Our objective in writing this article is to familiarize you with how to get online quotes. If you're already insured, you will definitely be able to find better prices using this strategy. Shoppers only need to know the most efficient way to buy auto insurance from multiple carriers.
Best Hyundai Tucson insurance rates in Colorado
The companies shown below offer comparison quotes in Denver, CO. If multiple companies are listed, we recommend you get rates from several of them to find the cheapest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tucson GLS 2WD||$226||$440||$368||$22||$110||$1,166||$97|
|Tucson GLS 4WD||$260||$440||$368||$22||$110||$1,200||$100|
|Tucson Limited 2WD||$236||$464||$338||$20||$100||$1,158||$97|
|Tucson Limited 4WD||$236||$464||$338||$20||$100||$1,158||$97|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in specific zip code location which can increase or decrease prices significantly.
Hyundai Tucson full coverage rates compared to liability only
The information below examines Hyundai Tucson insurance costs when comparing full coverage to state minimum liability only. The data assumes no claims, a clean driving record, $1,000 deductibles, single male driver, and no additional discounts are factored in.
When to drop comprehensive and collision coverage
There is no exact rule of when to eliminate physical damage insurance, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let's pretend your Hyundai Tucson replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after you pay the deductible. If premiums are more than $400 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are a few cases where removing full coverage is not in your best interest. If you haven't satisfied your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not buy liability only.
Rate comparison of male drivers versus female drivers
The diagram below illustrates the comparison of Hyundai Tucson car insurance costs for male and female drivers. Data assumes no claims or violations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are factored in.
Auto insurance discounts are available to get cheap rates
Companies offering auto insurance don't necessarily list every discount in an easy-to-find place, so the following is a list of both well-publicized and the more hidden discounts you could be receiving when you buy Denver car insurance online.
- Student Discount for Driver Training - It's a good idea to have your young drivers enroll and complete driver's education if it's offered in school.
- Accident Forgiveness Coverage - This one isn't a discount, but companies like Allstate, State Farm and GEICO will allow you to have one accident without getting socked with a rate hike if you are claim-free prior to the accident.
- Policy Bundle Discount - When you combine your auto and homeowners insurance with one company you will save at least 10 to 15 percent or more.
- No Claim Discounts - Insureds who avoid accidents and claims are rewarded with significantly better rates on Denver car insurance quote as opposed to drivers who are more careless.
- Discount for Low Mileage - Maintaining low annual mileage can earn better premium rates on cars that stay parked.
You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.
To choose insurance companies with the best Hyundai Tucson insurance discounts in Denver in Colorado, click here to view.
Auto insurance agents can find coverage gaps
A small number of people still prefer to go talk to an agent and that is a personal choice. Good agents can point out coverage gaps and help you file claims. The biggest benefit of comparing rates online is you may find cheap rate quotes and still have an agent to talk to. Buying insurance from local insurance agencies is especially important in Denver.
To make it easy to find an agent, after completing this form (opens in new window), your information is transmitted to agents in your area who will give you quotes and help you find cheaper coverage. It's much easier because you don't need to drive around since rate quotes are delivered directly to you. If you need to compare prices from a specific company, don't hesitate to jump over to their website and fill out the quote form the provide.
Choose an insurance agent wisely
If you prefer to buy car insurance from a local Denver insurance agent, you should know the different types of agencies and how they differ in how they can insure your vehicles. Denver agents are considered either exclusive or independent (non-exclusive). Both can do a good job, but it's a good idea to understand the difference between them since it can affect buying decisions.
Independent Car Insurance Agencies or Brokers
Independent agents are not restricted to one company and that allows them to write policies through many different car insurance companies and find you cheaper rates. If premiums increase, the agent simply finds a different carrier and you won't have to switch agencies.
When comparison shopping, you should always compare quotes from several independent agencies in order to have the best price comparison. Most have the option of insuring with smaller companies which may provide better rates.
The following is a list of independent insurance agents in Denver who may provide free car insurance quotes.
- Sorhage and James Insurance
1660 S Albion St # 1005 - Denver, CO 80222 - (303) 759-4551 - View Map
- Premier Group Insurance
1777 W 38th Ave #102 - Denver, CO 80211 - (303) 477-0505 - View Map
- FUSA Insurance Agency
7900 E Union Ave #200 - Denver, CO 80237 - (303) 752-5806 - View Map
Exclusive Car Insurance Agents
Agents that elect to be exclusive work for only one company such as American Family, State Farm, and Allstate. They generally cannot provide other company's prices so they have no alternatives for high prices. Exclusive agents are usually well trained on the products they sell which helps them compete with independent agents. Consumers sometimes use the same exclusive agent mostly because of the prominent brand name rather than low rates.
Shown below is a list of exclusive insurance agencies in Denver willing to provide price quote information.
- Allstate Insurance: Eddie W. Pacheco
6200 E Yale Ave - Denver, CO 80222 - (303) 788-0777 - View Map
- Alan Deines - State Farm Insurance Agent
2120 S Ash St Unit 150 - Denver, CO 80222 - (303) 388-4400 - View Map
- Allstate Insurance: Paul Novak
3900 E Mexico Ave # 105 - Denver, CO 80210 - (303) 320-7859 - View Map
Choosing an insurance agency is decision based upon more than just a low price. Any agent in Denver should have no problem answering these questions:
- Has the agent ever had any license suspensions?
- Are they actively involved in the community?
- Will you get a loaner vehicle if you car is being repaired?
- Is the agency covered by Errors and Omissions coverage?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they feel the quoted coverages are adequate?
- Do they receive special compensation for putting your coverage with one company over another?
Drivers who switch companies do it for many reasons like being labeled a high risk driver, high rates after DUI convictions, unfair underwriting practices or poor customer service. It doesn't matter what your reason, switching companies can be easier than you think.
Cheaper Hyundai Tucson insurance in Denver is definitely available on the web and with local Denver insurance agents, and you should be comparing both to have the best rate selection. A few companies do not offer online price quotes and most of the time these smaller companies provide coverage only through independent insurance agents.
You just learned some good ideas how you can compare Hyundai Tucson insurance auto insurance rates in Denver. The key concept to understand is the more providers you compare, the better likelihood of getting affordable Hyundai Tucson insurance quotes. Consumers could even find that the lowest auto insurance rates come from the smaller companies.