Wish you could get a refund on an under-performing, overpriced car insurance policy? You’re preaching to the choir because many San Antonio drivers have buyer’s remorse.
It’s safe to conclude that car insurance companies want to keep you from shopping around. Consumers who do rate comparisons will, in all likelihood, buy a different policy because there are good odds of finding better rates. Remarkably, a study showed that drivers who compared price quotes annually saved about $860 a year compared to people who never compared rates.
If finding the lowest price on Hyundai Tucson insurance is your ultimate goal, then understanding how to shop and compare auto insurance can help make the process easier.
Vehicle owners have multiple insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to compare rates for Hyundai Tucson insurance in San Antonio.
It’s important to do price comparisons quite often since prices are rarely the same from one policy term to another. If you had the lowest rate on Hyundai Tucson insurance in San Antonio two years ago you can probably find a better premium rate now. Block out anything you think you know about car insurance because I’m going to teach you the right way to save on car insurance.
Cheaper Hyundai Tucson insurance in San Antonio
Auto insurance companies don’t always publicize all their discounts in an easy-to-find place, so we break down some of the more common as well as some of the hidden credits that you can use to lower your rates.
- Include Life Insurance and Save – Some companies give a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
- Bundle and Save – When you have multiple policies with the same insurance company you could earn a discount of 10% to 20% off each policy.
- Discount for Swiching Early – Some larger companies provide a discount for switching policies before your current coverage expires. This discount can save up to 10%.
- Fewer Miles Equal More Savings – Keeping the miles down on your Hyundai could qualify for substantially lower rates.
- E-sign Discounts – Certain companies may give you up to $50 for buying your policy on the web.
- Home Ownership Discount – Being a homeowner can get you a discount because owning a home requires personal responsibility.
- Senior Citizens – Mature drivers may be able to get a small discount on rates.
A quick disclaimer, some of the credits will not apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Even though it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.
The illustration below illustrates the difference between Hyundai Tucson insurance costs with and without discounts applied to the rates. The premiums assume a male driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, marriage, claim-free, and multi-policy discounts applied.
To see a list of insurance companies who offer free Hyundai Tucson insurance quotes in Texas, click here.
When shopping for inexpensive San Antonio auto insurance quotes, there are a couple of ways of comparing price quotes from all the different companies. The quickest method to find the lowest Hyundai Tucson rates consists of obtaining rate quotes online.
Doing price comparisons online is so simple that it takes the place of having to spend your day driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you prefer the professional advice only provided by licensed San Antonio agents. Although you can get the lowest quotes online but buy the policy through an agent.
Just remember that having more price comparisons helps you find a lower rate than you’re paying now. Some regional insurers cannot provide San Antonio Tucson insurance quotes online, so it’s important to also get quotes on coverage from those companies, too.
The companies shown below are ready to provide comparison quotes in San Antonio, TX. If multiple providers are shown, we recommend you visit several of them to get the most competitive price.
Analysis of coverages
The premium information displayed next showcases a range of insurance premium costs for Hyundai Tucson models. Knowing how insurance policy premiums are determined can be valuable when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tucson GLS 2WD | $284 | $502 | $514 | $30 | $154 | $1,484 | $124 |
| Tucson GLS 4WD | $326 | $502 | $514 | $30 | $154 | $1,526 | $127 |
| Tucson Limited 2WD | $326 | $610 | $514 | $30 | $154 | $1,634 | $136 |
| Tucson Limited 4WD | $326 | $610 | $514 | $30 | $154 | $1,634 | $136 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in garaging location in San Antonio which can decrease or increase prices substantially.
The information below shows how choosing a deductible and can change Hyundai Tucson yearly insurance costs for different ages of insureds. Data assumes a married male driver, full coverage, and no other discounts are factored in.
Rate comparison of men versus women in San Antonio
The diagram below illustrates the difference between Hyundai Tucson insurance prices for male and female drivers. The price estimates are based on no claims, a clean driving record, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are applied.
Rate comparison of full coverage and liability-only
The information below shows the comparison of Hyundai Tucson car insurance costs when comparing full coverage to liability only. The rates are based on no claims or violations, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Deciding between full coverage and liability only
There is no written rule of when to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Hyundai Tucson replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after paying your deductible. If you are paying over $800 annually to have full coverage, then you may need to consider dropping full coverage.
There are some conditions where buying only liability insurance is not recommended. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Independent and exclusive auto insurance agents
A small number of people prefer to sit down with an agent and there is nothing wrong with that. The biggest benefit of getting online price quotes is the fact that drivers can get cheaper auto insurance rates and still have an agent to talk to.
After filling out this short form, your coverage information is emailed to insurance agents in San Antonio who will return price quotes for your insurance coverage. You don’t have to search for an agent since price quotes are sent to you. You can find lower rates AND a local agent. If you wish to quote rates from a particular provider, just find their quoting web page and give them your coverage information.
Selecting an insurer needs to be determined by more than just a cheap quote. Agents should be asked these questions:
- Do they specialize in personal lines coverage in San Antonio?
- What are the financial ratings for the companies they represent?
- How much will you save each year by using a higher deductible?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agency have a positive business rating?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which family members are covered?
- What company holds the largest book of business for them?
Is an exclusive or independent car insurance agent right for you?
If you’re trying to find a reliable agent, it’s helpful to know the types of insurance agents from which to choose. Car insurance agents can be classified as either independent or exclusive depending on the company they work for.
Exclusive Agencies
These agents can only provide one company’s prices and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive agencies are usually well trained on their products and sales techniques which can be an advantage.
The following are San Antonio exclusive agencies willing to provide price quote information.
Mike Smith – State Farm Insurance Agent
14802 Jones Maltsberger Rd #201 – San Antonio, TX 78247 – (210) 251-3657 – View Map
Tim McBroom – State Farm Insurance Agent
8802 Marbach Rd #100 – San Antonio, TX 78227 – (210) 673-3401 – View Map
Trent Rosenkranz – State Farm Insurance Agent
1840 S General McMullen Dr #109 – San Antonio, TX 78226 – (210) 433-9000 – View Map
Independent Car Insurance Agencies
These type of agents are not employed by any specific company so they have the ability to put coverage with a variety of different insurance companies and find you cheaper rates. If you are not satisfied with one company, the agent simply finds a different carrier and you stay with the same agent. If you need cheaper car insurance rates, you will definitely want to compare prices from several independent agencies to ensure the widest selection of prices.
Listed below are San Antonio independent agencies willing to provide rate quotes.
Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 – San Antonio, TX 78240 – (210) 696-1133 – View Map
Affordable Health Insurance Agency, LLC
7330 San Pedro Ave #150 – San Antonio, TX 78216 – (210) 738-3537 – View Map
Legion Insurance Agency
5309 Wurzbach Rd – San Antonio, TX 78230 – (210) 693-1501 – View Map
After talking to the agent and getting positive feedback to any questions you may have as well as a price you’re happy with, you may have found an auto insurance agent that is reputable and can adequately provide car insurance.
A conclusion for your auto insurance search
Some auto insurance companies do not offer online price quotes and these regional insurance providers prefer to sell through independent agencies. Budget-conscious Hyundai Tucson insurance is available both online in addition to many San Antonio insurance agents, and you should compare rates from both in order to have the best chance of saving money.
As you shop your coverage around, do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice physical damage coverage to discover at claim time that the savings was not a smart move. The aim is to buy enough coverage at an affordable rate.
We just covered many tips how you can reduce Hyundai Tucson insurance car insurance rates online in San Antonio. It’s most important to understand that the more providers you compare, the better likelihood of getting cheaper San Antonio auto insurance quotes. You may even find the most savings is with the smaller companies. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.
For more information, feel free to browse the resources below:
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- How Much are Car Insurance Rates for Drivers Under 25 in San Antonio? (FAQ)
- Who Has the Cheapest Car Insurance for College Students in San Antonio? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers Over Age 60 in San Antonio? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Female in San Antonio? (FAQ)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Insurance Losses by Make and Model (iihs.org)
- Learn About Car Insurance (GEICO)