Save on Hyundai Tucson Insurance in Henderson

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It's shocking but the vast majority of auto insurance customers have stayed with the same insurance company for over three years, and practically 40% of auto insurance customers have never shopped around. Nevada drivers could save approximately 35% a year by just shopping around, but they just don't understand the big savings they would realize if they switched to a cheaper policy.

Insurance quote for Hyundai Tucson in HendersonTruthfully, the best way to get low-cost auto insurance rates is to compare prices regularly from insurers in Henderson. You can shop around by following these guidelines.

  1. Take a few minutes and learn about auto insurance and the things you can change to drop your rates. Many risk factors that result in higher rates such as getting speeding tickets and a lousy credit rating can be eliminated by making minor changes to your lifestyle. This article provides information to prevent expensive rate increases and find hidden discounts.
  2. Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Allstate, while agents who are independent can provide price quotes from multiple sources.
  3. Compare the new rate quotes to your existing policy and see if you can save money. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Give notification to your current company of your decision to cancel the current policy and submit a down payment and signed policy application to your new carrier. Immediately safely store the certificate verifying coverage with the vehicle registration.

The most important part of this process is to try to use the same coverage limits and deductibles on each price quote and and to get rate quotes from as many auto insurance providers as possible. Doing this enables a level playing field and the best price selection.

Finding and buying the most affordable coverage in Henderson is easy if you know what you're doing. Essentially everyone who is looking for cheaper auto insurance most likely will be able to find better rates. Although Nevada drivers can benefit by having an understanding of the way companies market insurance on the web and apply this information to your search.

The Hyundai Tucson Insurance Cost Equation

Smart consumers have a good feel for some of the factors that come into play when calculating your premiums. If you have a feel for what determines base rates, this enables informed choices that could result in big savings.

Prevent your car from being stolen - Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft and help lower rates.

Multiple policies with one company - Lots of car insurance companies provide better rates to customers who buy several policies from them. It's known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even with this discount, you may still want to comparison shop to make sure you are getting the best deal.There is a chance you can save even more by buying from different companies

More performance means higher costs - The performance of the car you are buying insurance for makes a big difference in your premium level. The lowest rates tend to be for small economy passenger vehicles, but the cost you end up paying is determined by many additional factors.

The next chart uses these assumptions: married female driver age 20, full coverage with $500 deductibles, and no discounts or violations. It shows Hyundai Tucson car insurance rates compared to other vehicles that have a range of performance risks.

Location can modify price - Choosing to live in less populated areas of the country has it's advantages when buying car insurance. People in densely populated areas have more aggressive driving styles and longer commutes to work. Fewer drivers and short commutes means a lower chance of having an accident in addition to lower liability claims.

Hyundai Tucson claim probability - Insurers analyze claim trends for every vehicle to help determine prices. Vehicles that have higher loss trends will have higher premium rates. The table shown below demonstrates the historical insurance loss data for Hyundai Tucson vehicles.

For each insurance policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is equal to 100. Values that are 100 or less indicate a favorable loss history, while values over 100 indicate more frequent claims or an increased chance of a larger loss.

Hyundai Tucson Insurance Claim Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Hyundai Tucson 4dr 2WD 80 96 66 108 110 101
Hyundai Tucson 4dr 4WD 82 102 70 109 109 109
BETTER
AVERAGE
WORSE

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance statistics for a Hyundai Tucson

The table displayed next highlights different policy rates for Hyundai Tucson models. Understanding how insurance policy premiums are established helps drivers make informed decisions when comparing rate quotes.

Hyundai Tucson Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $178 $340 $348 $20 $104 $990 $83
Tucson GLS 4WD $204 $340 $348 $20 $104 $1,016 $85
Tucson Limited 2WD $204 $414 $348 $20 $104 $1,090 $91
Tucson Limited 4WD $204 $414 $348 $20 $104 $1,090 $91
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in specific garaging location which can affect premium rates substantially.

Higher deductibles save money

One of the most common insurance questions is at what level do you set your deductibles. The rates below lay out the rate difference between high and low physical damage coverage deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Hyundai Tucson insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $208 $330 $308 $18 $92 $981 $82
Tucson GLS 4WD $238 $330 $308 $18 $92 $1,011 $84
Tucson Limited 2WD $238 $402 $308 $18 $92 $1,083 $90
Tucson Limited 4WD $238 $402 $308 $18 $92 $1,083 $90
Get Your Own Custom Quote Go
Hyundai Tucson insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $128 $208 $308 $18 $92 $754 $63
Tucson GLS 4WD $148 $208 $308 $18 $92 $774 $65
Tucson Limited 2WD $148 $252 $308 $18 $92 $818 $68
Tucson Limited 4WD $148 $252 $308 $18 $92 $818 $68
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Information does not factor in vehicle garaging location which can influence premium rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $21 more each month or $252 a year across all Hyundai Tucson models than opting for the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 36 months between claims, you would more than likely save some money by going with a higher deductible.

Rate comparison of men versus women

The information below shows the difference between Hyundai Tucson car insurance costs for male and female drivers. The data assumes no claims or violations, full physical damage coverage, $100 deductibles, single status, and no additional discounts are factored in.

Difference between liability only and full coverage rates

The illustration below illustrates the comparison of Hyundai Tucson yearly insurance costs with and without physical damage coverage. Data assumes no claims, a clean driving record, $500 deductibles, single status, and no discounts are taken into consideration.

Are you wasting money paying for full coverage?

There isn't a steadfast formula to eliminate physical damage coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's assume your Hyundai Tucson claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying your deductible. If premiums are more than $500 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some situations where dropping full coverage is not recommended. If you haven't satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Do you qualify for discounts on Hyundai Tucson insurance in Henderson?

Companies that sell car insurance don't list every discount in a way that's easy to find, so here is a list some of the more common and also the lesser-known ways to save on car insurance. If you aren't receiving every discount available, you are just wasting money.Cheaper car insurance with discounts

  • Sign Early and Save - A few larger companies allow discounts for switching companies prior to the expiration date on your current Tucson insurance policy. You can save around 10% with this discount.
  • Low Mileage - Keeping the miles down on your Hyundai could qualify for lower car insurance rates due to less chance of an accident.
  • Sign Online - Many companies will give a small break just for signing your application on the internet.
  • Bundled Policy Discount - If you can combine your auto and home policy with one insurance company you could save nearly 15% which can help you find affordable Hyundai Tucson insurance rates in Henderson.
  • Government Employee Discount - Having worked for a branch of the government can save as much as 8% but check with your company.
  • Defensive Driving Course - Taking a course teaching driver safety skills could cut 5% off your bill and make you a better driver.
  • Early Payment Discounts - If you can afford to pay the entire bill instead of monthly or quarterly installments you could save up to 5%.
  • Driver Education Discount - Have your child complete a driver education course in school or through a local driver safety program.
  • 55 and Retired - Older drivers may receive a small decrease in premiums.

Just know that most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, nobody gets a free ride.

The chart below compares Hyundai Tucson insurance rates with and without discounts applied to the rates. The rate quotes are based on a female driver, no accidents, no driving violations, Nevada state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, homeowner, multi-policy, and multi-car discounts applied.

Insurance companies that may include most of the discounts above include:

When comparing rates, check with all the companies which credits you are entitled to. Some credits might not be offered in Henderson. To see a list of insurers that can offer you the previously mentioned discounts in Henderson, click here to view.

Best auto insurance company in Nevada

Choosing a good quality car insurance provider is difficult considering how many choices drivers have in Nevada. The rank data in the lists below may help you pick which companies you want to consider shopping your coverage with.

Top 10 Henderson Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. Travelers - A++
  3. GEICO - A++
  4. State Farm - A++
  5. The Hartford - A+
  6. Esurance - A+
  7. Nationwide - A+
  8. Allstate - A+
  9. Mercury Insurance - A+
  10. Titan Insurance - A+

Top 10 Henderson Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Mercury Insurance
  9. Nationwide
  10. Safeco

In the end, you can save money

Consumers change insurance companies for any number of reasons including questionable increases in premium, not issuing a premium refund, extreme rates for teen drivers or being labeled a high risk driver. Regardless of your reason for switching companies, switching companies is actually quite simple.

Budget-friendly auto insurance in Henderson can be found both online as well as from independent agents in Henderson, so get free Henderson car insurance quotes from both of them to have the best selection. A few companies do not provide online quoting and most of the time these smaller companies only sell coverage through independent agencies.

Throughout this article, we presented a lot of tips how to compare Hyundai Tucson insurance car insurance rates in Henderson. The most important thing to understand is the more companies you get premium rates for, the higher your chance of finding affordable Hyundai Tucson insurance quotes. You may even find the lowest car insurance rates are with the least-expected company.

Additional information is located at the links below