How to Save on Hyundai Santa Fe Insurance in Seattle

Are you looking for low-cost car insurance rates in Seattle, WA? Seattle shoppers have options when shopping for low-cost Hyundai Santa Fe insurance. They can either spend hours driving around to get rate comparisons or leverage the internet to get rate quotes.

There are more efficient ways to find car insurance online and we’ll show you the absolute fastest way to get price quotes for a Hyundai and get the lowest price from both online companies and Seattle agents.

If you are insured now or are looking for a new policy, you can use these tips to get lower rates and possibly find even better coverage. This information will help educate you on the best methods to compare rates and also save some money in the process Smart shoppers just have to learn the tricks to shop for auto insurance instantly.

Earn discounts on Seattle auto insurance

Buying auto insurance is not cheap, but there could be available discounts to cut the cost considerably. Many of these discounts will be applied automatically at the time of purchase, but occasionally some discounts must be specially asked for before you will receive the discount. If you check and find you aren’t receiving every discount available, you could be getting lower rates.

• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and earn discounts up to 10% off your Seattle car insurance quote.
• Multi-policy Discount – If you insure your home and vehicles with one insurance company you may earn at least 10% off all policies.
• Accident Forgiveness Coverage – Not necessarily a discount, but certain companies allow you one accident before raising your premiums if your claims history is clear before the accident.
• Homeowners Savings – Simply owning a home can help you save on auto insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
• 55 and Retired – Mature drivers may be able to get a small discount on rates.
• Military Rewards – Having a deployed family member could qualify you for better rates.
• Early Signing – Select larger companies give a discount for renewing your policy prior to your current Santa Fe insurance policy expiration. It can save you around 10%.
• Distant Student Discount – Older children living away from Seattle attending college and don’t have a car could qualify for this discount.
• Multiple Cars – Buying insurance for multiple cars or trucks with the same auto insurance company qualifies for this discount.
• Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save up to 15% off PIP or medical payments premium.

Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky.

Some of the insurance companies that have these discounts include:

• Progressive
• AAA
• Farmers Insurance
• GEICO
• Esurance
• SAFECO
• State Farm

When getting a coverage quote, ask every company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply in Seattle. To locate auto insurance companies with discount rates in Washington, click here.

The providers in the list below have been selected to offer price quotes in Washington. If multiple companies are shown, we suggest you click on several of them to get the cheapest price.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in zip code location which can affect auto insurance rates substantially.

Choosing deductibles

When shopping for car insurance, a common question is the level to set your comp and collision deductibles. The figures shown below outline the differences in price between low and high deductibles. The first table uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in garaging location in Seattle which can raise or lower coverage prices significantly.

Based on this data, using a $100 deductible will cost you about $31 more each month or $372 each year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 29 months between claims, you would probably come out ahead going with the higher deductible.

How do Insurers Determine Hyundai Santa Fe Insurance Costs?

Many things are part of the calculation when premium rates are determined. Some are pretty understandable such as your driving record, but other factors are less obvious like your continuous coverage or your financial responsibility. One of the most helpful ways to save on car insurance is to to have a grasp of the factors that go into determining the rates you pay for car insurance. If you know what positively or negatively impacts your premiums, this allows you to make good choices that can earn you lower rates.

• Teenage drivers pay high prices – Teenage drivers in Washington are proven to be less responsible when driving with friends so car insurance rates are higher. More mature drivers are shown to be more cautious, cause fewer claims and accidents, and are safer drivers.
• Affects performance affects auto insurance prices – The type of car, truck or SUV you own makes a substantial difference in your auto insurance rates. The most favorable rates are usually for economy passenger models, but there are many factors that impact the final cost. Due to the fact that the Hyundai Santa Fe falls in the standard SUV class, insuring your vehicle will cost slightly more than the average rate where you live in Seattle.
• Drive less and pay lower prices – The more miles you rack up on your Hyundai annually the higher your rate. Most insurance companies rate vehicles partially by how you use the vehicle. Cars and trucks that sit idle most of the time can be on a lower rate level than cars that get driven a lot. Improper usage on your Santa Fe may be costing you higher rates. It’s a smart idea to ensure your car insurance coverage correctly shows the right rating data.
• Reduce car insurance rates by staying claim free – Insurance companies in Washington give discounts to policyholders who file claims infrequently. If you’re an insured who likes to file claims you can definitely plan on higher rates. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
• Avoid traffic tickets – Having a clean driving record impacts your car insurance rates tremendously. Just one chargeable violation could increase your next policy renewal twenty percent or more. Drivers who don’t get tickets pay less for auto insurance than people who have multiple driving citations. Drivers unfortunate enough to have severe violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state in order to drive a vehicle legally.
• Does your job raise your premiums? – Occupations like military generals, airline pilots, and stock brokers generally have higher rates than the rest of us in part from stressful work requirements and extremely grueling work hours. On the flip side, jobs such as farmers, engineers and homemakers pay lower than average rates.
• Your liability coverage limits – The liability section of your policy is the coverage that protects you when you are found to be at fault for causing damage or personal injury in an accident. This coverage provides for a legal defense to defend your case. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should carry high limits.
• A good credit rating can save money – Having a bad credit history is a large factor in determining what you pay for car insurance. People that have excellent credit scores tend to be more responsible and file fewer claims than drivers who have bad credit. If your credit history can be improved, you may save money insuring your Hyundai Santa Fe if you clean up your credit.
• Insurance loss probability for a Hyundai Santa Fe – Companies use past loss statistics for each vehicle to help determine prices. Vehicles that have increased losses will have a higher cost to insure.

  The table below demonstrates the historical loss data for Hyundai Santa Fe vehicles. For each insurance policy coverage type, the claim probability for all vehicles averaged together is a value of 100. Values that are 100 or less mean the vehicle has better than average losses, while numbers that are greater than 100 point to more losses or a tendency for losses to be larger than average.

  Hyundai Santa Fe Insurance Loss Statistics

  Specific Hyundai 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

  Statistics from IIHS.org for 2013-2015 Model Years

Auto insurance is available from your local insurance agencies

A lot of people prefer to sit down and talk to an agent and that is not a bad decision Insurance agents are highly skilled in risk management and help submit paperwork. The best thing about comparing rate quotes online is you may find lower premium rates and still have a local agent. And buying from local agents is important particularly in Seattle.

For easy comparison, once you complete this form (opens in new window), the coverage information is submitted to local insurance agents who want to provide quotes for your coverage. You never need to visit any agencies due to the fact that quote results will go straight to your inbox. If you want to compare rates from a particular provider, don’t hesitate to go to their quote page to submit a rate quote request.

If you prefer to buy auto insurance from a local Seattle insurance agency, it’s important to understand the different types of agents and how they differ in how they can insure your vehicles. Agencies in Seattle are classified as either exclusive or independent (non-exclusive). Both types can sell affordable auto insurance policies, but it is a good idea to know the differences because it can impact the kind of agent you use.

Independent Insurance Agents

Agents that choose to be independent do not write with just one company so they can insure your vehicles through many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage without you having to go to a different agency.

When comparing auto insurance rates, you need to get several quotes from independent agents to maximize your price options. Most also have access to small regional insurance companies that may have much lower rates than larger companies.

The following is a list of independent insurance agents in Seattle who can help you get pricing information.

• Cairns Insurance Agency
  13751 Lake City Way NE #214 – Seattle, WA 98125 – (206) 368-8117 – View Map
• Seattle Insurance
  2414 SW Andover St – Seattle, WA 98106 – (206) 937-4613 – View Map
• C. Don Filer Agency
  4201 Roosevelt Way NE #200 – Seattle, WA 98105 – (800) 701-5909 – View Map

View more agents

Exclusive Auto Insurance Agents

Agents of this type can only quote rates from one company like State Farm, AAA, and Liberty Mutual. These agents are not able to provide prices from multiple companies so you might not find the best rates. Exclusive agents are trained well on their company’s products and that can be a competitive advantage. Some people will only purchase coverage from exclusives primarily because of loyalty to the company and the convenience of having all coverages with one company.

Shown below is a short list of exclusive insurance agencies in Seattle that can give you price quote information.

• Greg Nunn – State Farm Insurance Agent
  200 Roy St #102 – Seattle, WA 98109 – (206) 284-9700 – View Map
• Charles Cohen – State Farm Insurance Agent
  9750 Greenwood Ave N #104 – Seattle, WA 98103 – (206) 784-5151 – View Map
• Raymond Insurance-Pemco and Progressive
  6011 California Ave SW – Seattle, WA 98136 – (206) 933-8812 – View Map

View more agents

Choosing the best auto insurance agent needs to be determined by more than just the price. Here are some questions you should ask.

• Which companies can they place coverage with?
• Is working in the agency their full-time job?
• What are their preferred companies if they are an independent agency?
• Will you work with the agent or an assistant?
• What company holds the largest book of business for them?
• Does the agent recommend any additional coverage?
• Does the agency provide any after hours assistance?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

Insurance does more than just protect your car

Despite the high cost, insurance serves an important purpose.

• The majority of states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability insurance in order to drive the car legally. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a lien on your Hyundai, it’s most likely the lender will require that you carry insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank will be required to insure your Hyundai for a lot more money and force you to reimburse them a much higher amount than you were paying before.
• Insurance preserves both your assets and your vehicle. Insurance will pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay attorney fees if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will pay to repair the damage.

The benefits of buying insurance more than offset the price you pay, particularly for liability claims. According to a 2015 survey, the average American driver is currently overpaying as much as $750 every year so it’s important to compare rates each time the policy renews to be sure current rates are still competitive.

What is YOUR best insurance company?

Consumers leave their current company for many reasons like questionable increases in premium, policy cancellation, not issuing a premium refund and even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company can be pretty painless.

Budget-friendly auto insurance in Seattle can be sourced from both online companies as well as from insurance agents, so you need to quote Seattle car insurance with both to have the best selection. There are still a few companies who may not have the ability to get a quote online and many times these smaller providers work with local independent agencies.

We covered many ideas to lower your Hyundai Santa Fe insurance rates in Seattle. The key thing to remember is the more providers you compare, the better chance you’ll have of finding affordable Hyundai Santa Fe insurance quotes. Consumers may even find the lowest rates are with a small mutual company.

For more information, take a look at the resources below:

• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• What Insurance is Cheapest for Government Employees in Seattle? (FAQ)
• How Much are Seattle Auto Insurance Rates for Good Students? (FAQ)
• How Much are Seattle Car Insurance Rates for 19 Year Olds? (FAQ)
• How Much is Car Insurance for First-time Drivers in Seattle? (FAQ)
• Who Has Affordable Auto Insurance Rates for Business Use in Seattle? (FAQ)
• What Auto Insurance is Cheapest in Seattle, Washington? (FAQ)
• Distracted Driving (Insurance Information Institute)
• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)