Affordable Insurance for a Hyundai Santa Fe in Los Angeles

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How many times have you told yourself it's time to shop around for more competitive Hyundai Santa Fe insurance in Los Angeles? Comparison shopping for low cost Hyundai Santa Fe insurance in Los Angeles could be quite difficult for drivers who are beginners to shopping for insurance online. Consumers have so many options available that it can turn into hard work to find better prices on Hyundai Santa Fe insurance.

Insurance rates Hyundai Santa Fe in Los AngelesIt's safe to conclude that insurance companies want to keep you from shopping around. People who get comparison quotes at least once a year are inclined to buy a new policy because of the good chance of finding a cheaper policy. A recent survey revealed that people who made a habit of comparing rate quotes saved $3,500 over four years as compared to drivers who don't regularly compare prices.

If saving the most money on Hyundai Santa Fe insurance is your objective, then knowing the best ways to find and compare coverage rates can make it easier to find better rates.

If you have coverage now, you will surely be able to find the best rates using these tips. This article will introduce you to how to get online quotes and some tips to save money. Although California drivers should learn the way insurance companies price insurance differently because rates are impacted by many factors.

Companies offering Hyundai Santa Fe insurance in Los Angeles

The companies in the list below offer free quotes in California. If multiple providers are shown, we recommend you visit two to three different companies to find the most competitive car insurance rates.

Facts and figures for Hyundai Santa Fe insurance

The coverage information shown next outlines estimates of coverage prices for Hyundai Santa Fe models. Having a better understanding of how insurance policy rates are formulated can benefit drivers when making decisions when shopping around.

Hyundai Santa Fe Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $242 $464 $442 $26 $132 $1,306 $109
Santa Fe GLS 4WD $278 $464 $442 $26 $132 $1,342 $112
Santa Fe SE 2WD $278 $464 $442 $26 $132 $1,342 $112
Santa Fe Limited 2WD $278 $546 $442 $26 $132 $1,424 $119
Santa Fe SE 4WD $278 $546 $442 $26 $132 $1,424 $119
Santa Fe Limited 4WD $314 $546 $442 $26 $132 $1,460 $122
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in specific location information which can influence auto insurance rates noticeably.

Where to set your deductibles

One of the hardest decisions when shopping for car insurance is where should you set your physical damage deductibles. The premium rates below may help to illustrate the cost difference when you buy lower versus higher insurance deductibles. The first set of rates uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.

Hyundai Santa Fe insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $298 $576 $442 $26 $132 $1,499 $125
Santa Fe GLS 4WD $342 $576 $442 $26 $132 $1,543 $129
Santa Fe SE 2WD $342 $576 $442 $26 $132 $1,543 $129
Santa Fe Limited 2WD $342 $678 $442 $26 $132 $1,645 $137
Santa Fe SE 4WD $342 $678 $442 $26 $132 $1,645 $137
Santa Fe Limited 4WD $386 $678 $442 $26 $132 $1,689 $141
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Hyundai Santa Fe insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $184 $362 $442 $26 $132 $1,146 $96
Santa Fe GLS 4WD $210 $362 $442 $26 $132 $1,172 $98
Santa Fe SE 2WD $210 $362 $442 $26 $132 $1,172 $98
Santa Fe Limited 2WD $210 $426 $442 $26 $132 $1,236 $103
Santa Fe SE 4WD $210 $426 $442 $26 $132 $1,236 $103
Santa Fe Limited 4WD $238 $426 $442 $26 $132 $1,264 $105
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price estimates do not factor in specific location information which can lower or raise premium rates significantly.

Using the data above, we can ascertain that using a $250 deductible costs an average of $32 more each month or $384 a year across all Hyundai Santa Fe models than quoting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 23 months between claims, you would probably save some money if you choose a higher deductible.

The example below shows how choosing a deductible and can impact Hyundai Santa Fe yearly insurance costs for different categories of driver ages. The rates are based on a single female driver, full coverage, and no discounts are factored in.

Hyundai Santa Fe insurance rates by gender

The diagram below shows the comparison of Hyundai Santa Fe insurance premiums for male and female drivers. The price estimates are based on no claims, a clean driving record, comp and collision included, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Price comparison of only insuring for liability

The information below compares Hyundai Santa Fe insurance costs when comparing full coverage to state minimum liability only. The price estimates are based on no claims or driving violations, $100 deductibles, drivers are single, and no discounts are applied.

Are you wasting money paying for full coverage?

There is no written rule of when to phase out physical damage coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let's say your Hyundai Santa Fe book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after paying your policy deductible. If it's costing you more than $500 a year for your policy with full coverage, then it might be time to buy liability only.

There are some situations where buying only liability insurance is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Get cheaper Hyundai Santa Fe insurance in Los Angeles with discounts

Some insurance providers don't always advertise every discount very clearly, so the following list contains both the well known and the more hidden ways to save on car insurance. If they aren't giving you every credit you deserve, you could be saving more on your car insurance.Save money with discounts

  • Payment Method - By making one initial payment rather than paying monthly you may have a lower total premium amount.
  • Passive Restraints - Vehicles equipped with air bags or automatic seat belts may get savings of up to 25% or more.
  • Telematics Discount - Insureds who allow driving data submission to monitor driving patterns by using a telematics device like Allstate's Drivewise could possibly reduce rates if their driving habits are good.
  • Distant Student Discount - Children living away from Los Angeles attending college and do not take a car to college can receive lower rates.
  • Multi-line Discount - Car insurance companies who offer life insurance give a break if you buy some life insurance in addition to your auto policy.
  • Braking Control Discount - Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.

Don't be shocked that some credits don't apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like it's possible to get free car insurance, company stockholders wouldn't be very happy.

The example below shows the comparison of Hyundai Santa Fe yearly insurance costs with and without discounts applied to the policy rates. The data assumes a female driver, no violations or claims, California state minimum liability limits, full 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, multi-policy, safe-driver, multi-car, marriage, and homeowner discounts applied.

To view insurers who offer online Hyundai Santa Fe insurance quotes in Los Angeles, click here to view.

Choices You Make Can Impact Your Insurance Prices

The best way to find cheaper insurance is to take a look at some of the factors that come into play when calculating your policy premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that could help you find lower insurance prices.

  • Vocation stress can make you pay more - Did you know that where you work can have an impact on rates? Occupational choices like doctors, executives, and stock brokers tend to have the highest rates because of intense work situations and long work days. Other occupations like farmers, engineers and performers have the lowest average rates.
  • Cars with good safety ratings cost less to insure - Vehicles that have high safety ratings tend to be cheaper to insure. These vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims which can mean better rates for you.
  • Alarm systems lowers rates - Choosing to buy a car with a theft deterrent system can save you a little every year. Anti-theft features like OnStar, LoJack tracking, and tamper alarms all help prevent vehicle theft.
  • Never have insurance lapses - Driving your car without having proper coverage can get your license suspended and insurance companies will penalize you for letting your insurance lapse for non-payment. Not only will you pay higher rates, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license. You may then be required to prove you have insurance by filing a SR-22 with the California motor vehicle department.
  • Small coverages can add up - There are many add-on coverages that you can get tricked into buying if you don't pay attention. Coverages for vanishing deductibles, death and dismemberment, and motor club memberships may be costing you every month. They may sound like good ideas when buying your policy, but your needs may have changed so remove them from your policy.
  • Insurance loss data for Hyundai Santa Fe vehicles - Car insurance companies analyze historical claim data to help calculate premium prices. Models that have higher loss trends will have a higher cost to insure. The table below demonstrates the compiled insurance loss statistics for Hyundai Santa Fe vehicles.

    For each type of coverage, the loss probability for all vehicles averaged together equals 100. Values that are below 100 indicate better than average losses, while values that are 100 or greater point to more claims or a tendency for losses to be larger than average.

    Hyundai Santa Fe Insurance Claim Statistics
    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

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

Local neighborhood Los Angeles car insurance agents

Some people would rather go talk to an agent and that is just fine! A nice benefit of comparing insurance prices online is the fact that you can find the lowest rates and also buy local. Buying from local agents is important particularly in Los Angeles.

Los Angeles insurance agentsTo help locate an agent, after submitting this form (opens in new window), your insurance data is immediately sent to companies in Los Angeles who will give competitive quotes and help you find cheaper coverage. It's much easier because you don't need to leave your computer since price quotes are sent straight to your inbox. Get lower rates without having to waste a lot of time. In the event you want to compare prices from a specific company, don't hesitate to jump over to their website and complete a quote there.

If you're trying to find a good insurance agency, it helps to know the two different types of agents that you can select. Agents are considered either exclusive or independent.

Independent Car Insurance Agencies or Brokers

Agents that elect to be independent often have many company appointments so they can quote policies through many companies and find the cheapest car insurance rates. If premiums increase, an independent agent can move your coverage which requires no work on your part. If you are trying to find cheaper rates, you will definitely want to check rates from independent agents to have the best price comparison. Many independent agencies also insure through lesser-known insurance companies which may provide better rates.

Shown below are Los Angeles independent agents who can help you get rate quotes.

More Los Angeles agents

Exclusive Car Insurance Agents

Agents in the exclusive channel are contracted to one company like AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot provide rate quotes from other companies so they really need to provide good service. Exclusive agents receive a lot of sales training on their company's products which aids in selling service over price. Consumers sometimes buy from exclusive agents partially due to the prominent brand name instead of buying on price only.

Listed below is a list of exclusive insurance agencies in Los Angeles who can help you get price quotes.

More Los Angeles agents

Finding the right insurance agent requires you to look at more than just a cheap price quote. Before buying a policy in Los Angeles, get answers to these questions.

  • Is the agency involved in supporting local community causes?
  • Do they regularly work with personal auto policies in Los Angeles?
  • Will you get a loaner vehicle if you car is being repaired?
  • What insurance companies do they recommend if they are an independent agent?
  • Who is covered by the car insurance policy?

More effort can pay off

When searching for affordable Los Angeles auto insurance quotes, it's a bad idea to buy less coverage just to save a little money. In many cases, consumers will sacrifice full coverage and discovered at claim time that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at the best possible price while still protecting your assets.

Insureds switch companies for many reasons like not issuing a premium refund, denial of a claim, lack of trust in their agent and even being labeled a high risk driver. It doesn't matter what your reason, choosing a new company is easier than you think.

We covered many ideas to find cheap Hyundai Santa Fe insurance in Los Angeles. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest rates are with a smaller regional carrier.

Much more information about car insurance in California can be read at the links below