How to Save on Hyundai Santa Fe Insurance in Seattle

Insurance for Hyundai Santa FeAre 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.

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:

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.

Hyundai Santa Fe Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $190 $472 $334 $20 $100 $1,116 $93
Santa Fe GLS 4WD $110 $206 $282 $16 $84 $698 $58
Santa Fe SE 2WD $196 $376 $334 $20 $100 $1,026 $86
Santa Fe Limited 2WD $136 $322 $384 $22 $114 $978 $82
Santa Fe SE 4WD $138 $328 $356 $22 $106 $950 $79
Santa Fe Limited 4WD $318 $664 $398 $24 $120 $1,524 $127
Get Your Own Custom Quote Go

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.

Hyundai Santa Fe insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $222 $458 $294 $18 $88 $1,105 $92
Santa Fe GLS 4WD $254 $458 $294 $18 $88 $1,137 $95
Santa Fe SE 2WD $254 $458 $294 $18 $88 $1,137 $95
Santa Fe Limited 2WD $254 $540 $294 $18 $88 $1,219 $102
Santa Fe SE 4WD $254 $540 $294 $18 $88 $1,219 $102
Santa Fe Limited 4WD $286 $540 $294 $18 $88 $1,251 $104
Get Your Own Custom Quote Go

Hyundai Santa Fe insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $122 $242 $294 $18 $88 $764 $64
Santa Fe GLS 4WD $140 $242 $294 $18 $88 $782 $65
Santa Fe SE 2WD $140 $242 $294 $18 $88 $782 $65
Santa Fe Limited 2WD $140 $284 $294 $18 $88 $824 $69
Santa Fe SE 4WD $140 $284 $294 $18 $88 $824 $69
Santa Fe Limited 4WD $158 $284 $294 $18 $88 $842 $70
Get Your Own Custom Quote Go

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.

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.

Insurance agents in SeattleFor 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.

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.

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.

Insurance does more than just protect your car

Despite the high cost, insurance serves an important purpose.

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: