Buying the best cheap coverage for a Hyundai Santa Fe is usually pretty straightforward, but it hinges on a whole bunch of factors such as age of the vehicle, the condition of your credit, and the deductible amount you use. Drivers in California pay approximately $1,266 per year to insure their Santa Fe, but that figure is a valuation based upon a 50-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you’re not a 50-year-old female, possibly single instead of married, or maybe you live in a different area as the quoted rates. Not every driver requires the same auto insurance coverages, so the best method for finding cheap car insurance rates for your Hyundai is to do your own rate comparisons.
The specific trim level will likely have an effect on the insurance rate, so the cost to insure a Santa Fe GLS 2WD will be $176 cheaper than the insurance cost for the more expensive Santa Fe Limited 4WD model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Santa Fe GLS 2WD||$256||$570||$416||$24||$124||$1,390||$116|
|Santa Fe GLS 4WD||$292||$570||$416||$24||$124||$1,426||$119|
|Santa Fe SE 2WD||$292||$570||$416||$24||$124||$1,426||$119|
|Santa Fe Limited 2WD||$292||$672||$416||$24||$124||$1,528||$127|
|Santa Fe SE 4WD||$292||$672||$416||$24||$124||$1,528||$127|
|Santa Fe Limited 4WD||$330||$672||$416||$24||$124||$1,566||$131|
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in your specific Chula Vista location which can revise coverage prices significantly.
Figuring out which companies offer the lowest-priced insurance rates for a Hyundai Santa Fe may require a little more work than just comparing rates from one or two companies.
Each insurer uses their own method to set policy rates, so let’s rank the insurance companies that tend to be cheaper in Chula Vista, CA. It’s important to know that Chula Vista insurance rates are determined by lots of factors that control the policy price. Improving your credit score, buying higher coverage limits, or getting caught speeding may cause policy rate changes that can cause some rates to be more affordable than the competition.
Best Insurance Companies for Your Hyundai
|Rank||Company||Cost Per Year|
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USAA offers some of the cheapest car insurance rates in Chula Vista at around $1,121 annually. Century National, Wawanesa, Nationwide, and CSAA also qualify as some of the cheaper Chula Vista, CA car insurance companies.
In the rate table above, if you buy coverage from Century National and switched to USAA, you might achieve savings of upwards of $57. California drivers with Wawanesa might save as much as $60 a year, and Nationwide customers might cut rates by $105 a year.
If you want to find out if you’re overpaying, click here to start your free quote or quote rates from the companies below.
Understand that those rates are averaged across all drivers and vehicles and do not factor in a vehicle location for a Hyundai Santa Fe. So the car insurance company that has the lowest price for you may not even be in the top 24 companies in the list above. That illustrates why you need to get auto insurance quotes using your own specific driver and vehicle information.
Liability only or full coverage
Paying less for insurance is probably important to the majority of people, and one of the easiest ways to save on the cost of insurance for a Hyundai Santa Fe is to buy liability only. The information below illustrates the difference between insurance costs with full physical damage coverage compared to only buying liability only. Data assumes no violations or claims, $1,000 deductibles, single status, and no discounts are applied.
If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs $2,308 per year more than just insuring for liability. At some point, every insured wonders if it’s a good idea to buy full coverage. There is no definitive guideline to exclude physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
Why you should shop around for Santa Fe insurance
Chula Vista, CA insurance rates are determined by lots of factors that can increase the price you pay. Improving your credit score, buying a different home, or getting a ticket for careless driving can trigger changes in premium resulting in some rates now being more affordable than others.
Not only may your situation change, but insurance companies change premium rates every year to reflect underwriting profits or losses. Unexpectedly high claims may result in rate increases, while a better claims history may cause more affordable Santa Fe insurance rates.
To illustrate this example, the bar chart below shows which company has the cheapest car insurance in Chula Vista, CA for a 45-year-old female driver with a clear driving record, no claims, and great credit. If we look at prices based on her personal risk profile, USAA may have the best car insurance rates in Chula Vista at $1,161 each year. This is $490 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remainder of the cheapest Chula Vista, CA auto insurance companies.
The next chart shows rates after we give the driver from the above example some claims, a lower credit rating, and a traffic citation. Due to the fact that every auto insurer has their own guidelines to set policy rates, getting updated rate quotes may now show a significantly different list of companies as shown below.
Grange now has the cheapest rate in Chula Vista, CA with Allstate, Progressive, Mercury, and Allied also being competitive. This example illustrates why consumers need to take the time to shop around to get the most economical auto insurance rates for a Hyundai Santa Fe.
Car insurance prices consist of many things and can change substantially, so the most economical company the last time you shopped around may now be one of the higher cost companies.
How to find low-cost insurance for a Hyundai Santa Fe
Below you’ll find some money-saving ideas that can help California drivers buy cheaper coverage.
- Buy a safer vehicle
- Multi-policy discounts save money
- Accidents can significantly increase rates
- Frequent claims will increase rates
- Don’t waste money on full coverage for older vehicles
- Tickets and violations raise rates
- Shop around once a year for cheaper rates
That last idea is incredibly crucial, as we noted in this piece. Auto insurance prices in Chula Vista vary greatly, so drivers shouldn’t be reluctant to switch companies if you can save money.
Staying with the same company for years is fine, but is isn’t recommended if that devotion results in you overpaying a small fortune. Now is a great time to compare rates and find cheaper auto insurance for a Hyundai Santa Fe.
The agents listed below can aid you in deciding which coverages are best, as some people prefer to have the advice of a professional agent when buying car insurance for a Santa Fe. It’s not always easy to do it yourself, so getting advice from a licensed agent can bring satisfaction knowing you have sufficient coverage for your assets.
To find an agent close to you, click the button following the list.
American Tri-Star Insurance Services
401 H St #10 – Chula Vista, CA 91910 – (619) 827-0522
357 Broadway – Chula Vista, CA 91910 – (619) 576-3250
1680 Broadway – Chula Vista, CA 91911 – (619) 691-1071
Hugo Aguilera – State Farm Insurance Agent
629 3rd Ave L – Chula Vista, CA 91910 – (619) 420-3227
Fletes Insurance and Financial Services
2127 Olympic Pkwy #1006 – Chula Vista, CA 91915 – (619) 616-0037