Auto Insurance Rates for a Hyundai Tucson in Pittsburgh

Insurance for Hyundai TucsonTo save the most money, the best way to find cheaper quotes for Hyundai Tucson insurance is to start comparing prices regularly from providers in Pittsburgh. This can be done by following these steps.

Step 1: It will benefit you to learn about how your policy works and the things you can change to drop your rates. Many rating factors that result in higher prices such as multiple speeding tickets and poor credit history can be improved by paying attention to minor details.

Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive or Allstate, while independent agents can quote prices from multiple companies.

Step 3: Compare the quotes to your current policy premium and see if there is a cheaper rate in Pittsburgh. If you can save money and switch companies, ensure coverage does not lapse between policies.

The key aspect of shopping around is to use identical deductibles and limits on each price quote and and to get rates from as many auto insurance providers as possible. This helps ensure an accurate price comparison and the best price selection.

It’s a fact that insurance companies don’t want you comparing rates. Drivers who get price quotes annually will most likely buy a new policy because there is a high probability of finding more affordable rates. Surprisingly, a recent survey revealed that consumers who compared rate quotes regularly saved on average $3,500 over four years compared to policyholders who never shopped around.

If finding low prices for Hyundai Tucson insurance is your intention, then learning a little about how to quote and compare insurance rates can make it easier to shop your coverage around.

This information will familiarize you with how car insurance works and how you can save the most money. If you are already insured, you will most likely be able to reduce premiums using this strategy. Vehicle owners just have to learn the most efficient way to compare insurance rates from many different companies.

Insurance Rate Influencing Factors

It’s important that you understand some of the things that help determine the level of your policy premiums. If you know what determines premiums, this allows you to make good choices that can help you get big savings. Many different elements are used in the calculation when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but other factors are not quite as obvious like where you live or how safe your car is.

The items below are a partial list of the pieces that factor into your prices.

Statistics and details

The table displayed next highlights a range of coverage costs for Hyundai Tucson models. Learning as much as possible about how car insurance prices are formulated is important for making decisions when shopping your coverage around.

Hyundai Tucson Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $154 $278 $346 $20 $104 $902 $75
Tucson GLS 4WD $178 $278 $346 $20 $104 $926 $77
Tucson Limited 2WD $178 $338 $346 $20 $104 $986 $82
Tucson Limited 4WD $178 $338 $346 $20 $104 $986 $82
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific Pittsburgh garaging location which can change insurance rates considerably.

Choosing deductibles

When buying insurance, a common question is where should you set your physical damage deductibles. The rates below can help show the rate differences when you choose different insurance deductibles. The first rate table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.

Hyundai Tucson insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $222 $352 $330 $20 $98 $1,047 $87
Tucson GLS 4WD $254 $352 $330 $20 $98 $1,079 $90
Tucson Limited 2WD $254 $428 $330 $20 $98 $1,155 $96
Tucson Limited 4WD $254 $428 $330 $20 $98 $1,155 $96
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Hyundai Tucson insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $180 $284 $330 $20 $98 $912 $76
Tucson GLS 4WD $206 $284 $330 $20 $98 $938 $78
Tucson Limited 2WD $206 $346 $330 $20 $98 $1,000 $83
Tucson Limited 4WD $206 $346 $330 $20 $98 $1,000 $83
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Table data does not factor in specific location information which can impact coverage prices greatly.

Based on this data, using a $250 deductible costs about $12 more each month or $144 a year than buying the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 21 months between claims, you would come out ahead by selecting a higher deductible.

The chart below illustrates how choosing a deductible and can influence Hyundai Tucson insurance premiums for different ages of insureds. The prices are based on a single male driver, full physical damage coverage, and no policy discounts are applied.

Hyundai Tucson liability-only versus full coverage

The information below shows the comparison of Hyundai Tucson annual premium costs with full physical damage coverage compared to only buying liability only. The data is based on a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are factored in.

Should you buy full coverage or liability only?

There is no definitive formula for dropping full coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Hyundai Tucson replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after the policy deductible has been paid. If you are paying in excess of $800 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some circumstances where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Car insurance discounts help lower rates for Hyundai Tucson insurance in Pittsburgh

Companies don’t always advertise every policy discount very clearly, so the following is a list of some of the more common as well as the least known car insurance savings.Car insurance discounts

A quick disclaimer, many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, car insurance companies aren’t that generous. But all discounts will positively reduce the amount you have to pay.

The example below compares Hyundai Tucson insurance prices with and without policy discounts. The costs are based on a female driver, no violations or claims, Pennsylvania state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, safe-driver, multi-policy, and marriage discounts applied.

To locate companies that offer many of these discounts in Pittsburgh, click this link.

Frequent quotes can save

Consumers change insurance companies for any number of reasons including high prices, policy cancellation, poor customer service or lack of trust in their agent. Regardless of your reason, finding a great new company is actually quite simple.

You just read some good ideas how you can compare Hyundai Tucson insurance prices in Pittsburgh. The most important thing to understand is the more times you quote, the better likelihood of getting affordable Pittsburgh car insurance quotes. You may even find the best prices are with some of the lesser-known companies.

When you buy Pittsburgh car insurance online, do not skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed physical damage coverage only to regret that it was a big mistake. Your goal is to find the BEST coverage at the best price but still have enough coverage for asset protection.

More information is available at the links below