Auto Insurance Rates for a Hyundai Tucson in Pittsburgh

To 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.

• Save money with good credit – Your credit history is a large factor in calculating your car insurance rates. Therefore, if your credit is not that good, you could potentially save money when insuring your Hyundai Tucson by repairing your credit. Drivers with excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit.
• Premiums and your address – Choosing to live in a rural area may provide you with better prices when trying to find low car insurance rates. Fewer people corresponds to lower accident rates as well as less vandalism and auto theft. Urban drivers have more aggressive driving styles and longer commute times. Spending more time driving means more chance of being in an accident.
• Liability is important – The liability coverage on your policy will afford coverage in the event that you are responsible for damages caused by your negligence. Your liability coverage provides for a legal defense to defend your case. This coverage is relatively inexpensive as compared to coverage for physical damage, so buy as much as you can afford.

• Gender impacts prices – Statistics have proven that females tend to be a little less risky than males. That doesn’t necessarily mean that males are worse at driving than females. Women and men are in fender benders at a similar rate, but men get into accidents with more damage. They also receive more costly citations like reckless driving and DUI. Male teenagers are the most expensive to insure and therefore pay the highest rates.

  The diagram below illustrates the comparison of Hyundai Tucson car insurance rates for male and female drivers. The data assumes no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

• See if your company offers a multi-policy discount – Most insurers allow lower prices to insureds that buy multiple policies. It’s known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to comparison shop to ensure the best deal. Consumers may find better rates even if you insure with multiple companies

• Driver age impacts rates – Older people are viewed as being more responsible, file fewer claims, and receive fewer citations. Young drivers tend to be more careless with other occupants in the car so they pay higher car insurance rates.

  The following chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

• Better prices for continuous car insurance coverage – Allowing your coverage to lapse will be a sure-fire way to bump up your car insurance costs. And not only will insurance be more expensive, getting caught without coverage can result in fines or a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with the Pennsylvania DMV.
• Alarms and GPS tracking systems cut prices – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent vehicle theft.

• Hyundai Tucson insurance loss statistics – Insurance companies factor in historical loss data to calculate a price that will offset any claims. Vehicles that historically have higher claim frequency or loss amount will cost more for specific coverages.

  The data below shows the historical insurance loss data for Hyundai Tucson vehicles. For each policy coverage, the claim probability for all vehicles as a whole equals 100. Numbers under 100 imply a favorable loss record, while percentage numbers above 100 indicate higher probability of having a loss or statistically larger claims.

  
  

  Insurance Loss Ratings for Hyundai Tucson Vehicles

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Hyundai Tucson 4dr 2WD	80	96	66	108	110	101
  Hyundai Tucson 4dr 4WD	82	102	70	109	109	109

  BETTER

  AVERAGE

  WORSE

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

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.

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.

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.

• E-sign – A few companies may give you up to $50 shop Pittsburgh car insurance digitally online.
• Theft Deterrent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.
• Payment Method – By paying your entire bill at once as opposed to paying monthly you may have a lower total premium amount.
• 55 and Retired – Drivers that qualify as senior citizens may qualify for a discount up to 10%.
• Passive Restraint Discount – Options like air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
• Anti-lock Brakes – Cars that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
• Driver Safety – Taking a class that teaches safe driver techniques could earn you a small percentage discount and easily recoup the cost of the course.
• No Claims – Insureds with no claims or accidents get the best car insurance rates as opposed to policyholders that have many claims.
• Multi-car Discount – Having several vehicles on one policy may reduce the rate for each vehicle.
• Military Deployment Discount – Having a family member in the military may qualify for rate reductions.

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

• What is Full Coverage? (Allstate)
• Who Has Cheap Pittsburgh Auto Insurance Quotes for Electric Cars? (FAQ)
• How Much are Auto Insurance Quotes for Government Employees in Pittsburgh? (FAQ)
• Who Has Cheap Pittsburgh Car Insurance for Low Credit Scores? (FAQ)
• Who Has Cheap Auto Insurance for Retired Military in Pittsburgh? (FAQ)
• What is Covered by GAP Insurance? (Allstate)
• Medical Payments Coverage (Liberty Mutual)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)