Compare Hyundai Tucson Insurance Rate Quotes in Houston

Overpriced Hyundai Tucson insurance in Houston can bottom out your budget and possibly require you to analyze your spending habits. Comparing rate quotes can save money and help to make ends meet.

Unimaginable but true, a large majority of insurance policyholders in Texas have purchased from the same company for a minimum of four years, and roughly 40% of drivers have never compared rates from other carriers. The average driver in America could save approximately 46.5% each year by just comparing rate quotes, but they don’t want to spend time to find cheap insurance rates.

Lots of insurers contend for your business, and it can be difficult to compare rates to get the best price available on Hyundai Tucson insurance in Houston.

If you are insured now, you will definitely be able to get lower rates using the tips covered below. Choosing the most cost-effective auto insurance policy in Houston is really quite easy. But Texas vehicle owners must comprehend the methods companies use to price insurance differently because it can help you find the best coverage.

Car insurance providers offering low-cost rates in Texas

The companies shown below are our best choices to provide price comparisons in Texas. If more than one company is shown, we recommend you click on several of them in order to find the most affordable rates.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in your specific Houston location which can raise or lower premiums greatly.

Physical damage deductibles: Should you raise them?

The information below illustrates how choosing a deductible and can increase or decrease Hyundai Tucson insurance prices for different insured age categories. The data assumes a single female driver, full physical damage coverage, and no discounts are factored in.

Deductible comparison

The hardest decision when buying coverage is what deductibles to buy. The following insurance rates summarize how much more rates are when you select higher and lower physical damage deductibles. The first set of prices uses a $250 deductible and the second price chart uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in vehicle location which can raise or lower rates greatly.

Using the data above, we can ascertain that using a $250 deductible costs roughly $25 more each month or $300 a year than choosing the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 30 months between claim filings, you would come out ahead if you elect the higher deductible. Here is a better example of how we made this calculation.

One thing to be aware of is that raising deductibles means you pay more out-of-pocket when you have to file a claim. You will want to have some extra funds in order to pay the higher deductible in order to repair your vehicle.

Full coverage versus liability-only in Houston

The chart below examines Hyundai Tucson car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The data is based on no accidents or driving violations, $100 deductibles, single male driver, and no discounts are applied to the premium.

When to drop full coverage

There is no definitive rule for phasing out full coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Hyundai Tucson replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are currently paying more than $400 a year to have full coverage, then you may need to consider dropping full coverage.

There are some conditions where dropping full coverage is not in your best interest. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage.

Don’t overlook these Hyundai Tucson insurance discounts

Companies don’t always publicize every policy discount very clearly, so we researched both the well known and the harder-to-find discounts that you may qualify for.

• Discount for Life Insurance – Select auto insurance companies reward you with a discount if you purchase life insurance from them.
• Distant Student – Kids who live away from home at college and do not take a car to college could get you a discount.
• Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.
• Good Students Pay Less – Being a good student may save you up to 25%. The good student discount can last up until you turn 25.
• Drive Less and Save – Driving less could earn cheaper auto insurance rates.
• Federal Government Employee – Federal government employees could provide a small rate reduction with select insurance companies.
• Theft Prevention System – Vehicles optioned with advanced anti-theft systems help deter theft and will qualify for a discount on a Houston car insurance quote.

Policy discounts save money, but most credits do not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. Just because it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

To find auto insurance companies that offer multiple discounts in Texas, click this link.

Houston Insurance Rates are Influenced by These Factors

Consumers need to have an understanding of the rating factors that aid in calculating your policy premiums. If you have some idea of what determines base rates, this enables you to make decisions that could result in big savings.

The items below are some of the most common factors used by companies to determine premiums.

• Cars with good safety ratings means better premiums – Cars with high safety ratings cost less to insure. These vehicles result in less severe injuries and lower rates of occupant injuries means less money paid by your insurance company which can mean better rates for you.
• Prevent theft and save – Driving a car with advanced anti-theft systems can earn a premium discount. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping vehicle theft.
• More performance means higher prices – The performance level of the car, truck or SUV you need to insure makes a substantial difference in your rates. Due to the fact that the Hyundai Tucson is considered a standard SUV, insuring your vehicle will cost slightly more than the average rate where you live in Houston. The lowest performance passenger cars usually have the lowest rates, but the cost you end up paying is determined by many additional factors.
• Traffic violations hurt – Your driving citation history has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance compared to bad drivers. Even one moving violation can bump up the cost to the point where it’s not affordable. Drivers who get careless violations like DUI or reckless driving are required to maintain a SR-22 with their state DMV in order to legally drive a vehicle.
• Car insurance policy lapses increase premiums – Driving with no insurance is a big no-no and you will pay a penalty because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, getting caught without coverage may earn you a hefty fine and possibly a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with the Texas motor vehicle department to get your license reinstated.
• Which gender costs less? – Statistics show that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. Females and males have accidents in similar percentages, but the male of the species tend to have more serious accidents. Not only are claims higher, but men have more aggressive citations like DUI and reckless driving.
• Loss statistics for a Hyundai Tucson – Car insurance companies take into consideration historical loss data for every vehicle to help determine rates. Vehicles that historically have high amounts or severity of claims will have increased rates.

  The table below demonstrates the loss history for Hyundai Tucson vehicles. For each policy coverage, the statistical loss for all vehicles as a whole is equal to 100. Values below 100 suggest a positive loss record, while numbers shown that are more than 100 indicate more frequent claims or an increased likelihood of larger losses.

  Hyundai Tucson Insurance Loss Statistics

  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

  Statistics from IIHS.org for 2013-2015 Model Years

Compare prices but buy from a local Houston insurance agent

Many people prefer to get advice from a local agent and that can be a great decision The best thing about comparing insurance online is the fact that you can find the lowest rates and still have an agent to talk to.

To help locate an agent, after submitting this short form, your insurance coverage information is immediately sent to participating agents in Houston who can give free rate quotes for your coverage. You never need to contact any agents because prices are sent immediately to your email address. It’s the lowest rates and a licensed agent to work with. If you wish to compare rates from a particular provider, you just need to find their quoting web page and complete a quote there.

Finding the right provider requires you to look at more than just a low price. Before buying a policy in Houston, get answers to these questions.

• Do they specialize in personal lines auto insurance in Houston?
• Do they offer claims assistance after hours?
• Is there a local claims center in Houston?
• Can you choose the body shop in case repairs are needed?
• How are claims handled?
• Will the quote change when the policy is issued?
• Do they offer rental car reimbursement?
• Do they get paid more for recommending certain coverages?

If you need to find a local Houston insurance agent, it’s important to understand the different agency structures and how they can service your needs differently. Agents can be categorized as either independent (non-exclusive) or exclusive.

Exclusive Agents

These agents can only provide pricing for a single company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to compare rates from other companies so it’s a take it or leave it situation. Exclusive insurance agents receive extensive training on sales techniques and that can be a competitive advantage.

Listed below are Houston exclusive insurance agents willing to provide comparison quotes.

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Independent Insurance Agencies

These agents do not sell for just one brand so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. If they quote lower rates, your agent can switch companies and you stay with the same agent.

When comparing rates, it’s a good idea to include price quotes from several independent agencies in order to have the best price comparison.

Below are independent insurance agents in Houston willing to provide comparison quotes.

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Insurance advertising gotchas

Big name companies like GEICO, State Farm and Progressive seem to constantly run television, radio, and online ads. All the companies seem to make the promise about saving some big amount if you just switch your insurance policy to them. That’s great but how can every company give you a lower rate on Hyundai Tucson insurance in Houston? This is how they do it.

Most companies have strict underwriting profiles for the type of customer that earns them the highest profit. For example, a profitable insured could be over the age of 35, insures multiple vehicles, and has a high credit rating. A customer that hits that “sweet spot” may get the lowest premium rates in Houston and therefore will save quite a bit of money when switching.

People who may not quite match this stringent profile will be charged a more expensive rate which translates to business going elsewhere. Company advertisements say “people that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can truthfully make claims that they all have the best rates. Different companies use different criteria so you really need to compare free Houston car insurance quotes often. Because you never know which insurance companies will provide you with the cheapest Hyundai Tucson insurance in Houston.

Cover all your bases

Budget-conscious Hyundai Tucson insurance can be found from both online companies and with local Houston insurance agents, and you need to price shop both to get a complete price analysis. A few companies don’t offer online quoting and usually these smaller providers work with local independent agencies.

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an insured dropped uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

More detailed auto insurance information can be found in the articles below:

• Driving in Bad Weather (Insurance Information Institute)
• What if I Can’t Find Coverage? (Insurance Information Institute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Credit Impacts Car Insurance Rates (State Farm)