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.

Insurance rates Hyundai Tucson in HoustonUnimaginable 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.

Hyundai Tucson Insurance Costs in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $220 $404 $358 $22 $108 $1,112 $93
Tucson GLS 4WD $314 $550 $496 $30 $148 $1,538 $128
Tucson Limited 2WD $156 $306 $400 $24 $120 $1,006 $84
Tucson Limited 4WD $282 $580 $430 $26 $128 $1,446 $121
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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.

Hyundai Tucson insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $256 $408 $382 $22 $114 $1,207 $101
Tucson GLS 4WD $294 $408 $382 $22 $114 $1,245 $104
Tucson Limited 2WD $294 $496 $382 $22 $114 $1,333 $111
Tucson Limited 4WD $294 $496 $382 $22 $114 $1,333 $111
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Hyundai Tucson insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $158 $256 $382 $22 $114 $932 $78
Tucson GLS 4WD $182 $256 $382 $22 $114 $956 $80
Tucson Limited 2WD $182 $312 $382 $22 $114 $1,012 $84
Tucson Limited 4WD $182 $312 $382 $22 $114 $1,012 $84
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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.

Average monthly premium for $250 deductibles: $107
Average monthly premium for $1,000 deductibles (subtract): – $82
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

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.Auto insurance discounts

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.

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.

Find insurance agent in HoustonTo 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.

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.

8475 Hwy 6 N Ste BHouston, TX 77095(281) 550-2886View Map

6489 Wilcrest DrHouston, TX 77072(281) 498-1010View Map

12941 North Fwy #608Houston, TX 77060(281) 537-7890View Map

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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.

6918 Corporate DrHouston, TX 77036(713) 771-6000View Map

11200 Westheimer Rd #850Houston, TX 77042(713) 850-1660View Map

#100, 3120 SW Freeway Service RdHouston, TX 77098(713) 520-1090View Map

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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.

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