Best Ways to Save on Boston Hyundai Santa Fe Insurance

Insurance quote for Hyundai Santa Fe in BostonWant to save money and find cheaper Hyundai Santa Fe insurance in Boston? There isn’t a single person who enjoys paying for car insurance, particularly when it costs too dang much.

Surprisingly, a recent survey revealed that the vast majority of Massachusetts car insurance customers kept their policy with the same company for four years or more, and roughly 40% of drivers have never even compared rates from other companies. American insurance shoppers could pocket roughly $860 a year just by shopping around, but they just assume it takes a lot of time to find lower-cost rates by getting comparison quotes.

Steps to saving on Hyundai Santa Fe insurance in Boston

It takes a few minutes, but the best way to get low-cost car insurance rates in Boston is to start comparing prices regularly from insurers in Massachusetts. Rates can be compared by following these guidelines.

The key thing to know about shopping around is that you’ll want to compare the same coverage limits and deductibles on every quote request and and to get rate quotes from as many different insurance providers as possible. This provides a fair rate comparison and a complete rate analysis.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm increase brand awareness with catchy ads and it is difficult to ignore the flashy ads and take the time to shop coverage around.

If you have insurance now or just want cheaper rates, you can use these techniques to save money without reducing protection. Buying the cheapest car insurance in Boston is not that difficult as long as you know where to start. Comparison shoppers just have to understand the quickest method to compare rates online from multiple companies.

Finding a lower price on Hyundai Santa Fe insurance can be relatively painless. You just have to take a couple of minutes comparing free Boston auto insurance quotes to find the company with affordable Boston auto insurance quotes.

Getting free rates online is quite simple, and it makes it a waste of time to drive around to different Boston agent offices. Quoting Hyundai Santa Fe insurance online eliminates this option unless you require the guidance of a local Boston agent. Although you can compare the best prices online but purchase the actual policy in an agency.

The auto insurance companies shown below are our best choices to provide quotes in Massachusetts. If you want to find cheap auto insurance in Boston, MA, it’s a good idea that you visit several of them in order to find the most competitive rates.

Why do I need car insurance?

Despite the high cost of buying insurance for a Hyundai Santa Fe in Boston, insurance is required in Massachusetts but it also protects you in many ways.

The benefits of buying car insurance more than offset the price you pay, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays more than $700 annually so it’s very important to do a rate comparison every year to help ensure money is not being wasted.

Hyundai Santa Fe insurance charts and tables

The data table shown next covers different insurance coverage prices for Hyundai Santa Fe models. Learning how policy rates are calculated can be useful when making informed decisions.

Hyundai Santa Fe Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $256 $436 $438 $26 $132 $1,288 $107
Santa Fe GLS 4WD $294 $436 $438 $26 $132 $1,326 $111
Santa Fe SE 2WD $294 $436 $438 $26 $132 $1,326 $111
Santa Fe Limited 2WD $294 $512 $438 $26 $132 $1,402 $117
Santa Fe SE 4WD $294 $512 $438 $26 $132 $1,402 $117
Santa Fe Limited 4WD $332 $512 $438 $26 $132 $1,440 $120
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in specific location which can change insurance rates greatly.

Should you raise deductibles?

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The following insurance rates determine the rate differences when you select higher and lower physical damage deductibles. The first set of rates uses a $250 deductible and the second data table uses a $500 deductible.

Hyundai Santa Fe insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $224 $436 $334 $20 $100 $1,139 $95
Santa Fe GLS 4WD $258 $436 $334 $20 $100 $1,173 $98
Santa Fe SE 2WD $258 $436 $334 $20 $100 $1,173 $98
Santa Fe Limited 2WD $258 $512 $334 $20 $100 $1,249 $104
Santa Fe SE 4WD $258 $512 $334 $20 $100 $1,249 $104
Santa Fe Limited 4WD $292 $512 $334 $20 $100 $1,283 $107
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Hyundai Santa Fe insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $182 $350 $334 $20 $100 $986 $82
Santa Fe GLS 4WD $210 $350 $334 $20 $100 $1,014 $85
Santa Fe SE 2WD $210 $350 $334 $20 $100 $1,014 $85
Santa Fe Limited 2WD $210 $414 $334 $20 $100 $1,078 $90
Santa Fe SE 4WD $210 $414 $334 $20 $100 $1,078 $90
Santa Fe Limited 4WD $236 $414 $334 $20 $100 $1,104 $92
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in specific location which can raise or lower auto insurance rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $14 more each month or $168 each year averaged for all Santa Fe models than opting for the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at least 18 months between claims, you would come out ahead if you elect the higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $250 deductibles: $101
Average monthly premium for $500 deductibles (subtract): – $87
Monthly savings from raising deductible: $14
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

An important thing to remember is that increasing deductibles to lower your rates means you pay more out-of-pocket when you have a comprehensive or collision claim. You will want to have enough money put aside in the event you need to pay the deductible for vehicle repair.

The diagram below shows how choosing a deductible and can increase or decrease Hyundai Santa Fe insurance rates for different age groups. Data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Car insurance policy discounts for Hyundai Santa Fe insurance in Boston

Some insurers don’t always list every discount in a way that’s easy to find, so we researched a few of the more common and also the more inconspicuous discounts you could be receiving when you buy Boston auto insurance online.Cheaper car insurance with discounts

As a disclaimer on discounts, some of the credits will not apply to the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.

The illustration below visualizes the comparison of Hyundai Santa Fe premium costs with and without discounts applied to the policy premium. The prices are based on a male driver, no claims or driving violations, Massachusetts state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, multi-car, claim-free, and safe-driver discounts applied.

Some companies that possibly offer some of the above discounts possibly include:

If you need inexpensive Boston auto insurance quotes, ask every insurance company the best way to save money. Some of the earlier mentioned discounts might not be offered on policies in Boston. If you would like to see a list of insurance companies who offer online Hyundai Santa Fe insurance quotes in Boston, click here.

It’s not one size fits all

When it comes to your policy for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different.Auto insurance savings

Here are some questions about coverages that might point out whether you could use an agent’s help.

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Massachusetts car insurance company ratings

Finding a good quality car insurance company is difficult considering how many choices you have in Massachusetts. The ranking information shown below could help you decide which car insurance companies to look at buying from.

Top 10 Boston Car Insurance Companies Overall

  1. The General
  2. Mercury Insurance
  3. Titan Insurance
  4. The Hartford
  5. Progressive
  6. Travelers
  7. State Farm
  8. Farmers Insurance
  9. Safeco Insurance
  10. USAA