It's a fact that insurance companies don't want you comparing rates. Consumers who get comparison quotes at least once a year are likely to buy a different policy because of the good chance of finding a lower rate. A recent car insurance study discovered that consumers who routinely shopped for cheaper coverage saved about $860 a year as compared to drivers who never compared rates.
If finding discount rates on Hyundai Tucson insurance is why you're here, then understanding the best ways to find and compare insurance coverage can help you succeed in finding affordable rates.
To save the most money, the best way to find low-cost Hyundai Tucson insurance in Boston is to make a habit of regularly comparing prices from providers in Massachusetts. Rates can be compared by completing these steps.
First, read about car insurance and the things you can control to keep rates low. Many rating criteria that cause high rates such as multiple speeding tickets and a bad credit rating can be improved by making minor changes to your lifestyle. This article provides ideas to help keep rates affordable and find additional discounts you may qualify for.
Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Allstate, while independent agents can provide prices from multiple sources.
Third, compare the new quotes to the price on your current policy to see if cheaper Tucson coverage is available. If you find better rates, ensure there is no coverage lapse between policies.
Fourth, notify your agent or company of your decision to cancel your existing policy. Submit any necessary down payment along with the completed application for the new coverage. Once received, keep your new certificate verifying coverage in an easily accessible location.
One piece of advice is that you'll want to compare identical deductibles and limits on each price quote and and to get price estimates from as many different companies as possible. Doing this ensures the most accurate price comparison and the best price selection.
The most recommended method to compare rates for Hyundai Tucson insurance in Boston is to know the trick most insurance companies participate in a system to quote your coverage. To begin a comparison, all you need to do is provide a small amount of information including how much you drive, if you're married, if you require a SR-22, and if you went to college. That rating information is instantly provided to multiple companies and they return quotes very quickly.
To compare rates for your Hyundai Tucson now, click here and find out if you can get cheaper insurance in Boston.
The companies shown below can provide quotes in Massachusetts. In order to find cheaper car insurance in Boston, we suggest you get rates from several of them to get a more complete price comparison.
Lower rates by qualifying for these seven discounts
Car insurance is not cheap nor is it fun to buy but you can get discounts that you may not even be aware of. Certain reductions will be credited at quote time, but less common discounts must be requested specifically before they will apply.
- Driver Training Discounts - Taking part in a course teaching defensive driver skills is a good idea and can lower rates depending on where you live.
- Telematics Data - Insureds that choose to allow their insurance company to look at driving habits remotely such as State Farm's In-Drive could possibly reduce rates if they have good driving habits.
- Memberships - Being in qualifying employment or professional organizations is a good way to get lower rates on car insurance.
- Responsible Driver Discounts - Drivers without accidents may save up to 50% more than less cautious drivers.
- Sign Early and Save - Some insurance companies provide a discount for buying a policy early. You may see this discount when you get Boston auto insurance quotes online.
- 55 and Retired - Older drivers can possibly qualify for a small decrease in premiums.
- Own a Home - Owning a home in Boston can save a few bucks because of the fact that having a home means you have a higher level of financial diligence.
As is typical with insurance, some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, you're out of luck.
The diagram below illustrates the comparison of Hyundai Tucson insurance premiums with and without discounts applied to the premium. The prices are based on a male driver, no claims or violations, Massachusetts state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, safe-driver, multi-car, and claim-free discounts applied.
Companies and their offered discounts are shown below.
- Farm Bureau discounts include multi-policy, driver training, multi-vehicle, 55 and retired, good student, and youthful driver.
- MetLife may offer discounts for multi-policy, claim-free, good driver, defensive driver, good student, and accident-free.
- Progressive offers discounts including online quote discount, continuous coverage, multi-policy, homeowner, good student, and online signing.
- AAA offers discounts for anti-theft, good driver, education and occupation, AAA membership discount, multi-policy, and multi-car.
- American Family has savings for Steer into Savings, accident-free, early bird, multi-vehicle, TimeAway discount, and mySafetyValet.
- GEICO may have discounts that include military active duty, membership and employees, driver training, seat belt use, anti-lock brakes, anti-theft, and daytime running lights.
- State Farm offers premium reductions for anti-theft, safe vehicle, good driver, multiple policy, Steer Clear safe driver discount, and passive restraint.
Check with each company how many discounts you can get. Some discounts listed above may not apply to policies in your state.
Hyundai Tucson detailed coverage information
The coverage information shown next outlines a range of prices for Hyundai Tucson models. Understanding how rate quotes are calculated can be valuable when making smart choices when selecting a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tucson GLS 2WD||$134||$254||$434||$26||$130||$978||$82|
|Tucson GLS 4WD||$154||$254||$434||$26||$130||$998||$83|
|Tucson Limited 2WD||$154||$310||$434||$26||$130||$1,054||$88|
|Tucson Limited 4WD||$154||$310||$434||$26||$130||$1,054||$88|
|Get Your Own Custom Quote Go|
Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium costs do not factor in vehicle location which can change rates noticeably.
Local insurance agents
Some consumers still like to buy from a licensed agent and that is a personal choice. The biggest benefit of comparing insurance prices online is you may find cheap auto insurance quotes and also buy local.
After completing this short form, the quote information is emailed to participating agents in Boston that give free quotes for your auto insurance coverage. It's much easier because you don't need to contact an agency as quotes are delivered to you instantly. It's the lowest rates without having to waste a lot of time. If you need to get a rate quote from one company in particular, you just need to search and find their rate quote page and complete a quote there.
Choosing an company needs to be determined by more than just the price. Any agent in Boston should be willing to answer these questions.
- Will high miles depreciate repair valuations?
- Who are their largest clients?
- Which insurance companies are they affiliated with?
- How often do they review policy coverages?
- Do they have a Better Business Bureau rating in Boston?
- If your car is totaled, how to they determine the replacement cost?
- Can they help ensure a fair claim settlement?
When finding a reputable agency, there are two different types of agencies and how they are slightly different. Insurance agencies in Boston are classified as either exclusive agents or independent agents.
Exclusive Auto Insurance Agencies
These agents normally can only provide a single company's rates such as Farmers Insurance, Allstate, or State Farm. These agents are unable to give you multiple price quotes so if the price isn't competitive there isn't much they can do. Exclusive agents are highly trained on the products they sell which helps offset the inability to provide other markets.
The following is a short list of exclusive insurance agents in Boston that are able to give price quotes.
Independent Auto Insurance Agents
Agents that elect to be independent are not employed by one company and that allows them to write policies through lots of different companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and you don't have to do anything.
When searching for an agent, you will definitely want to get rate quotes from a couple of independent agencies to have the best price comparison.
Shown below is a list of independent agencies in Boston who can help you get comparison quotes.
After receiving reasonable responses to any questions you may have and an acceptable price quote, you've probably found an insurance agent that is a good match to properly insure your vehicles. But remember, consumers can terminate coverage for any reason so don't think that you are obligated to any particular company for the entire policy term.
When do I need an agent's advice?
Always remember that when buying your policy, there really is no perfect coverage plan. You are unique and your policy should reflect that. These are some specific questions can help discover whether or not you would benefit from professional advice.
- Do I need to call my car insurance company before buying a new car?
- How can I get high-risk coverage after a DUI?
- What is an adequate liability insurance limit?
- Is motorclub coverage worth it?
- Does having multiple vehicles earn me a discount?
- Do I need replacement cost coverage on my Hyundai Tucson?
- Does rental coverage apply when I am renting a car?
If you can't answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier
Boston car insurance companies
Ending up with the right company can be rather challenging considering how many choices there are in Boston. The company information shown below could help you pick which auto insurance companies you want to consider when shopping your coverage around.
Top 10 Boston Car Insurance Companies Ranked by Claims Service
- Liberty Mutual
- State Farm
- Titan Insurance
- The General
- 21st Century
Top 10 Boston Car Insurance Companies Ranked by Value
- The General
- The Hartford
- Farmers Insurance
- Titan Insurance
- Mercury Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
Car insurance coverages and their meanings
Having a good grasp of your car insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from car insurance companies.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don't have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Hyundai Tucson.
Since a lot of drivers only purchase the least amount of liability that is required (20/40/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as hitting a deer, hail damage, damage from flooding and hitting a bird. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.
Collision coverage pays for damage to your Tucson resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like sideswiping another vehicle, damaging your car on a curb, hitting a mailbox, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible on your Tucson to bring the cost down.
Auto liability insurance
Liability coverage will cover damage that occurs to other's property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 20/40/5 which means a $20,000 limit per person for injuries, a per accident bodily injury limit of $40,000, and a total limit of $5,000 for damage to vehicles and property.
Liability insurance covers claims like bail bonds, emergency aid, medical services, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford. Massachusetts requires minimum liability limits of 20/40/5 but you should consider buying more liability than the minimum.
The illustration below shows why the minimum limit may not be high enough to cover claims.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like funeral costs, prosthetic devices and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage
Quote more and you will save more
You just read many tips how you can save on Hyundai Tucson insurance in Boston. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with the least-expected company. These companies may only write in your state and offer lower rates as compared to the big name companies such as GEICO and State Farm.
More affordable insurance in Boston can be purchased online and with local Boston insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers may not offer online price quotes and most of the time these small insurance companies provide coverage only through local independent agencies.
Even more information can be found at these sites:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- How Much are Auto Insurance Rates for a Toyota Tacoma in Boston? (FAQ)
- Who Has the Cheapest Auto Insurance for a Hyundai Sonata in Boston? (FAQ)
- Who Has the Cheapest Boston Auto Insurance Quotes for a Ford Fusion? (FAQ)
- Who Has the Cheapest Boston Car Insurance Rates for a Learners Permit? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- Auto Insurance 101 (About.com)