Compare Hyundai Tucson Insurance Rates in Miami

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The best way we recommend to find cheaper prices for Hyundai Tucson insurance is to make a habit of comparing prices annually from companies in Miami.

  1. Take a little time to learn about the coverage provided by your policy and the changes you can make to prevent expensive coverage. Many rating criteria that result in higher rates like your driving record and a negative credit history can be rectified by making minor changes to your lifestyle.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or State Farm, while independent agents can provide price quotes from multiple sources.
  3. Compare the quotes to your current policy and see if there is a cheaper rate. If you find a better price and make a switch, make sure there is no coverage gap between policies.
  4. Provide adequate notice to your current company of your intent to cancel your current car insurance policy and submit a signed application and payment for the new policy. Be sure to keep the new proof of insurance paperwork along with the vehicle's registration papers.

A valuable tip to remember is to compare identical limits and deductibles on every quote request and and to get rates from as many companies as possible. Doing this helps ensure a fair rate comparison and the best price quote selection.

Discount Hyundai Tucson insuranceStatistics show that the vast majority of consumers have been with the same company for four years or more, and just under half have never compared rate quotes at all. Most drivers in Florida could save roughly 55% a year, but most just don't grasp the large savings they would see if they moved their coverage to a different company.

Buying affordable auto insurance in Miami can initially seem challenging. If you have auto insurance now, you will surely be able to buy cheaper auto insurance using these tips. Although Florida vehicle owners can benefit by having an understanding of how companies set your policy premium.

Most companies make it easy to get prices on the web. Doing online quotes for Hyundai Tucson insurance in Miami is pretty painless as you simply type in the coverages you want into a form. When the form is submitted, the system automatically orders credit information and your driving record and returns a price based on these and other factors. Using the web to get rate quotes for Hyundai Tucson insurance in Miami streamlines rate comparisons, and it is imperative to get many rate quotes in order to get a better rate.

To compare rates using this form now, consider comparing rates from the companies shown below. If you have coverage now, it's recommended you replicate your coverages as shown on your current policy. Using the same limits helps guarantee you will receive a fair comparison for exact coverage.

The car insurance companies shown below have been selected to offer free rate quotes in Florida. In order to find cheap car insurance in Florida, it's highly recommended you compare several of them to get a more complete price comparison.

Statistics and details

The coverage table below outlines detailed analysis of insurance premium costs for Hyundai Tucson models. Learning a little about how insurance prices are figured can help drivers make decisions when shopping your coverage around.

Hyundai Tucson Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $272 $438 $426 $26 $128 $1,290 $108
Tucson GLS 4WD $312 $438 $426 $26 $128 $1,330 $111
Tucson Limited 2WD $312 $532 $426 $26 $128 $1,424 $119
Tucson Limited 4WD $312 $532 $426 $26 $128 $1,424 $119
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices significantly.

Physical damage deductibles: Should you raise them?

One frequently asked question is how high or low should comp and collision deductibles be. The following tables sum up the difference in cost when you select higher and lower insurance deductibles. The first pricing table uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Hyundai Tucson insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $312 $532 $418 $24 $124 $1,435 $120
Tucson GLS 4WD $358 $532 $418 $24 $124 $1,481 $123
Tucson Limited 2WD $358 $648 $418 $24 $124 $1,597 $133
Tucson Limited 4WD $358 $648 $418 $24 $124 $1,597 $133
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Hyundai Tucson insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $228 $360 $418 $24 $124 $1,154 $96
Tucson GLS 4WD $262 $360 $418 $24 $124 $1,188 $99
Tucson Limited 2WD $262 $438 $418 $24 $124 $1,266 $106
Tucson Limited 4WD $262 $438 $418 $24 $124 $1,266 $106
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can impact price quotes substantially.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $25 more each month or $300 a year averaged for all Tucson models than opting for the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 16 months between claims, you would save more money if you decide on a higher deductible.

Car insurance rates are higher with tickets and accidents

The illustration below illustrates how violations and accidents influence Hyundai Tucson insurance premiums for each age group. The premiums are based on a married male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

Premiums by gender and age

The information below illustrates the difference between Hyundai Tucson insurance prices for male and female drivers. The costs are based on a clean driving record, no claims, full physical damage coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Three reasons car insurance is important

Despite the fact that car insurance is not cheap in Miami, buying car insurance is required for several reasons.

  • Most states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage in order to license the vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If your Hyundai has a loan, it's guaranteed your bank will stipulate that you carry insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may insure your Hyundai at an extremely high rate and force you to pay for it.
  • Car insurance preserves both your assets and your Hyundai Tucson. It will also reimburse you for medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay attorney fees if you are sued as the result of an accident. If you have damage to your Hyundai as the result of the weather or an accident, your policy will pay to have it repaired.

The benefits of insuring your car outweigh the cost, especially when you need to use it. According to a 2015 survey, the average American driver is wasting up to $825 a year so compare rate quotes each time the policy renews to ensure rates are competitive.

Car insurance coverages for a Hyundai Tucson

Understanding the coverages of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Collision - This will pay to fix damage to your Tucson caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a mailbox, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible on your Tucson to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, damage from flooding and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance - This will cover damage that occurs to people or other property. This insurance protects YOU against other people's claims, and doesn't cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 10/20/10 which means $10,000 bodily injury coverage, a total of $20,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.

Liability coverage pays for things like structural damage, emergency aid, funeral expenses, repair bills for other people's vehicles and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it's cheap coverage so purchase higher limits if possible. Florida state minimum liability requirements are 10/20/10 but drivers should carry higher limits.

The chart below demonstrates why buying low liability limits may not be high enough to adequately cover claims.

Uninsured Motorist or Underinsured Motorist insurance - This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle's damage.

Due to the fact that many Florida drivers have only the minimum liability required by law (10/20/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like rehabilitation expenses, nursing services, ambulance fees, funeral costs and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Car insurance savings summarized

Budget-conscious Hyundai Tucson insurance is attainable from both online companies in addition to many Miami insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies may not have online price quotes and most of the time these small, regional companies only sell through independent insurance agencies.

In this article, we presented a lot of information how to lower your Hyundai Tucson insurance premium rates in Miami. The most important thing to understand is the more you quote Miami auto insurance, the better likelihood of getting affordable Hyundai Tucson insurance quotes. You may even discover the biggest savings come from a lesser-known regional company. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as GEICO and State Farm.

As you go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. There are too many instances where someone dropped full coverage only to find out that the savings was not a smart move. Your goal is to buy the best coverage you can find at the best price but still have enough coverage for asset protection.

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