Car Insurance Rates for a Hyundai Santa Fe in Santa Ana

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Hyundai Santa Fe insurance
Hyundai Santa Fe insurance image courtesy of QuoteInspector.com

Insurance quote for Hyundai Santa Fe in Santa AnaIt's safe to conclude that car insurance companies don't want you quoting rates from other companies. People who rate shop once a year will probably move their business because of the good chance of finding a more affordable policy premium. Surprisingly, a recent survey revealed that drivers who compared rates annually saved approximately $3,450 over four years compared to those who never compared other company's rates.

If finding the best price on car insurance in Santa Ana is the reason you're here, then having a grasp of how to choose a company and compare insurance premiums can make it easier to shop your coverage around.

If you want to save money, the best way to get the cheapest Hyundai Santa Fe insurance is to start doing an annual price comparison from insurance carriers who provide car insurance in Santa Ana. Rate comparisons can be done by completing these steps.

  1. Gain an understanding of how companies price auto insurance and the measures you can control to keep rates in check. Many risk factors that cause high rates like distracted driving and bad credit can be amended by paying attention to minor details. This article provides more ideas to help prevent expensive coverage and get discounts that may be overlooked.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple sources.
  3. Compare the quotes to your existing rates to see if a cheaper rate is available. If you find better rates and switch companies, ensure there is no coverage lapse between policies.

A tip to remember is to use identical coverage information on each quote request and to quote with as many different insurance providers as possible. This guarantees an apples-to-apples comparison and a complete price analysis.

It's important to know that having more price comparisons gives you a better chance of getting the best rates. Some smaller insurers do not give rate quotes online, so you should also compare price estimates from those companies as well.

The companies shown below offer free rate quotes in Santa Ana, CA. If the list has multiple companies, it's a good idea that you visit as many as you can to get the lowest price.

Insurance statistics for a Hyundai Santa Fe

The premium information displayed below showcases a range of coverage costs for Hyundai Santa Fe models. Knowing how rate quotes are calculated can help customers make smart choices when selecting a policy.

Hyundai Santa Fe Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $230 $478 $416 $24 $124 $1,272 $106
Santa Fe GLS 4WD $262 $478 $416 $24 $124 $1,304 $109
Santa Fe SE 2WD $262 $478 $416 $24 $124 $1,304 $109
Santa Fe Limited 2WD $262 $562 $416 $24 $124 $1,388 $116
Santa Fe SE 4WD $262 $562 $416 $24 $124 $1,388 $116
Santa Fe Limited 4WD $296 $562 $416 $24 $124 $1,422 $119
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price estimates do not factor in your specific Santa Ana location which can influence premium rates greatly.

Impact of citations and accidents on Santa Ana insurance rates

The diagram below shows how violations and accidents can raise Hyundai Santa Fe car insurance costs for different age groups. The data is based on a married female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

Cost of full coverage

The diagram below shows the difference between Hyundai Santa Fe car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The data assumes no claims or driving citations, $250 deductibles, single status, and no discounts are factored in.

When to drop comprehensive and collision

There is no exact rule for dropping full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let's say your Hyundai Santa Fe book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after paying your deductible. If you are currently paying more than $600 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some cases where dropping full coverage is not financially feasible. If you haven't satisfied your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Insurance is not optional

Despite the fact that insurance is not cheap in Santa Ana, insurance is a good idea for several reasons.

  • Almost all states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability protection in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your vehicle has a loan, it's most likely the lender will stipulate that you buy full coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Hyundai for a much higher rate and make you pay the higher price.
  • Insurance protects both your vehicle and your personal assets. It will also reimburse you for hospital and medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will cover the repair costs.

The benefits of buying insurance greatly outweigh the cost, particularly if you ever have a claim. The average driver in America is wasting up to $800 each year so smart consumers compare quotes at every renewal to make sure the price is not too high.

Smart Buyers Know How to Get Auto Insurance at a Discount

Many things are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like your driving record, but some are less obvious such as your credit history or your commute time. A large part of saving on auto insurance is knowing the different types of things that are used to determine your auto insurance rates. If you know what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to lower rates.

  • Vocation and insurance prices - Occupations like military personnel, social workers, and miners have higher premiums than the average policyholder in part from high stress and lengthy work days. On the flip side, careers such as scientists, students and the unemployed pay lower than average rates.

  • Teenage drivers pay high costs - Older people are shown to be more cautious, are lower risk to insure, and receive fewer citations. Youthful drivers tend to be inattentive when driving so auto insurance rates are higher.

    The chart below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Is your car built for speed? - The make and model of the car you are insuring makes a significant difference in the rate you pay. The cheapest rates will generally be found on economy passenger cars, but many other things help determine your insurance rates.

    The next chart is based on a single male driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares Hyundai Santa Fe policy rates compared to other vehicles that have a range of performance risks.

  • Remove unneeded add-on coverages - Policies have add-on coverages you can purchase when buying auto insurance. Coverages like rental car coverage, better glass coverage, and membership fees may be wasting your money. They may sound like good ideas when you first buy your policy, but if they're wasting money remove them from your policy.
  • Car insurance liability protection limits - A critical coverage on your policy, liability insurance provides coverage in the event that you are determined to be liable for personal injury or accident damage. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to comp and collision, so buy as much as you can afford.
  • You might get higher premiums if you are single - Having a significant other may save some money on your auto insurance policy. Marriage translates into being more mature and statistics show drivers who are married are more cautious.

  • Insurance loss statistics a Hyundai Santa Fe - Car insurance companies use statistical claims data to help set a rate to offset losses. Models that the data shows to have higher losses will have a higher cost to insure.

    The next table shows the historical insurance loss data for Hyundai Santa Fe vehicles. For each type of coverage, the loss probability for all vehicles, without regard to make or model, is represented as 100. Values that are under 100 suggest losses that are better than average, while numbers above 100 show a trend for more claims or a tendency for losses to be larger than average.

    Car Insurance Loss Data for Hyundai Santa Fe Models
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Hyundai Santa Fe 4dr 2WD 91 94 82 86 92 91
    Hyundai Santa Fe 4dr 4WD 109 115 97 96 84 94
    Hyundai Santa Fe Sport 4dr 2WD 88 90 93 90 89 93
    Hyundai Santa Fe Sport 4dr 4WD 95 91 110 90 96 84
    BETTER
    AVERAGE
    WORSE

    Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto insurance policy discounts for Hyundai Santa Fe insurance in Santa Ana

Some companies do not advertise all their discounts in a way that's easy to find, so the following list contains both well-publicized as well as the least known ways to save on auto insurance.Discount auto insurance

  • Drivers Education - It's a good idea to have your young drivers participate in a local driver's education class as it can save substantially.
  • Theft Deterrent Discount - Cars optioned with advanced anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Air Bag Discount - Vehicles with factory air bags may earn rate discounts of 20 to 30 percent.
  • Senior Citizen Discount - Mature drivers could receive a small discount on rates.
  • Club Memberships - Having an affiliation with a professional or civic organization may earn a discount when shopping for auto insurance.

We need to note that many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, nobody gets a free ride. But any discount should help reduce the amount you have to pay.

The chart below compares Hyundai Santa Fe insurance costs with and without discounts applied to the rates. The data is based on a female driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, safe-driver, multi-policy, and marriage discounts applied.

Larger auto insurance companies and their offered discounts include:

  • AAA may have discounts that include good student, education and occupation, multi-car, good driver, anti-theft, multi-policy, and AAA membership discount.
  • Progressive offers discounts including multi-vehicle, online quote discount, multi-policy, good student, continuous coverage, and online signing.
  • State Farm may include discounts for Steer Clear safe driver discount, passive restraint, anti-theft, good driver, Drive Safe & Save, multiple policy, and accident-free.
  • Esurance includes discounts for homeowner, renters, online quote, Switch & Save, paid-in-full, and multi-policy.
  • Nationwide has discounts for business or organization, easy pay, Farm Bureau membership, accident-free, and defensive driving.

Double check with all the companies to apply every possible discount. Some of the discounts discussed earlier may not apply to policyholders in your area. To choose providers that offer some of these discounts in Santa Ana, click here to view.

Situations that may require an agent's advice

Always keep in mind that when comparing proper insurance coverage for your vehicles, there isn't really a single plan that fits everyone. Every insured's situation is different so this has to be addressed.Insurance savings For instance, these questions may help highlight whether your personal situation may require specific advice.

  • What states are considered no-fault?
  • Are rock-chip repairs free?
  • Is my camper covered for physical damage?
  • Is rental equipment covered for theft or damage?
  • What is the ISO rating for a Hyundai Santa Fe?
  • Does medical payments coverage apply to all occupants?
  • Is upholstery damage covered by car insurance?
  • What discounts do I qualify for?
  • When should I not file a claim?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier

Insurance agent or online?

Many people just want to buy from a licensed agent and we recommend doing that The best thing about getting online price quotes is that you can find cheap insurance rates and still choose a local agent.

Find insurance agent in Santa AnaTo help locate an agent, after submitting this simple form, the coverage information is sent to local insurance agents who will gladly provide quotes and help you find cheaper coverage. You never need to visit any agencies since price quotes are sent immediately to you. You can get cheaper insurance rates and a licensed agent to talk to. If you have a need to get a comparison quote from a specific insurance company, feel free to search and find their rate quote page to submit a rate quote request.

Picking the best provider should include more criteria than just a cheap quote. Agents should be asked these questions:

  • Are there any discounts for paying up front?
  • Are they actively involved in the community?
  • What company holds the largest book of business for them?
  • Is every driver in your family covered?
  • Do you need full coverage on every vehicle?

When looking for a local Santa Ana insurance agent, it's helpful to know the different types of agents and how they function. Agents in Santa Ana are classified as either exclusive or independent.

Exclusive Agents

Exclusive agents can only provide one company's prices like AAA, Allstate, and State Farm. Exclusive agents are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive agencies are highly trained on their products and sales techniques which helps overcome the inability to quote other rates. Drivers often buy from exclusive agents partially due to high brand loyalty instead of buying on price only.

The following are exclusive insurance agencies in Santa Ana willing to provide price quote information.

View more Santa Ana agents

Independent Insurance Agencies

These agents often have affiliation with several companies so they can write business with multiple insurance companies and possibly get better coverage at lower prices. If your premiums go up, they simply move the coverage in-house which makes it simple for you.

If you are comparing rate quotes, it's a good idea to include rate quotes from multiple independent agents in order to have the best price comparison. They often place coverage with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.

Listed below is a short list of independent insurance agencies in Santa Ana that are able to give price quotes.

View more Santa Ana agents

Which car insurance company is best in California?

Picking a high-quality car insurance provider can be difficult considering how many companies there are in Santa Ana. The company rank data in the next section could help you decide which providers to look at when comparing rate quotes.

Best Car Insurance Companies in Santa Ana
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Persistence will pay off

In this article, we presented some good ideas how you can shop for Hyundai Santa Fe insurance online. It's most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may even be surprised to find that the lowest priced auto insurance comes from a small mutual company. Regional companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

As you restructure your insurance plan, don't be tempted to buy less coverage just to save a little money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at an affordable rate.

To read more, feel free to browse the resources below: