How to Save on Raleigh Hyundai Tucson Insurance

Amazingly, most North Carolina car insurance customers renewed their policy with the same company for four years or more, and nearly the majority have never compared quotes from other companies. Consumers in the United States could save approximately 47% each year, but they don’t believe the rate savings if they switched.

The recommended way to get the cheapest auto insurance rates in Raleigh is to regularly compare prices from insurers who sell auto insurance in North Carolina. You can shop around by following these steps.

Step 1: Take a little time to learn about how insurance companies determine prices and the things you can control to drop your rates. Many factors that result in higher rates such as traffic violations and an unacceptable credit rating can be amended by making minor driving habit or lifestyle changes.

Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while independent agencies can give you price quotes for many different companies.

Step 3: Compare the new rates to your current policy and see if you can save money. If you find a lower rate quote and change companies, ensure coverage does not lapse between policies.

Step 4: Provide proper notification to your current company of your decision to cancel your current policy and submit payment and a completed application to your new carrier. Be sure to keep the new certificate verifying proof of insurance with your vehicle’s registration.

One key aspect when comparing rates is to use the same level of coverage on every price quote and and to compare as many car insurance companies as possible. This ensures an apples-to-apples comparison and the most accurate and complete price analysis.

Getting cheaper auto insurance pricing is not a difficult process. You just need to invest a few minutes to get quotes to find the company with inexpensive Raleigh car insurance quotes.

Doing price comparisons online is so simple that it makes it a waste of time to waste gas driving to different Raleigh agent offices. The ability to buy insurance online has reduced the need for local agents unless you require the professional guidance that only an agent can give. Drivers can obtain prices from the web but purchase the actual policy in an agency.

The companies in the list below have been selected to offer free quotes in Raleigh, NC. To get cheap auto insurance in NC, we recommend you visit two to three different companies to find the most affordable auto insurance rates.

These seven discounts can lower Hyundai Tucson insurance rates

Some insurance providers don’t list every discount in an easy-to-find place, so the following is a list of both the well known and the harder-to-find discounts that you can inquire about if you buy Raleigh car insurance online.

• Save with More Vehicles Insured – Buying insurance for multiple cars with the same insurance company can reduce rates for all insured vehicles.
• Government Employees – Federal government employees could cut as much as 10% off with select insurance companies.
• Organization Discounts – Being a member of a civic or occupational organization in Raleigh is a good way to get lower rates on your bill.
• Good Student Discount – Performing well in school can save 20 to 25%. This discount can apply until age 25.
• Paperless Signup – A few insurance companies may give you up to $50 simply for signing over the internet.
• Low Miles Discount – Low annual miles may enable drivers to earn lower prices on the low mileage vehicles.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off PIP or medical payments premium.

It’s important to understand that most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. Even though it appears you can get free auto insurance, companies wouldn’t make money that way.

The diagram below shows the comparison of Hyundai Tucson yearly insurance costs with and without discounts being applied to the rates. The price estimates are based on a male driver, a clean driving record, no claims, North Carolina state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, claim-free, multi-policy, and safe-driver discounts applied.

Companies and some of the discounts are included below.

• Farmers Insurance offers discounts for good student, homeowner, business and professional, pay in full, switch companies, and teen driver.
• Esurance discounts include online quote, good driver, DriveSense, online shopper, and good student.
• State Farm offers discounts including defensive driving training, safe vehicle, multiple policy, student away at school, Steer Clear safe driver discount, Drive Safe & Save, and anti-theft.
• GEICO has discounts for five-year accident-free, air bags, multi-policy, anti-theft, daytime running lights, emergency military deployment, and multi-vehicle.
• Allstate may include discounts for resident student, early signing, new car, premier discount, eSmart discount, defensive driver, and anti-lock brakes.

If you want cheaper Raleigh car insurance quotes, ask each company how you can save money. Some of the earlier mentioned discounts may not be available in Raleigh. To see providers who offer online Hyundai Tucson insurance quotes in Raleigh, follow this link.

Auto insurance statistics and figures

The rate information below covers detailed analysis of coverage costs for Hyundai Tucson models. Learning a little about how auto insurance policy rates are formulated can help you make smart choices when selecting a coverage provider.

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can influence insurance rates noticeably.

Policy deductible comparison

When shopping for auto insurance, a common question is how high should the physical damage deductibles be. The comparisons below illustrate how much more you’ll pay of buying low and high deductibles. The first set of prices uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price information does not factor in vehicle location which can revise auto insurance rates significantly.

We can estimate from the data above that using a $100 deductible costs about $16 more each month or $192 for a full year averaged for all Tucson models than buying the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have more than 25 months between claim filings, you would most likely save money if you decide on a higher deductible.

Drive responsibly or pay higher rates

The example below shows how traffic citations and accident claims influence Hyundai Tucson insurance prices for different insured age categories. The price estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

Auto insurance cost for men versus women

The information below shows the difference between Hyundai Tucson annual premium costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are factored in.

When should I get advice from an insurance agency?

Many people would prefer to go talk to an agent and often times that is recommended Licensed agents are trained risk managers and will help you if you have claims. An additional benefit of comparing insurance prices online is that you can obtain cheap car insurance quotes and still choose a local agent.

To help locate an agent, after submitting this form (opens in new window), the coverage information is emailed to agents in your area that provide free Raleigh car insurance quotes for your coverage. You won’t even need to search for an agent because quoted prices will be sent immediately to you. If you have a need to quote rates from a particular provider, feel free to jump over to their website and complete a quote there.

Finding the right company shouldn’t rely on just the quoted price. Any agent in Raleigh should have no problem answering these questions:

• Is the agent properly licensed in North Carolina?
• Will the quote change when the policy is issued?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Does the company use OEM repair parts?
• Do they have any clout with companies to ensure a fair claim settlement?
• If independent agents, which companies do they recommend?
• Do they offer accident forgiveness?
• Do they assist clients in filing claims?

If you would like to find a reputable agency, there are a couple of types of agencies and how they can write your policy. Agencies in Raleigh can be classified as either exclusive agents or independent agents. Both types of agents can handle car insurance, but it’s a good idea to understand the differences because it can influence the type of agent you choose.

Exclusive Car Insurance Agencies

Exclusive agents normally can only provide a single company’s rates and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agents are well schooled on sales techniques and that allows them to sell at a higher price point.

The following is a list of exclusive insurance agencies in Raleigh who can help you get comparison quotes.

More insurance agents

Independent Agents

Agents of this type are normally appointed by many insurers so they can write business through many companies and potentially find a lower price. If they find a cheaper price, they simply switch companies in-house and you can keep the same agent. If you need lower rates, it’s recommended you get rate quotes from a few independent agents in order to compare the most rates.

Below is a list of independent insurance agents in Raleigh that can give you price quote information.

More insurance agents

Buying the right vehicle insurance in North Carolina is an important decision

Despite the fact that insurance is not cheap in Raleigh, buying insurance may not be optional for several reasons.

First, just about all states have compulsory liability insurance requirements which means state laws require a specific level of liability protection in order to license the vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your car has a lienholder, it’s guaranteed your bank will make it mandatory that you buy full coverage to guarantee their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Hyundai at a much higher premium rate and make you pay the higher price.

Third, insurance preserves your Hyundai and your assets. It will also pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage also covers legal expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, your insurance policy will pay to repair the damage.

The benefits of buying enough insurance more than cancel out the cost, particularly if you ever have a claim. Today the average American driver is overpaying more than $869 every year so it’s recommended you shop around each time the policy renews to save money.

Car insurance coverages and their meanings

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. These are typical coverages found on the average car insurance policy.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses like X-ray expenses, chiropractic care and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits (30/60/25 in North Carolina), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive car insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, hail damage and hitting a deer. The maximum amount you can receive from a comprehensive 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.

Liability coverages

Liability insurance will cover damage that occurs to people or other property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 30/60/25 which means $30,000 bodily injury coverage, a total of $60,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as legal defense fees, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is your choice, but consider buying higher limits if possible. North Carolina state law requires minimum liability limits of 30/60/25 but you should consider buying better liability coverage.

The illustration below shows why low liability limits may not be high enough to adequately cover claims.

Collision coverage protection

This coverage will pay to fix damage to your Tucson resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible on your Tucson to save money on collision insurance.

Best auto insurance company in Raleigh

Picking a high-quality auto insurance provider can be difficult considering how many companies sell insurance in Raleigh. The information below could help you choose which coverage providers to look at when comparing rate quotes.

Top 10 Raleigh Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

Top 10 Raleigh Car Insurance Companies Ranked by Customer Service

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

Quote more and you will save more

In this article, we covered a lot of ways to shop for Hyundai Tucson insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the lowest priced insurance comes from a lesser-known regional company. Some small companies can often provide lower rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.

Cheaper Hyundai Tucson insurance in Raleigh can be bought from both online companies and with local Raleigh insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not provide the ability to get quotes online and usually these regional insurance providers only sell through independent agents.

To learn more, feel free to visit these articles:

• Safety Belts FAQ (iihs.org)
• Who Has Cheap Raleigh Auto Insurance Rates for Welfare Recipients? (FAQ)
• How Much are Auto Insurance Rates for 17 Year Olds in Raleigh? (FAQ)
• What Insurance is Cheapest for a Chevrolet Equinox in Raleigh? (FAQ)
• How Much are Car Insurance Rates for Teenagers in Raleigh? (FAQ)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Understanding Car Crashes Video (iihs.org)