Insurance quote for Hyundai Santa Fe in ColumbiaAre you tired of trying to find more competitive Hyundai Santa Fe insurance in Columbia? If you've never shopped for Columbia auto insurance quotes online, most likely you are confused by the sheer number of companies offering insurance in Columbia.

It's astonishing, but almost 70% of insureds have purchased from the same company for over three years, and about 40% of consumers have never compared rate quotes at all. Drivers in South Carolina could cut their rates by almost $750 a year, but they mistakenly think it's difficult to shop their coverage around.

What Affects Hyundai Santa Fe Insurance Costs?

A large part of saving on car insurance is knowing the factors that help calculate your car insurance rates. If you have a feel for what impacts premium levels, this enables informed choices that could result in better car insurance rates. Many different elements are part of the equation when you quote your car insurance policy. Some are obvious like an MVR report, but other criteria are not quite as obvious like your vehicle usage or your commute time.

Listed below are some of the things used by insurance companies to determine rates.

When comparing insurance rates, know that comparing all the rates in your area increases the chance that you will find lower pricing.

The companies in the list below offer price comparisons in Columbia, SC. If multiple companies are listed, we suggest you click on several of them to get the best price comparison.

Hyundai Santa Fe Insurance Cost Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $254 $546 $460 $28 $138 $1,426 $119
Santa Fe GLS 4WD $252 $520 $386 $22 $116 $1,296 $108
Santa Fe SE 2WD $288 $610 $412 $24 $124 $1,458 $122
Santa Fe Limited 2WD $282 $706 $444 $26 $132 $1,590 $133
Santa Fe SE 4WD $166 $350 $320 $18 $96 $950 $79
Santa Fe Limited 4WD $286 $612 $386 $22 $116 $1,422 $119
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rates do not factor in vehicle garaging location which can modify auto insurance rates substantially.

Physical damage deductible comparison

The hardest decision when buying coverage is where to set your physical damage deductibles. The rates shown below summarize the costs and benefits when you choose different insurance deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Hyundai Santa Fe insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $256 $530 $342 $20 $102 $1,275 $106
Santa Fe GLS 4WD $294 $530 $342 $20 $102 $1,313 $109
Santa Fe SE 2WD $294 $530 $342 $20 $102 $1,313 $109
Santa Fe Limited 2WD $294 $624 $342 $20 $102 $1,407 $117
Santa Fe SE 4WD $294 $624 $342 $20 $102 $1,407 $117
Santa Fe Limited 4WD $332 $624 $342 $20 $102 $1,445 $120
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Hyundai Santa Fe insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $142 $280 $342 $20 $102 $886 $74
Santa Fe GLS 4WD $162 $280 $342 $20 $102 $906 $76
Santa Fe SE 2WD $162 $280 $342 $20 $102 $906 $76
Santa Fe Limited 2WD $162 $330 $342 $20 $102 $956 $80
Santa Fe SE 4WD $162 $330 $342 $20 $102 $956 $80
Santa Fe Limited 4WD $184 $330 $342 $20 $102 $978 $82
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in specific Columbia garaging location which can change coverage prices greatly.

Based on these figures, using a $100 deductible will cost in the ballpark of $35 more each month or $420 each year than requesting the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 26 months between claims, you would probably come out ahead if you decide on a higher deductible.

Deductible comparison

The example below shows how different deductible levels and can change Hyundai Santa Fe insurance costs for each age group. Data assumes a single male driver, comp and collision included, and no discounts are factored in.

How violations and accidents impact rates

The illustration below shows how violations and accident claims influence Hyundai Santa Fe premium costs for different categories of driver ages. The premium estimates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

Will you really save $443 on car insurance?

Big name companies like GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. They all seem to state the claim that drivers will save a bundle if you switch to them. But how can every company offer drivers better rates? This is how they do it.

Many companies have specific criteria for the type of customer that is profitable for them. For example, a preferred risk should be a married female, has a low-risk occupation, and drives less than 5,000 miles a year. Someone who matches that profile is entitled to the best price and will cut their Hyundai Santa Fe insurance rates if they switch.

Insureds who are not a match for these criteria will be quoted more expensive rates which results in business going elsewhere. If you listen closely, the ads state "drivers that switch" not "everyone who quotes" save that kind of money. That's the way companies can claim big savings. That is why you really need to do a price quote comparison at every renewal. It is impossible to guess which insurance companies will fit your personal profile best.

Why you need to buy insurance

Even though it can be expensive, paying for insurance is a good idea for several reasons.

The benefits of carrying enough insurance more than cancel out the cost, particularly when you have a large claim. According to a recent study, the average American driver is overpaying more than $825 a year so compare rates each time the policy renews to be sure current rates are still competitive.

These discounts can lower your insurance rates

Insurance can cost an arm and a leg, but you can get discounts that could help you make your next renewal payment. A few discounts will be applied when you get a quote, but some need to be specially asked for in order for you to get them.Discount insurance

Remember that some of the credits will not apply to the whole policy. Most cut the cost of specific coverages such as comp or med pay. Despite the fact that it seems like it's possible to get free car insurance, you won't be that lucky.

The best insurance companies and a selection of discounts include:

Before you buy a policy, ask all companies you are considering which discounts can lower your rates. Some discounts listed above might not be offered in every state.

Car insurance agents can give valuable advice

Many people would rather have an agent's advice and that is a personal choice. One of the great benefits of comparing insurance prices online is the fact that you can find cheap auto insurance rates but also keep your business local.

Insurance agents in ColumbiaTo make it easy to find an agent, after completing this simple form, your insurance data gets sent to local insurance agents that can provide free Columbia auto insurance quotes for your insurance coverage. It's much easier because you don't need to contact an agency due to the fact that quote results will go to you instantly. You can find better rates without a big time investment. If for some reason you want to compare rates from one company in particular, don't hesitate to go to their quote page and fill out their quote form.

Finding the right company should include more criteria than just a cheap price quote. These questions are important to ask:

Different types of auto insurance agents in Columbia

If you want an insurance agent, it's important to understand the types of agencies that you can select. Auto insurance agencies can either be exclusive or independent.

Exclusive Agencies

These type of agents can usually just insure with one company such as Farmers Insurance, Allstate, or State Farm. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. They are usually quite knowledgeable on what they offer and that can be a competitive advantage. Consumers often buy insurance from these agents primarily because of the brand legacy and the convenience of having a single billing for all their coverages.

The following is a short list of exclusive insurance agents in Columbia that can give you comparison quotes.

View more Columbia agents

Independent Auto Insurance Agents

These agents do not sell for just one brand and that is an advantage because they can write policies with many different companies and get you the best rates possible. To move your coverage to a new company, they can switch companies in-house and you can keep the same agent.

When comparing auto insurance rates, it's a good idea to compare quotes from independent agents in order to have the best price comparison. Most can insure with smaller companies who may have lower rates.

Shown below are independent insurance agencies in Columbia who can help you get price quote information.

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A conclusion for your auto insurance search

More affordable auto insurance in Columbia is available on the web and with local Columbia insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not offer the ability to get quotes online and these smaller companies work with independent agents.

Insureds who switch companies do it for a variety of reasons including delays in paying claims, denial of a claim, delays in responding to claim requests and even high prices. It doesn't matter why you want to switch finding the right auto insurance provider can be pretty painless.

While you're price shopping online, make sure you don't sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and discovered at claim time they didn't have enough coverage. Your aim should be to buy enough coverage for the lowest price, but do not skimp to save money.

More detailed auto insurance information can be found at these sites: