Insurance quote for Hyundai Tucson in ColumbiaAre you burned out from paying out the nose to pay your car insurance bill each month? You're in the same situation as most other vehicle owners in South Carolina.

Sadly, about 70% of customers kept buying from the same company for over three years, and approximately 40% of consumers have never compared rates with other companies. With the average car insurance premium being $1,429, Columbia drivers could save almost $749 a year just by comparing rates, but they don't know the big savings they would realize if they switched to a cheaper policy.

Vehicle owners have multiple auto insurance companies to insure vehicles with, and though it is a good thing to be able to choose, more choices can make it harder to get the best deal for Hyundai Tucson insurance in Columbia.

Consumers need to compare prices every six months because car insurance prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates on Hyundai Tucson insurance in Columbia last year there is a good chance you can find better premium rates now. There are a lot of ways to save on Tucson insurance online but we're going to give you some good information on how to lower your car insurance rates in Columbia.

Most major insurance companies such as 21st Century, Allstate and State Farm provide coverage price quotes from their websites. Doing online price comparisons for Hyundai Tucson insurance in Columbia is quite simple because it's just a matter of typing in your required coverages on the page. After you submit the form the system orders reports for credit and driving violations and generates pricing information based on these factors. The ability to get online rate quotes for Hyundai Tucson insurance in Columbia makes it simple to compare prices and it's very important to compare as many rates as possible in order to find the most affordable insurance rates.

To quickly find out what other companies charge, compare rate quotes from the providers shown below. If you have coverage now, it's recommended you duplicate deductibles and limits identical to your current policy. This way, you will receive rate quotes using the same coverage and limits.

The companies shown below have been selected to offer quotes in Columbia, SC. If the list has multiple companies, we recommend you visit two to three different companies to get the cheapest price.

Hyundai Tucson Insurance Price Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $144 $244 $320 $18 $96 $822 $69
Tucson GLS 4WD $128 $196 $328 $20 $98 $770 $64
Tucson Limited 2WD $268 $488 $352 $20 $106 $1,234 $103
Tucson Limited 4WD $206 $378 $328 $20 $98 $1,030 $86
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in specific location which can increase or decrease rates noticeably.

Cost of full coverage

The example below examines Hyundai Tucson yearly insurance costs with liability coverage only compared to full coverage. The price estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single male driver, and no discounts are factored in.

When to buy liability coverage only

There is no set rule to eliminate full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let's pretend your Hyundai Tucson replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after you pay the deductible. If premium cost is more than $200 a year for physical damage coverage, then it's probably a good time to buy liability coverage only.

There are a few situations where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Deductible comparison

When comparing auto insurance rates, the most common question is what deductibles to buy. The premium rates below approximate the rate difference of buying low and high comp and collision deductibles. The first pricing table uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.

Hyundai Tucson insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $230 $366 $342 $20 $102 $1,085 $90
Tucson GLS 4WD $264 $366 $342 $20 $102 $1,119 $93
Tucson Limited 2WD $264 $444 $342 $20 $102 $1,197 $100
Tucson Limited 4WD $264 $444 $342 $20 $102 $1,197 $100
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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 $186 $294 $342 $20 $102 $944 $79
Tucson GLS 4WD $214 $294 $342 $20 $102 $972 $81
Tucson Limited 2WD $214 $358 $342 $20 $102 $1,036 $86
Tucson Limited 4WD $214 $358 $342 $20 $102 $1,036 $86
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in Columbia location which can affect prices substantially.

We can estimate from the data above that using a $250 deductible will cost you about $13 more each month or $156 every year than opting for the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 19 months between claims, you would probably save some money if you choose a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $96
Average monthly premium for $500 deductibles (subtract): - $83
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

An important sidenote is that raising deductibles results in having to pay to pay more out-of-pocket when you have to file a claim. That will necessitate some non-essential savings in the event you need to pay the higher deductible.

Annual premiums for males versus females

The information below illustrates the comparison of Hyundai Tucson annual premium costs for male and female drivers. The data assumes no claims or violations, comp and collision included, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Do you qualify for these five discounts?

Auto insurance companies don't always list their entire list of discounts very clearly, so the next list breaks down a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy Columbia auto insurance online.Car insurance discounts

It's important to note that most of the big mark downs will not be given to the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, companies wouldn't make money that way.

The best car insurance companies and some of the premium reductions they offer are shown below.

If you need lower rates, check with all companies you are considering to give you their best rates. A few discounts may not be offered in Columbia.

Local Columbia auto insurance agents

Many people would rather get advice from a local agent and that is just fine! One of the best bonuses of comparing insurance online is that drivers can save money and get lower car insurance rates and still buy from a local agent.

Insurance agents in ColumbiaAfter completing this short form, your coverage information is instantly submitted to agents in your area who will give you quotes for your coverage. You won't need to find an agent on your own because quoted prices will be sent to the email address you provide. You can find better rates AND a local agent. If you have a need to quote rates from a specific insurance company, you would need to find their quoting web page to submit a rate quote request.

Deciding on a insurance company should include more criteria than just a cheap price. The following questions are important to ask.

When looking for a local Columbia insurance agent, there are two different types of agents and how they are slightly different. Insurance agents are either exclusive or independent.

Exclusive Agents

Agents in the exclusive channel write business for a single company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents cannot shop your coverage around so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on their company's products which aids in selling service over price.

Shown below are Columbia exclusive insurance agencies who can help you get price quotes.

2321 Main St - Columbia, SC 29201 - (803) 254-7322 - View Map

Rick Anthony - State Farm Insurance Agent
6226 Bush River Rd b - Columbia, SC 29212 - (803) 781-9810 - View Map

7360 Garners Ferry Rd - Columbia, SC 29209 - (803) 783-2100 - View Map

More Columbia agents

Independent Insurance Agents

Agents of this type are not employed by any specific company and that allows them to write policies through many companies and find you the best rates. If your premiums go up, your agent can just switch to a different company without you having to go to a different agency.

If you are comparing insurance prices, you should always contact multiple independent agents so that you can do a thorough price comparison.

Shown below is a short list of independent agents in Columbia that can give you price quotes.

2718 Middleburg Dr - Columbia, SC 29204 - (803) 779-7666 - View Map

10248 Two Notch Rd - Columbia, SC 29229 - (803) 736-6161 - View Map

9300 Two Notch Rd - Columbia, SC 29223 - (803) 400-1911 - View Map

More Columbia agents

Once you have answers to your satisfaction to any questions you have in addition to an acceptable price estimate, most likely you have located an insurance agency that can be trusted to provide insurance coverage.

Auto insurance just makes sense

Despite the potentially high cost of Hyundai Tucson insurance, paying for auto insurance may be required and benefits you in several ways.

First, most states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability coverage if you don't want to risk a ticket. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Tucson has a loan, it's guaranteed your bank will make it mandatory that you have physical damage coverage to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Hyundai at a much higher premium rate and require you to pay for the much more expensive policy.

Third, auto insurance preserves your Hyundai and your assets. It will also pay for many types of medical costs incurred in an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will cover the repair costs.

The benefits of having insurance outweigh the cost, especially for larger claims. But the average American driver overpays as much as $820 a year so you should quote rates every year to help ensure money is not being wasted.

Specifics of your car insurance policy

Knowing the specifics of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the normal coverages offered by car insurance companies.

Collision - Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, rolling your car, driving through your garage door, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible on your Tucson to bring the cost down.

Auto liability - Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. It protects you against other people's claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like funeral expenses, repair costs for stationary objects, structural damage and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible. South Carolina requires drivers to carry at least 25/50/25 but it's recommended drivers buy more liability than the minimum.

UM/UIM (Uninsured/Underinsured Motorist) coverage - This coverage provides protection when the "other guys" are uninsured or don't have enough coverage. It can pay for injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Due to the fact that many South Carolina drivers only purchase the least amount of liability that is required (South Carolina limits are 25/50/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Med pay and PIP coverage reimburse you for short-term medical expenses like EMT expenses, nursing services, ambulance fees and dental work. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage - This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, a broken windshield, damage from flooding and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Affordable auto insurance prices are available

When you buy Columbia auto insurance online, it's not a good idea 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 and found out when filing a claim that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.

Throughout this article, we presented many ways to get a better price on Hyundai Tucson insurance in Columbia. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Drivers may even discover the lowest prices come from the smaller companies. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

Additional information