Affordable Insurance for a Hyundai Tucson in Fort Worth

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Hyundai Tucson insurance policy
Hyundai Tucson insurance policy image courtesy of QuoteInspector.com

A recent insurance study discovered that almost 70% of insureds renewed their policy with the same company for at least the last four years, and nearly the majority have never taken the time to shop around. Fort Worth insurance shoppers could save an average of as much as 70% each year, but they just assume it's a time-consuming process to compare rate quotes online.

Discount Hyundai Tucson insuranceIf you want to save the most money, the best way to find cheaper Hyundai Tucson insurance is to start comparing rates regularly from insurers who sell insurance in Fort Worth. Prices can be compared by following these guidelines.

  • First, try to learn a little about how companies set rates and the changes you can make to lower rates. Many rating factors that result in higher prices such as traffic violations and your credit history can be controlled by paying attention to minor details.
  • Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or Allstate, while agents who are independent can quote rates from many different companies.
  • Third, compare the new rates to your current policy to see if a cheaper rate is available in Fort Worth. If you find better rates, make sure there is no coverage gap between policies.
  • Fourth, give notification to your agent or company of your decision to cancel your current car insurance policy. Submit a completed policy application and payment to the newly selected company. Once received, place your new certificate verifying coverage in your vehicle's glove compartment or console.

One piece of advice is that you use the same amount of coverage on each quote and and to get price estimates from as many different insurance providers as possible. This helps ensure an apples-to-apples comparison and the most accurate and complete price analysis.

If you have insurance now, you will most likely be able to lower your rates using these tips. This article's intent is to teach you the best way to quote coverages and also pocket some savings Nevertheless, Texas car owners must learn the way companies price insurance differently because rates fluctuate considerably.

The method we recommend to compare rates for Hyundai Tucson insurance in Fort Worth is to know the trick most larger insurance companies have advanced systems to give free rates quotes. The only thing you need to do is give the companies some data including whether you are single or married, an estimate of your credit level, driver details, and if you went to college. Your information is instantly submitted to multiple different insurance companies and you should receive rate quotes very quickly.

To find lower cheaper Hyundai Tucson insurance rates now, click here and enter your zip code.

The companies shown below are our best choices to provide quotes in Texas. If multiple companies are shown, we recommend you visit several of them in order to get a fair rate comparison.

Hyundai Tucson insurance charts and tables

The price information shown next highlights detailed analysis of coverage costs for Hyundai Tucson models. Learning a little about how car insurance premiums are formulated can benefit drivers when making informed purchases.

Hyundai Tucson Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $180 $322 $430 $26 $128 $1,086 $91
Tucson GLS 4WD $206 $322 $430 $26 $128 $1,112 $93
Tucson Limited 2WD $206 $392 $430 $26 $128 $1,182 $99
Tucson Limited 4WD $206 $392 $430 $26 $128 $1,182 $99
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in vehicle garaging location which can influence auto insurance rates noticeably.

Should you raise deductibles?

When comparing insurance rates, the most common question is what deductibles to buy. The comparisons below may aid in understanding the price difference between high and low comp and collision deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price 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 $256 $408 $382 $22 $114 $1,207 $101
Tucson GLS 4WD $294 $408 $382 $22 $114 $1,245 $104
Tucson Limited 2WD $294 $496 $382 $22 $114 $1,333 $111
Tucson Limited 4WD $294 $496 $382 $22 $114 $1,333 $111
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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 $208 $328 $382 $22 $114 $1,054 $88
Tucson GLS 4WD $240 $328 $382 $22 $114 $1,086 $91
Tucson Limited 2WD $240 $400 $382 $22 $114 $1,158 $97
Tucson Limited 4WD $240 $400 $382 $22 $114 $1,158 $97
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in your specific Fort Worth location which can raise or lower coverage rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $14 more each month or $168 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 18 months between claims, you would most likely save money if you elect the higher deductible. The numbers below show how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $107
Average monthly premium for $500 deductibles (subtract): - $93
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

Full coverage versus liability only rates

The illustration below shows the difference between Hyundai Tucson insurance premiums with and without physical damage coverage. The data is based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied.

When to stop buying physical damage coverage

There is no definitive formula to eliminate comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's say your Hyundai Tucson book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $2,000 after paying your policy deductible. If premium cost is more than $200 a year for full coverage, then it's probably a good time to buy liability coverage only.

There are some conditions where removing full coverage is not advised. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Auto insurance discounts are available for cheaper rates

Auto insurance is not inexpensive, but you might find some hidden discounts to help offset the cost. Many discounts should be triggered when you complete an application, but a few must be requested specifically before you get the savings.Auto insurance discounts

  • Multi-Vehicle Discounts - Insuring primary and secondary vehicles with one company can reduce rates for all insured vehicles.
  • Savings for New Vehicles - Buying a new car model is cheaper because newer models have to meet stringent safety requirements.
  • Passive Restraints and Air Bags - Factory options such as air bags or automatic seat belts can get savings of 20% or more.
  • Driver Training Discounts - Taking part in a course that instructs on driving safety may get you a small discount and easily recoup the cost of the course.
  • Theft Deterrent Discount - Vehicles that have factory alarm systems and tracking devices are stolen less frequently and therefore earn up to a 10% discount.

Don't be surprised that some credits don't apply to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. Even though the math looks like you can get free auto insurance, it's just not the way it works. But all discounts will positively reduce your auto insurance premiums.

The diagram below illustrates the comparison of Hyundai Tucson insurance rates with and without discounts applied. The prices are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-policy, homeowner, and multi-car discounts applied.

For a list of companies who offer free Hyundai Tucson insurance quotes in Texas, click here.

Best reasons to buy car insurance in Texas

Despite the fact that car insurance is not cheap in Fort Worth, buying car insurance is required in Texas but it also protects you in many ways.

  • The majority of states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability insurance coverage if you drive a vehicle. In Texas 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.
  • If you bought your Hyundai Tucson with a loan, most lenders will make it a condition of the loan that you have insurance to protect their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Hyundai at an extremely high rate and require you to pay the higher price.
  • Insurance protects not only your car but also your financial assets. Insurance will pay for many types of medical costs for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay for a defense attorney in the event you are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance more than cancel out the cost, especially when you need to use it. Despite what companies tell you, the average driver is overpaying more than $820 a year so compare quotes from several companies at every policy renewal to be sure current rates are still competitive.

Shop online but buy locally

Some people still like to sit down and talk to an agent and we recommend doing that A good thing about comparing rate quotes online is the fact that you can find cheaper rates and also buy local.

To help locate an agent, after submitting this quick form, the quote information is instantly submitted to participating agents in Fort Worth who will give you bids for your insurance coverage. It makes it easy because there is no need to even leave your home as quotes are delivered to you instantly. You can find the lowest rates AND a local agent. If you need to get a rate quote from a specific insurance company, don't hesitate to jump over to their website and give them your coverage information.

Finding the right provider should depend on more than just a cheap quote. Some important questions to ask are:

  • Can they provide you with a list of referrals?
  • What are the financial ratings for the companies they represent?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • How long has the business existed?
  • Can they help ensure a fair claim settlement?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Are there any extra charges for paying monthly?

Two types of car insurance agents

When finding a local Fort Worth insurance agent, it's important to understand the different agency structures to choose from. Agents are considered either exclusive or independent.

Exclusive Insurance Agencies

Agents that elect to be exclusive can only provide pricing for a single company and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to place coverage with different providers so always compare other rates. Exclusive agents are usually quite knowledgeable in insurance sales which helps them sell on service rather than price. Consumers frequently use the same agent mainly due to loyalty to the company rather than having low rates.

Shown below are Fort Worth exclusive insurance agents that are able to give price quote information.

View more Fort Worth agents

Independent Insurance Agents

These type of agents are not required to write business for one company so they have the ability to put coverage through many companies and potentially find a lower price. If they quote lower rates, your policy is moved internally which is easy for the insured.

When comparing rates, we recommend you contact multiple independent agents for the best price selection. Most can insure with smaller regional carriers that may have much lower rates than larger companies.

Shown below is a short list of independent agents in Fort Worth willing to provide comparison quotes.

View more Fort Worth agents