Hyundai Tucson insurance cost image courtesy of QuoteInspector.com
It goes without saying that car insurance companies don't want policyholders to shop around. Consumers who compare rates at least once a year will, in all likelihood, switch auto insurance companies because there is a high probability of finding discount prices. A recent survey revealed that drivers who shopped around every year saved $3,400 over four years as compared to drivers who never shopped around for lower prices.
If finding the lowest price on insurance in Baltimore is why you're reading this, then learning about how to get free comparison quotes and analyze car insurance can make shopping around easier.
The best way to find cheaper quotes for car insurance rates is to make a habit of regularly comparing prices from companies that sell auto insurance in Baltimore.
- First, read about how insurance works and the things you can change to keep rates in check. Many rating factors that result in higher rates such as multiple speeding tickets and a bad credit rating can be controlled by making lifestyle changes or driving safer. Later in this article we will cover more details to help reduce premium rates and get additional discounts.
- Second, compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Allstate, while independent agents can provide price quotes from multiple sources. Compare rates
- Third, compare the new rate quotes to your existing coverage to see if a cheaper rate is available. If you find a better price, verify that coverage does not lapse between policies.
The most important part of this process is to make sure you're comparing similar limits and deductibles on every quote request and and to get rates from as many different insurance providers as possible. Doing this enables the most accurate price comparison and a complete selection of prices.
The goal of this article is to tell you how to get online quotes and some money-saving tips. If you are insured now, you will most likely be able to save money using the ideas covered in this article. Smart buyers just need to use the most time-saving way to compare price quotes from many companies at once.
Low Cost companies for Hyundai Tucson insurance in Maryland
The companies shown below provide price quotes in Maryland. To find cheaper car insurance in Maryland, we recommend you get prices from several of them in order to find the most competitive rates.
Hyundai Tucson insurance charts and tables
The information shown below outlines a range of rate quotes for Hyundai Tucson models. Understanding more about how insurance quotes are calculated can help drivers make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tucson GLS 2WD | $216 | $344 | $414 | $24 | $124 | $1,122 | $94 |
| Tucson GLS 4WD | $248 | $344 | $414 | $24 | $124 | $1,154 | $96 |
| Tucson Limited 2WD | $248 | $418 | $414 | $24 | $124 | $1,228 | $102 |
| Tucson Limited 4WD | $248 | $418 | $414 | $24 | $124 | $1,228 | $102 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price information does not factor in specific garaging location which can decrease or increase coverage rates noticeably.
Choosing deductibles
A question often asked by Baltimore drivers is where to set your physical damage deductibles. The comparison tables below summarize the premium difference between high and low deductibles. The first pricing table uses a $250 deductible for comp and collision and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tucson GLS 2WD | $274 | $434 | $406 | $24 | $122 | $1,285 | $107 |
| Tucson GLS 4WD | $314 | $434 | $406 | $24 | $122 | $1,325 | $110 |
| Tucson Limited 2WD | $314 | $528 | $406 | $24 | $122 | $1,419 | $118 |
| Tucson Limited 4WD | $314 | $528 | $406 | $24 | $122 | $1,419 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tucson GLS 2WD | $222 | $350 | $406 | $24 | $122 | $1,124 | $94 |
| Tucson GLS 4WD | $256 | $350 | $406 | $24 | $122 | $1,158 | $97 |
| Tucson Limited 2WD | $256 | $426 | $406 | $24 | $122 | $1,234 | $103 |
| Tucson Limited 4WD | $256 | $426 | $406 | $24 | $122 | $1,234 | $103 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can modify auto insurance rates considerably.
We can estimate from the data above that using a $250 deductible will cost you approximately $14 more each month or $168 every year across all Hyundai Tucson models than selecting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 18 months between claim filings, you would probably be better off going with the higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $250 deductibles: | $113 |
| Average monthly premium for $500 deductibles (subtract): | - $99 |
| 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 |
One big caveat is that increasing deductibles to save money means you will have to pay more of your own money at claim time. That will necessitate enough money in the bank in order to pay the higher deductible.
Discounts mean cheaper rates for Hyundai Tucson insurance in Baltimore
Insurance is easily one of your largest bills, but you might already qualify for some discounts that can help lower your rates. Some trigger automatically at quote time, but a few must be specially asked for before they will apply. If they aren't giving you every credit you deserve, you could be paying more than you need to.
- Membership in Organizations - Being a member of specific professional or occupational memberships or organizations could trigger savings on your bill.
- Full Payment Discount - If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.
- Passive Restraint Discount - Cars that have air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
- Lower Rates for Military - Being deployed with a military unit can result in better premium rates.
- Sign Early and Save - Some companies give discounts for switching to them before your current expiration date. The savings is around 10%.
- Telematics Data Discounts - Policyholders that allow their insurance company to track driving manner by using a telematic data system like In-Drive from State Farm and Progressive's Snapshot could see a rate decrease if their driving habits are good.
- Driver's Education for Students - Require your teen driver to enroll and complete driver's education if it's offered in school.
- First Accident Forgiveness - Not a discount per se, but a few companies such as State Farm and Allstate permit an accident without the usual rate increase if you are claim-free for a specific time period.
- Bundle and Save - If you have multiple policies with one company you will save up to 20% and get you low cost Hyundai Tucson insurance.
- Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
It's important to understand that most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, nobody gets a free ride.
The example below illustrates the comparison of Hyundai Tucson insurance premiums with and without discounts. The rate quotes are based on a female driver, no claims or violations, Maryland state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, multi-policy, marriage, and homeowner discounts applied.
Companies that may offer some of the discounts shown above include:
When getting free Baltimore auto insurance quotes, it's a good idea to every company how many discounts you can get. Savings may not be offered in Baltimore. If you would like to view insurance companies who offer online Hyundai Tucson insurance quotes in Baltimore, follow this link.
Comparing quotes from local Baltimore insurance agencies
Many people just want to go talk to an agent and doing so can bring peace of mind Most agents can make sure you are properly covered and help you file claims. A good thing about price shopping on the web is you can get cheap rate quotes and still have a local agent. Buying from local agents is especially important in Baltimore.
Once you complete this quick form, the coverage information is sent to local insurance agents who want to provide quotes to get your business. You never need to even leave your home since price quotes are sent to you. If for some reason you want to get a comparison quote for a specific company, feel free to find their quoting web page and fill out the quote form the provide.
Below is a short list of insurers in Baltimore that may be willing to give price quotes for Hyundai Tucson insurance in Baltimore.
State Farm: Scott Garvey
3818 Roland Ave - Baltimore, MD 21211 - (410) 889-5840 - View Map
GEICO Insurance Agent
7915 Belair Rd - Baltimore, MD 21236 - (410) 882-8200 - View Map
Allstate Insurance: Shanda Hayden
7200 Eastern Ave a - Baltimore, MD 21224 - (410) 282-7863 - View Map
Rich Garcia State Farm Insurance Agency
9526 Belair Rd - Baltimore, MD 21236 - (410) 248-3276 - View Map
Selecting an insurer should include more criteria than just a low price. Ask your prospective agent these questions:
- Will high miles depreciate repair valuations?
- Is the agency active in community causes in Baltimore?
- Do they feel the quoted coverages are adequate?
- Will they make sure you get an adequate claim settlement?
- Does the quote include credit and driving reports?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Will they give you a referral list?
Once you have received satisfactory answers to your questions as well as an affordable premium quote, you may have found an insurer that meets your needs to provide car insurance coverage.
One last thing to lower rates
The cheapest Hyundai Tucson insurance in Baltimore can be found both online in addition to many Baltimore insurance agents, so you need to quote Baltimore auto insurance with both to have the best rate selection. Some companies do not provide the ability to get a quote online and most of the time these smaller companies only sell through independent agencies.
In this article, we covered some good ideas how to shop for Hyundai Tucson insurance online. The key concept to understand is the more rate comparisons you have, the better chance you'll have of finding cheaper Baltimore auto insurance quotes. Consumers could even find that the most savings is with some of the smallest insurance companies. These companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.
When searching for affordable Baltimore auto insurance quotes, don't be tempted to reduce needed coverages to save money. There are a lot of situations where an insured cut physical damage coverage only to regret they didn't purchase enough coverage. The aim is to buy the best coverage you can find at a price you can afford and still be able to protect your assets.
More information can be read at the links below
- Auto Insurance Learning Center (State Farm)
- How Much are Auto Insurance Quotes for a Ford Fusion in Baltimore? (FAQ)
- What Insurance is Cheapest for a Learners Permit in Baltimore? (FAQ)
- Who Has the Cheapest Baltimore Car Insurance Quotes for a Toyota Highlander? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Steps to Take After an Auto Accident (Insurance Information Institute)