Would you like to save money by finding more competitive Hyundai Tucson insurance in Philadelphia? Are you overwhelmed by the sheer number of car insurance choices that you can choose from? You have so many choices that it can easily turn into a chore to find the best premium rates for Hyundai Tucson insurance in Philadelphia. If you’ve ever been there, you know that Philadelphia is a great city to raise a family in, but having to pay for pricey car insurance can make it very difficult to make ends meet.
Amazingly, a recent NerdWallet.com study showed that the vast majority of drivers have bought car insurance from the same company for at least four years, and 38% of drivers have never even compared rates from other companies. Philadelphia insurance shoppers can save almost $686 each year by just shopping around, but they just don’t understand the benefits if they just switched companies.
It’s a good habit to get comparison quotes occasionally due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you think you had the best rates on Hyundai Tucson insurance in Philadelphia a couple years back the chances are good that you can find a lower rate quote today. There is lot of inaccurate information about Tucson insurance on the web, but in a few minutes you can learn some good information on how to lower your car insurance premiums.
Quoting and buying the best-priced policy in Philadelphia can be fairly easy. In essence, every car owner who needs lower cost insurance will most likely be able to save money. Although Pennsylvania vehicle owners must know how big insurance companies charge you for coverage because rates are impacted by many factors.
Auto insurance policy discounts you can’t miss
Auto insurance is not an enjoyable expense, but you might find some hidden discounts that many consumers don’t even know exist. Some of these discounts will be visible when you purchase, but occasionally some discounts must be manually applied before you will receive the discount. If you check and find you aren’t receiving every discount possible, you are throwing money away.
- Life Insurance Discount – Select insurance companies reward you with a lower premium rate if you buy some life insurance too.
- Full Payment Discount – By making one initial payment instead of making monthly payments you may have a lower total premium amount.
- Student in College – Youth drivers who are attending college and do not take a car to college could qualify for this discount.
- Own a Home – Owning a house in Philadelphia can help you save on auto insurance because owning a home requires a higher level of personal finance.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it can save substantially.
- Organization Discounts – Being a member of qualifying employment or professional organizations may earn a discount on your policy.
- Lower Rates for Military – Being deployed in the military may lower your rates slightly.
- Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10% off your Philadelphia auto insurance quote.
- Telematics Data – Policyholders that allow their company to monitor where and when they drive by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they are good drivers.
A little note about advertised discounts, many deductions do not apply to the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, that’s just not realistic.
The diagram below shows the difference between Hyundai Tucson insurance prices with and without discounts applied to the rates. The information is based on a female driver, no accidents, no driving violations, Pennsylvania 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 multi-policy, marriage, safe-driver, multi-car, homeowner, and claim-free discounts applied.
A partial list of companies who might offer most of these discounts possibly include:
Check with every company what discounts are available to you. Some discounts might not apply in every state.
The most recommended method to compare policy rates for Hyundai Tucson insurance in Philadelphia is to know the fact auto insurance companies participate in online systems to provide you with free rate quotes. All you need to do is provide information such as if it has an anti-theft system, distance driven, whether you are single or married, and your education level. The data is then sent to multiple different insurance companies and they return cost estimate immediately.
If you would like to start a quote now, click here and complete the form.
The companies shown below are ready to provide comparison quotes in Pennsylvania. If multiple companies are listed, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Hyundai Tucson insurance rates and statistics
The price information displayed below showcases a range of insurance coverage prices for Hyundai Tucson models. Being able to understand how car insurance prices are determined can be useful when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tucson GLS 2WD | $106 | $188 | $316 | $18 | $94 | $722 | $60 |
| Tucson GLS 4WD | $122 | $188 | $316 | $18 | $94 | $738 | $62 |
| Tucson Limited 2WD | $122 | $230 | $316 | $18 | $94 | $780 | $65 |
| Tucson Limited 4WD | $122 | $230 | $316 | $18 | $94 | $780 | $65 |
| Get Your Own Customized Quote Go | |||||||
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Information does not factor in vehicle location which can change coverage rates greatly.
Insurance rate increases from tickets or accidents
The diagram below illustrates how traffic citations and accidents influence Hyundai Tucson insurance rates for different age categories. The costs are based on a married male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
Insurance prices based on gender
The example below illustrates the comparison of Hyundai Tucson premium costs for male and female drivers. The information is based on no claims or driving violations, comp and collision included, $1,000 deductibles, single marital status, and no additional discounts are factored in.
Comparison of full coverage and liability-only policies
The diagram below illustrates the comparison of Hyundai Tucson yearly insurance costs with and without full coverage. The data is based on no tickets, no at-fault accidents, $100 deductibles, single status, and no other discounts are factored in.
When to switch to liability coverage only
There is no definitive rule for dropping physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s say your Hyundai Tucson replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after the policy deductible has been paid. If it’s costing in excess of $400 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some scenarios where eliminating full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
The Hyundai Tucson Insurance Price Equation
Many different elements are used when you quote your car insurance policy. Some are pretty understandable such as traffic violations, although others are not as apparent like where you live or your vehicle rating. It’s important that you understand some of the elements that aid in calculating car insurance rates. If you have a feel for what impacts premium levels, this allows you to make good choices that may reward you with much lower annual insurance costs.
Listed below are some of the items companies use to determine prices.
Additional coverages that may be costing you – There are a lot of extra add-on coverages that sound like a good idea at the time if you aren’t diligent. Coverages like coverage for rental cars, death and dismemberment, and additional equipment coverage are probably not needed. They may seem good when buying your policy, but if you don’t need them eliminate the coverages to reduce your premium.
Liability insurance limits on your policy – The liability section of your policy kicks in when a court rules you are at fault for physical damage or personal injury to other. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Better premiums on safer cars – Vehicles with good safety scores tend to have lower insurance rates. Safe vehicles have better occupant injury protection and lower rates of occupant injuries means less claims paid which can result in lower premiums.
Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for car insurance? Occupational choices like doctors, business owners, and emergency personnel usually pay higher rates than average in part from job stress and long work hours. Conversely, occupations such as scientists, engineers and performers generally pay rates lower than average.
Hyundai Tucson statistical loss data – Insurers use past insurance losses when setting premium prices. Vehicles that statistically have a trend towards higher claims will be charged more to insure. The next table illustrates the historical loss data for Hyundai Tucson vehicles.
For each insurance policy coverage type, the loss probability for all vehicles as a whole equals 100. Numbers shown that are under 100 indicate a favorable loss history, while values that are above 100 indicate higher probability of having a loss or an increased likelihood of larger losses.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Tucson 4dr 2WD | 80 | 96 | 66 | 108 | 110 | 101 |
| Hyundai Tucson 4dr 4WD | 82 | 102 | 70 | 109 | 109 | 109 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Are insurance agencies obsolete?
Certain consumers just want to talk to a local agent and that can be a smart move An additional benefit of comparing rate quotes online is you may find lower rates and also buy local. Buying from and supporting small agencies is still important in Philadelphia.
Once you complete this form (opens in new window), your information is emailed to agents in your area that can provide free Philadelphia auto insurance quotes for your business. It simplifies rate comparisons since you won’t have to search for an agent because prices are sent to you instantly. Get lower rates and a licensed agent to talk to. If you need to get a price quote from a specific company, just search and find their rate quote page to submit a rate quote request.
Pick the best car insurance agent in Philadelphia for you
If you want a local agent, you need to know there are two types of agencies and how they function. Insurance policy providers may be either independent or exclusive depending on the company they work for.
Independent Agents
Agents in the independent channel are not employed by any specific company and that gives them the ability to insure with an assortment of companies and find the cheapest insurance rates. To transfer your coverage to a different company, your agent can just switch to a different company and you can keep the same agent.
When comparing rate quotes, we recommend you include rate quotes from a couple of independent agencies to have the most options to choose from. A lot of them also have access to small regional insurance companies which could offer lower prices.
Featured below are Philadelphia independent insurance agencies who may provide pricing information.
- Burg Insurance
2707 Kirkbride St – Philadelphia, PA 19137 – (215) 744-4100 – View Map - Larry Lewis Insurance Agency, LLC
4548 Market St #208 – Philadelphia, PA 19139 – (215) 243-4110 – View Map - Juniata Ins Agency
1206 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9701 – View Map
Exclusive Insurance Agencies
These agents can only write with one company such as American Family, State Farm, and Allstate. They are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents are very knowledgeable on sales techniques which helps them sell on service rather than price. A lot of people buy from exclusive agents mostly because of the prominent brand name and solid financial strength.
Below are exclusive insurance agencies in Philadelphia that are able to give price quote information.
- Joe Ems – State Farm Insurance Agent
7348 Frankford Ave – Philadelphia, PA 19136 – (215) 333-5100 – View Map - Jerry Gregory – State Farm Insurance Agent
2999 Welsh Rd – Philadelphia, PA 19152 – (215) 338-3313 – View Map - Dave Penning – State Farm Insurance Agent
2962 Robbins Ave – Philadelphia, PA 19149 – (215) 537-8050 – View Map
Picking the best auto insurance agent should include more criteria than just a cheap price quote. The answers to these questions are important, too.
- If independent agents, which companies do they recommend?
- Do they review policy coverages at every renewal?
- Do they offer claims assistance after hours?
- Did they already check your driving record and credit reports?
- Do the companies they represent have a solid financial rating?
Why car insurance is not optional
Even though Philadelphia Tucson insurance rates can get expensive, maintaining insurance serves a purpose in several ways.
- The majority of states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability in order to be legal. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your vehicle, almost every bank will require that you buy full coverage to guarantee loan repayment. If you do not keep the policy in force, the bank may buy a policy for your Hyundai for a lot more money and force you to pay for it.
- Insurance protects both your assets and your car. It will also pay for most medical and hospital costs incurred in an accident. Liability coverage will also pay attorney fees if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance definitely exceed the price paid, specifically if you ever have a liability claim. The average driver in America is currently overpaying as much as $855 a year so it’s very important to do a rate comparison at every renewal to save money.
Get the best coverage at the most affordable price
Cheaper insurance in Philadelphia can be purchased both online and also from your neighborhood Philadelphia agents, so get free Philadelphia auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers do not provide rates over the internet and usually these smaller providers provide coverage only through independent insurance agencies.
Drivers switch companies for a number of reasons such as lack of trust in their agent, high prices, high rates after DUI convictions or even delays in paying claims. Regardless of your reason, choosing a new insurance company is easier than you think.
We just covered quite a bit of information on how to get a better price on Hyundai Tucson insurance in Philadelphia. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding the cheapest Hyundai Tucson rate quotes. You may even find the lowest premium rates are with a company that doesn’t do a lot of advertising.
Other resources
- Auto Insurance 101 (About.com)
- What Car Insurance is Cheapest for Infrequent Drivers in Philadelphia? (FAQ)
- Who Has Cheap Auto Insurance for Handicapped Drivers in Philadelphia? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Bodily Injury Coverage (Liberty Mutual)