It’s an obvious assumption that auto insurance companies don’t want you quoting rates from other companies. Consumers who shop around for the cheapest price are highly likely to move their business because there are good odds of finding lower prices. Remarkably, a study showed that drivers who routinely compared rates saved on average $3,450 over four years compared to people who never shopped around.
If finding budget-friendly rates on car insurance is your ultimate goal, knowing how to find companies and compare insurance rates can help you be more efficient.
Really, the only way to find cheaper prices for Hyundai Tucson insurance is to do a yearly price comparison from different companies that insure vehicles in Buffalo.
- First, learn about how companies price auto insurance and the factors you can control to keep rates low. Many factors that increase rates such as getting speeding tickets and poor credit history can be improved by making minor changes in your lifestyle. This article provides information to find cheap rates and get additional discounts that may be available.
- Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from multiple sources. Select a company
- Third, compare the quotes to your existing policy and determine if cheaper Tucson coverage is available. If you can save some money and switch companies, make sure there is no lapse in coverage.
- Fourth, provide notification to your current company of your intent to cancel the current policy. Submit any necessary down payment along with the completed application to your new company or agent. Once the application is submitted, place the new proof of insurance paperwork somewhere easily accessible.
A key point to remember is to try to use similar deductibles and liability limits on every quote request and and to get rate quotes from as many car insurance companies as possible. This helps ensure the most accurate price comparison and and a good selection of different prices.
The quickest method to get policy rate comparisons for Hyundai Tucson insurance in Buffalo is to know the trick auto insurance companies have advanced systems to compare their rates. To begin a comparison, all you need to do is give the companies some data including the year, make and model of vehicles, your occupation, how much coverage you want, and whether you are married. That rating information is then sent to many different companies and you should receive rate quotes quickly.
If you would like to start a quote now, click here and enter your coverage details.
The companies in the list below are ready to provide price quotes in Buffalo, NY. If you wish to find cheap car insurance in Buffalo, it’s a good idea that you compare several of them in order to get a fair rate comparison.
Analysis of Hyundai Tucson rates
The coverage information shown below showcases estimates of coverage prices for Hyundai Tucson models. Having a better idea how premiums are figured is important for drivers to make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tucson GLS 2WD | $132 | $210 | $272 | $16 | $82 | $712 | $59 |
| Tucson GLS 4WD | $152 | $210 | $272 | $16 | $82 | $732 | $61 |
| Tucson Limited 2WD | $152 | $256 | $272 | $16 | $82 | $778 | $65 |
| Tucson Limited 4WD | $152 | $256 | $272 | $16 | $82 | $778 | $65 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Price information does not factor in vehicle location which can alter price quotes substantially.
Should you raise deductibles?
One of the most common car insurance questions is which deductibles should you choose. The tables below may help to conceptualize how much more you’ll pay when you choose different physical damage deductibles. The first rate estimation uses a $100 physical damage deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tucson GLS 2WD | $198 | $338 | $264 | $16 | $80 | $921 | $77 |
| Tucson GLS 4WD | $228 | $338 | $264 | $16 | $80 | $951 | $79 |
| Tucson Limited 2WD | $228 | $412 | $264 | $16 | $80 | $1,025 | $85 |
| Tucson Limited 4WD | $228 | $412 | $264 | $16 | $80 | $1,025 | $85 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tucson GLS 2WD | $110 | $178 | $264 | $16 | $80 | $648 | $54 |
| Tucson GLS 4WD | $126 | $178 | $264 | $16 | $80 | $664 | $55 |
| Tucson Limited 2WD | $126 | $216 | $264 | $16 | $80 | $702 | $59 |
| Tucson Limited 4WD | $126 | $216 | $264 | $16 | $80 | $702 | $59 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in vehicle garaging location which can increase or decrease auto insurance rates considerably.
Based on this data, using a $100 deductible will cost you roughly $25 more each month or $300 annually than buying the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 36 months between claim filings, you would probably be better off by going with a higher deductible.
The diagram below shows how choosing a deductible and can change Hyundai Tucson insurance rates for each age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.
Don’t neglect these premium slashing discounts
Some insurers don’t always publicize all possible discounts very well, so we researched a few of the more common as well as some of the hidden credits that may apply to you. If you do not check that you are getting every discount you qualify for, you are not getting the best rate possible.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
- Accident Waiver – This isn’t a discount exactly, but a handful of insurance companies will turn a blind eye to one accident before they charge you more for coverage so long as you haven’t had any claims for a specific time period.
- Discount for Passive Restraints – Vehicles equipped with air bags can receive discounts of more than 20%.
- Theft Deterrent Discount – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a Buffalo auto insurance quote.
- Multi-car Discount – Buying insurance for multiple vehicles on the same insurance policy can get a discount on all vehicles.
Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, companies don’t profit that way.
The information below visualizes the comparison of Hyundai Tucson insurance prices with and without discounts applied to the rates. The price estimates are based on a male driver, no claims or driving citations, New York state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, multi-policy, safe-driver, and marriage discounts applied.
Companies who may offer most of these discounts are:
Before purchasing a policy, check with every company which discounts can lower your rates. A few discounts might not be available to policyholders in every state. To see a list of insurers that have a full spectrum of discounts in Buffalo, click here to view.
Car insurance is not optional
Even though Buffalo Tucson insurance rates can get expensive, insuring your vehicle is required for several reasons.
- The majority of states have minimum liability requirements which means state laws require a minimum amount of liability coverage in order to license the vehicle. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your Tucson, almost every bank will have a requirement that you have full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Hyundai for a lot more money and force you to pay much more than you were paying before.
- Insurance protects not only your car but also your assets. It will also pay for medical bills for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you are sued as the result of an accident. If your Hyundai gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your Tucson outweigh the cost, especially if you ever need it. Despite what companies tell you, the average driver is wasting up to $825 a year so you should quote and compare rates at every renewal to ensure rates are inline.
Auto insurance quotes from local Buffalo insurance agents
A small number of people would rather talk to a local agent and that is a personal choice. One of the great benefits of price shopping on the web is the fact that drivers can get the best rates but also keep your business local. Buying from and supporting neighborhood agents is still important in Buffalo.
For easy comparison, once you complete this form (opens in new window), your information is sent to local insurance agents that can provide free Buffalo auto insurance quotes for your insurance coverage. You won’t even need to contact an agency since price quotes are sent to your email. It’s the lowest rates AND a local agent. If you wish to quote rates from a specific insurance company, you would need to jump over to their website and give them your coverage information.
If you prefer to buy auto insurance from a local Buffalo insurance agent, it helps to know the two different types of agencies and how they are slightly different. Insurance agencies in Buffalo are either independent or exclusive.
Independent Auto Insurance Agencies or Brokers
Agents that elect to be independent often have many company appointments so as a result can place your coverage through lots of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they can switch companies in-house and you can keep the same agent.
When shopping rates, you absolutely need to contact at least one independent agent to ensure the widest selection of prices. Most can insure with companies that do not advertise much that can offer cheaper rates than bigger companies.
Featured below is a short list of independent insurance agencies in Buffalo that can possibly get you free auto insurance rate quotes.
- Niagara County Insurance
1171 Delaware Ave – Buffalo, NY 14209 – (716) 881-6666 – View Map - Hoch Insurance
2333 Elmwood Ave – Buffalo, NY 14217 – (716) 846-1715 – View Map - Consolidated Insurance Agents
3814 Seneca St – Buffalo, NY 14224 – (716) 674-1700 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can only place business with one company like AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide rate quotes from other companies so always compare other rates. Exclusive agencies are well trained on their company’s products which aids in selling service over price. Some people will only buy from exclusive agents mostly because of loyalty to the company instead of buying on price only.
Shown below is a short list of exclusive insurance agents in Buffalo who can help you get price quote information.
- GEICO Insurance Agent
3835 McKinley Pkwy #2 – Buffalo, NY 14219 – (716) 604-0345 – View Map - Marc Scherrer – State Farm Insurance Agent
2165 Sheridan Dr – Buffalo, NY 14223 – (716) 875-0524 – View Map - State Farm: Dan Hawrylczak
1335 Hertel Ave – Buffalo, NY 14216 – (716) 873-3771 – View Map
Choosing a insurance agent is decision based upon more than just the price. These questions are important to ask:
- What is the financial rating for the quoted company?
- Where would your vehicle be repaired?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- What are their preferred companies if they are an independent agency?
- Will you get a loaner vehicle if you car is being repaired?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is the agency active in community causes in Buffalo?