Find Affordable Hyundai Tucson Insurance in San Jose

Insurance quote for Hyundai Tucson in San JoseThe recommended way to find cheaper prices for car insurance rates in San Jose is to begin comparing prices regularly from insurers who can sell car insurance in California. Rate comparisons can be done by following these steps.

The most important part of shopping around is to try to use identical coverages on each quote request and to quote with as many different companies as possible. Doing this guarantees a fair price comparison and a complete price analysis.

It’s an obvious assumption that insurance companies don’t want you shop around. Drivers who shop around for better prices are highly likely to buy a different policy because there are good odds of finding lower rate quotes. Remarkably, a study showed that consumers who compared prices once a year saved on average $860 a year compared to drivers who didn’t regularly shop around.

If saving the most money on auto insurance is your ultimate objective, then knowing the best way to compare car insurance can help you be more efficient.

If you already have coverage or are looking for a new policy, you can use these tips to shop for the lowest rates without reducing coverage. Locating the best rates in San Jose is really not that difficult. Drivers just have to learn the quickest way to buy car insurance over the internet.

Best companies for low-cost Hyundai Tucson insurance in California

The auto insurance companies shown below offer comparison quotes in San Jose, CA. If multiple companies are listed, we recommend you compare several of them to get a more complete price comparison.

Hyundai Tucson insurance rate analysis

The premium information shown below highlights estimates of policy rates for Hyundai Tucson models. Understanding how auto insurance prices are determined can be valuable when making smart choices when buying a policy.

Hyundai Tucson Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $324 $648 $534 $32 $160 $1,698 $142
Tucson GLS 4WD $372 $648 $534 $32 $160 $1,746 $146
Tucson Limited 2WD $372 $790 $534 $32 $160 $1,888 $157
Tucson Limited 4WD $372 $790 $534 $32 $160 $1,888 $157
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in specific zip code location which can impact prices significantly.

The example below shows how choosing a deductible and can change Hyundai Tucson insurance prices for each age group. The rates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Full coverage or liability only

The diagram below shows the comparison of Hyundai Tucson insurance premiums with full coverage compared to only the California minimum liability coverage. The premiums assume no violations or claims, $100 deductibles, single marital status, and no discounts are applied.

Are you wasting money on full coverage?

There is no definitive rule that is best for determining when to drop physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Hyundai Tucson settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after the policy deductible has been paid. If you are paying in excess of $400 a year for physical damage coverage, then you might consider buying liability only.

There are some circumstances where eliminating full coverage is not recommended. If you still owe money on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.

Auto insurance discounts are available to get cheap rates

Companies don’t list every discount they offer very well, so we break down a few of the more common and the harder-to-find credits available to you.

It’s important to note that many deductions do not apply to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like you could get a free auto insurance policy, that’s just not realistic.

The example below visualizes the comparison of Hyundai Tucson auto insurance rates with and without discounts applied to the rates. The price estimates are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, multi-policy, safe-driver, and claim-free discounts applied.

Some companies that have these money-saving discounts include:

When getting free San Jose car insurance quotes, it’s a good idea to each company which credits you are entitled to. Some of the discounts discussed earlier may not be offered in your area. To locate companies that offer some of these discounts in San Jose, follow this link.

Shop online but buy locally

Some people would rather have an agent’s advice and that is a smart decision Good insurance agents can point out coverage gaps and help you file claims. The best thing about comparing insurance prices online is you can get cheap car insurance rates and still have a local agent.

Once you complete this simple form, your coverage information is transmitted to local insurance agents in San Jose who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to search for an agent since price quotes are sent immediately to you. If you have a need to compare rates from one company in particular, you would need to find their quoting web page and complete a quote there.

Finding the right provider requires more thought than just the premium amount. Below are some questions you should ask.

When finding a good insurance agency, it’s important to understand the different types of agents from which to choose. San Jose agents can be described as either independent (non-exclusive) or exclusive. Either type can sell and service car insurance coverage, but it’s a good idea to understand how they are different since it could factor into the kind of agent you use.

Exclusive Insurance Agencies

Exclusive agencies work for only one company like AAA, Allstate, and State Farm. Exclusive agents cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are well trained in insurance sales which helps them sell insurance even at higher premiums.

Below is a list of exclusive agents in San Jose that can give you rate quotes.

360 Kiely Blvd #125San Jose, CA 95129(408) 247-6800View Map

3005 Silver Creek Rd #110San Jose, CA 95121(408) 270-3978View Map

301 N Jackson Ave #12San Jose, CA 95133(408) 259-8826View Map

More insurance agents

Independent Agents

Independent agencies often have affiliation with several companies so they have the ability to put coverage with lots of companies and find you cheaper rates. If you want to switch companies, they can switch companies in-house and you don’t have to find a new agent.

If you are comparing rate quotes, you will want to include price quotes from a couple of independent agencies so that you can do a thorough price comparison.

Listed below are San Jose independent agents that are able to give comparison quotes.

900 N 1st St ESan Jose, CA 95112(408) 292-2925View Map

All Coverage Insurance Agency
3033 Moorpark Ave #27San Jose, CA 95128(408) 244-9100View Map

Sergio Plascencia Insurance Agency
3136 Story RdSan Jose, CA 95127(408) 254-8336View Map

More insurance agents

If you feel you receive good answers to any questions you have and an acceptable price quote, you may have found a car insurance agent that is reliable enough to insure your vehicles.

Persistence will pay off

In this article, we covered some good ideas how you can get a better price on Hyundai Tucson insurance in San Jose. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. Consumers may even find the best premium rates are with a lesser-known regional company. These companies may only write in your state and offer lower prices than the large multi-state companies such as Progressive or GEICO.

Budget-friendly auto insurance in San Jose can be purchased online in addition to many San Jose insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not offer online price quotes and most of the time these smaller providers prefer to sell through independent agencies.

Even more information is located at these sites: