Insurance rates Hyundai Tucson in TacomaHow long have you put off shopping around for more affordable Hyundai Tucson insurance in Tacoma? Searching for the cheapest insurance for a Hyundai Tucson in Washington can normally be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to find auto insurance online so we're going to tell you the proper way to price shop coverage on a Hyundai and get the lowest possible price either online or from Tacoma insurance agents.

Comparing rates for the best car insurance in Tacoma is not as confusing as people think. If you have a policy now or need new coverage, you will benefit by learning to find the best rates while maximizing coverage. Drivers just need to understand the most time-saving way to compare rate quotes from many different companies.

The most recommended method to compare rates for Hyundai Tucson insurance in Tacoma is to realize auto insurance companies allow for online access to provide you with free rate quotes. The only thing you need to do is provide the companies a bit of rating information like the make and model of your vehicles, whether your vehicle is owned or leased, coverage limits, and your education level. The rating information is then submitted to multiple companies and you receive quotes quickly.

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

The companies shown below are ready to provide free rate quotes in Washington. If several companies are displayed, we recommend you visit several of them to get the most competitive price.

Hyundai Tucson Insurance Cost Estimates in Tacoma, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $106 $194 $334 $20 $100 $754 $63
Tucson GLS 4WD $160 $198 $386 $22 $116 $882 $74
Tucson Limited 2WD $160 $304 $310 $18 $92 $884 $74
Tucson Limited 4WD $212 $310 $386 $22 $116 $1,046 $87
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in specific Tacoma garaging location which can impact prices greatly.

Rate comparison for different deductibles

When comparing car insurance rates, the most common question is which comprehensive and collision deductibles to buy. The comparison tables below highlight the rate differences when you select higher and lower insurance deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Hyundai Tucson insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $222 $376 $294 $18 $88 $1,023 $85
Tucson GLS 4WD $254 $376 $294 $18 $88 $1,055 $88
Tucson Limited 2WD $254 $458 $294 $18 $88 $1,137 $95
Tucson Limited 4WD $254 $458 $294 $18 $88 $1,137 $95
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Hyundai Tucson insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $162 $254 $294 $18 $88 $816 $68
Tucson GLS 4WD $186 $254 $294 $18 $88 $840 $70
Tucson Limited 2WD $186 $310 $294 $18 $88 $896 $75
Tucson Limited 4WD $186 $310 $294 $18 $88 $896 $75
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Prices do not factor in your specific Tacoma location which can revise coverage rates noticeably.

We can estimate from the data above that using a $100 deductible costs roughly $19 more each month or $228 a year than choosing the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 21 months between claim filings, you would save more money if you choose the higher deductible.

Higher deductibles lower rates

The chart below illustrates how choosing a deductible and can impact Hyundai Tucson annual premium costs for different age categories. The costs are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

How much more does full coverage cost?

The example below shows the comparison of Hyundai Tucson insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Washington. The premiums are based on no violations or accidents, $1,000 deductibles, single male driver, and no policy discounts are applied.

When to drop comprehensive and collision

There is no exact rule for dropping full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's assume your Hyundai Tucson settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $6,000 after the policy deductible has been paid. If premium cost is more than $600 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some situations where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Discount Tacoma car insurance rates

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that you may not know about. A few discounts will be applied when you complete an application, but a few must be inquired about before being credited. If you don't get every credit possible, you may be paying too high a price.Car insurance discounts

It's important to understand that most credits do not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, you're out of luck. Any qualifying discounts will help reduce the cost of coverage.

If you would like to view insurers that offer some of these discounts in Tacoma, click here.

Insurance is not optional but you don't have to overpay

Despite the high cost, paying for insurance is not optional due to several reasons.

First, the majority of states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability in order to be legal. In Washington 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.

Second, if your car has a lienholder, it's most likely the lender will make it a condition of the loan that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Hyundai at a much higher rate and require you to reimburse them for the expensive policy.

Third, insurance preserves both your car and your assets. It will also cover medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will pay to repair the damage minus the deductible amount.

The benefits of having insurance more than offset the price you pay, especially if you ever need it. As of last year, the average driver in Washington is currently overpaying as much as $869 every year so it's very important to do a rate comparison each time the policy renews to ensure rates are inline.

When should I discuss my situation with an agent?

When it comes to choosing the right insurance coverage, there really isn't a cookie cutter policy. Everyone's needs are different and your policy should reflect that.Car insurance savings For instance, these questions could help you determine whether you could use an agent's help.

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It's fast, free and can provide invaluable advice.

Can't I compare rates from local Tacoma insurance agents?

Many people still like to get professional advice from a licensed agent and doing that can be a smart decision Most agents are trained risk managers and give you someone to call. A good thing about comparing insurance prices online is that you can obtain cheap insurance rates but also keep your business local. Putting coverage with small agencies is especially important in Tacoma.

Find insurance agent in TacomaTo help locate an agent, after submitting this quick form, your insurance coverage information is emailed to insurance agents in Tacoma who will give you quotes for your insurance coverage. You don't have to leave your computer as quotes are delivered to you directly. In the event you want to compare prices from a specific insurance company, just search and find their rate quote page and give them your coverage information.

Different types of auto insurance agents in Tacoma

If you would like to find a reliable insurance agent, you must know there are a couple types of insurance agents that you can choose from. Agents are categorized either independent agents or exclusive agents depending on their employer. Both types can handle insurance, but it is important to understand how they are different since it can affect your agent selection.

Independent Insurance Agencies

Independent agencies are not required to write business for one company so they can quote policies through many different insurance companies and find you the best rates. If your premiums go up, they can switch companies in-house and you don't have to find a new agent.

When comparing insurance prices, we recommend you compare quotes from a couple of independent agencies in order to compare the most rates. They often place coverage with smaller companies which may provide better rates.

Below is a partial list of independent agencies in Tacoma that may be able to give pricing information.

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Exclusive Agencies

Agents in the exclusive channel work for only one company such as Allstate, Farmers Insurance, State Farm, and AAA. They are unable to compare other company's rates so keep that in mind. These agents are usually well trained on their company's products which helps them sell on service rather than price. Consumers sometimes buy from exclusive agents mostly because of the brand legacy and the convenience of having a single billing for all their coverages.

Below are Tacoma exclusive agencies willing to provide price quote information.

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Finding the right insurance agency should depend on more than just the bottom line cost. A good agent in Tacoma will have answers to these questions.