Compare Hyundai Tucson Insurance Rate Quotes in Nashville

Discount Hyundai Tucson insuranceWould you like to save money by finding the cheapest Hyundai Tucson insurance in Nashville? If shopping for Nashville car insurance quotes online is new to you, most likely you are confused thanks to the incredible selection of local and online companies that all say they have the best rates for Hyundai Tucson insurance in Nashville.

How to find more affordable Hyundai Tucson insurance in Nashville

The best way we recommend to get more affordable auto insurance rates in Nashville is to regularly compare price quotes from insurers that sell auto insurance in Tennessee. Rates can be compared by completing these steps.

First, read and learn about how companies set rates and the steps you can take to prevent expensive coverage. Many rating criteria that increase rates such as at-fault accidents, speeding tickets, and an unfavorable credit rating can be remedied by improving your driving habits or financial responsibility.

Second, compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from multiple insurance companies. View a list of agents

Third, compare the new quotes to your current policy and determine if cheaper Tucson coverage is available in Nashville. If you find a better price, make sure there is no lapse in coverage.

Fourth, notify your current company of your intention to cancel your current policy. Submit any necessary down payment along with the completed application to the newly selected company. Immediately place the new certificate verifying coverage in an easily accessible location in your vehicle.

The most important part of this process is to use identical limits and deductibles on every quote request and and to compare as many companies as feasibly possible. This enables a level playing field and plenty of rates choose from.

A study showed that a large majority of drivers have been with the same company for more than four years, and almost half have never compared quotes from other companies. With the average premium in Tennessee being $1,400, drivers can save hundreds of dollars each year, but they feel it’s too difficult to compare rate quotes online.

The fastest way that we advise to compare insurance rates in your area utilizes the fact all the major auto insurance companies allow for online access to give rate comparisons. To start a quote, the only thing you need to do is provide details such as driver details, whether you are single or married, any included safety features, and whether you have decent credit. The rating information is instantly sent to many of the top insurers and they return quotes with very little delay.

To get price quotes for your Hyundai Tucson now, click here and complete the form.

The providers in the list below can provide free quotes in Tennessee. If multiple companies are listed, we suggest you get rates from several of them in order to get a fair rate comparison.

Discounts can help to save on Hyundai Tucson insurance in Nashville

Companies that sell car insurance do not list all their discounts in an easy-to-find place, so we took the time to find both well-publicized and the more hidden credits available to lower your premiums when you buy Nashville car insurance online.Car insurance discounts

Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way.

The illustration below shows the comparison of Hyundai Tucson auto insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no violations or accidents, Tennessee state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, safe-driver, marriage, and multi-policy discounts applied.

Large car insurance companies and the discounts they provide are shown below.

Before you buy a policy, ask all the companies how you can save money. A few discounts might not apply in Nashville. To find insurance companies that provide some of the discounts listed above in Tennessee, click this link.

Insurance coverage analysis

The rate information below showcases detailed analysis of coverage costs for Hyundai Tucson models. Learning how insurance premiums are determined can aid in making decisions on the best policy to buy.

Hyundai Tucson Insurance Rates in Nashville, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $216 $380 $390 $24 $116 $1,126 $94
Tucson GLS 4WD $248 $380 $390 $24 $116 $1,158 $97
Tucson Limited 2WD $248 $462 $390 $24 $116 $1,240 $103
Tucson Limited 4WD $248 $462 $390 $24 $116 $1,240 $103
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific zip code location which can lower or raise premiums greatly.

Choosing deductibles

A question often asked by Nashville drivers is how high should the physical damage deductibles be. The comparisons below approximate the differences in price between low and high coverage deductibles. The first set of rates uses a $250 deductible and the second set of rates uses a $500 deductible.

Hyundai Tucson insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $194 $310 $288 $18 $86 $921 $77
Tucson GLS 4WD $224 $310 $288 $18 $86 $951 $79
Tucson Limited 2WD $224 $376 $288 $18 $86 $1,017 $85
Tucson Limited 4WD $224 $376 $288 $18 $86 $1,017 $85
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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 $158 $250 $288 $18 $86 $800 $67
Tucson GLS 4WD $182 $250 $288 $18 $86 $824 $69
Tucson Limited 2WD $182 $304 $288 $18 $86 $878 $73
Tucson Limited 4WD $182 $304 $288 $18 $86 $878 $73
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Estimates do not factor in vehicle garaging location which can revise insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $11 more each month or $132 for a full year averaged for all Tucson models than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average more than 23 months between claims, you would more than likely save some money if you choose the higher deductible. The table below illustrates the way you can decide this on your own policy.

Average monthly premium for $250 deductibles: $82
Average monthly premium for $500 deductibles (subtract): – $71
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important note is that higher deductibles means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. That will force you to have some savings in the bank in the event you need to pay the deductible.

The diagram below illustrates how your choice of deductibles and can influence Hyundai Tucson premium costs for different age groups. Data assumes a married female driver, comp and collision included, and no discounts are applied.

Hyundai Tucson liability-only versus full coverage

The chart below visualizes the comparison of Hyundai Tucson insurance premiums when comparing full coverage to state minimum liability only. The prices are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no additional discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no exact rule to delete comp and collision coverage, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Hyundai Tucson claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying the physical damage deductible. If you are currently paying more than $700 a year for physical damage coverage, then you might consider buying liability only.

There are a few cases where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Car insurance companies ranked

Buying coverage from the right auto insurance provider can be challenging considering how many different companies insure vehicles in Nashville. The company information displayed below can help you choose which coverage providers you want to consider comparing rates with.

Top 10 Nashville Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Hyundai Tucson Insurance Rate Factors

A large part of saving on insurance is knowing a few of the rating criteria that help calculate your policy premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that can earn you cheaper rates.

Too many insurance claims will drive prices up – Insurance companies in Tennessee provide cheaper rates to drivers who file claims infrequently. If you tend to file frequent claims, you can look forward to higher rates. Auto insurance is meant to be used in the event of larger claims.

Discounts for multiple policies – Lots of insurance companies give lower prices to policyholders that have more than one policy. It’s known as a multi-policy discount. Discounts can be ten percent or more. Even if you’re getting this discount it’s still a good idea to compare other company rates to help ensure you have the lowest rates. You may still be able to save even more even if you insure with multiple companies

Save annual miles and save money – Driving a lot of miles annually the more you will pay for insurance. Most insurance companies charge to insure your cars determined by how the vehicle is used. Autos that do not get driven very much cost less to insure compared to those used for work or business. Having an incorrect usage rating on your Tucson may be costing you. Double check that your insurance declarations sheet properly reflects the correct usage.

Insurance policy lapses raise premiums – Having a lapse in insurance coverage will be a quick way to bump up your insurance costs. And not only will insurance be more expensive, failure to provide proof of insurance may result in fines or a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with the Tennessee department of motor vehicles.

Raise your deductibles for better costs – Your deductibles define how much you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims could be a windshield broken by a bird, collision with a deer, and having a roll-over accident. The higher the amount the insured has to pay upfront, the bigger discount you will receive.

Urban areas may pay more – Living in less populated areas can save you money when insuring your vehicles. Fewer drivers means less chance of accidents in addition to fewer liability claims. People who live in big cities have more traffic problems and a longer drive to work. Higher commute times statistically corresponds to a higher accident and claim rate.

Liability insurance safeguards assets – Your policy’s liability coverage is the protection if ever you are ruled to be at fault for causing personal injury or damage in an accident. This coverage provides you with a defense in court up to the limits shown on your policy. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.

Extra policy coverages you don’t use – Insurance policies have a lot of extra add-on coverages that you can buy on your insurance policy. Add-on coverages like rental car reimbursement, towing, and additional equipment coverage are examples of these. You may think they are a good idea when deciding what coverages you need, but your needs may have changed so eliminate the coverages to reduce your premium.

Hyundai Tucson statistical loss data – Car insurance companies use past insurance losses to calculate a price that will offset any claims. Vehicles that statistically have increased losses will have higher rates for specific coverages. The table below shows the historical loss data for Hyundai Tucson vehicles.

For each policy coverage, the claim probability for all vehicles compiled together is set at 100. Numbers that are below 100 imply a favorable loss record, while percentage numbers above 100 indicate more frequent claims or statistically larger claims.

Insurance Loss Ratings for Hyundai Tucson Vehicles
Vehicle 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