Trying to find more competitive auto insurance rates in Henderson, NV? Henderson consumers have a choice when looking for affordable Hyundai Santa Fe insurance. You can either waste hours calling around to get rate comparisons or use the internet to compare rates.
There are more efficient ways to shop for auto insurance so you’re going to learn the proper way to compare rates on a Hyundai and find the cheapest rates from both online companies and Henderson agents.
Compare quotes for Henderson Hyundai Santa Fe insurance
Most companies allow you to get insurance quotes directly from their websites. The process is pretty painless as you simply type in your coverage information on the page. After the form is submitted, the system sends out for your credit score and driving record and gives you a price quote.
Using the web to get rates for Hyundai Santa Fe insurance in Henderson streamlines rate comparisons, and it is imperative to have as many quotes as possible if you want to find the best insurance rates.
To use this form to compare rates, compare rates from the companies below. If you have coverage now, it’s recommended that you enter coverages and limits identical to your current policy. Using the same limits helps guarantee you will receive a rate comparison based on similar coverages.
The companies shown below provide price quotes in Nevada. If you wish to find cheap auto insurance in Henderson, NV, we suggest you visit two to three different companies to get a more complete price comparison.
Hyundai Santa Fe insurance rates and statistics
The rate table displayed next showcases estimates of insurance premium costs for Hyundai Santa Fe models. Understanding more about how auto insurance policy rates are established can assist in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $210 | $440 | $318 | $18 | $96 | $1,082 | $90 |
| Santa Fe GLS 4WD | $242 | $440 | $318 | $18 | $96 | $1,114 | $93 |
| Santa Fe SE 2WD | $242 | $440 | $318 | $18 | $96 | $1,114 | $93 |
| Santa Fe Limited 2WD | $242 | $520 | $318 | $18 | $96 | $1,194 | $100 |
| Santa Fe SE 4WD | $242 | $520 | $318 | $18 | $96 | $1,194 | $100 |
| Santa Fe Limited 4WD | $272 | $520 | $318 | $18 | $96 | $1,224 | $102 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in vehicle location which can modify premiums greatly.
Accidents and violations increase rates
The example below demonstrates how citations and fender-benders can drive up Hyundai Santa Fe car insurance rates for different ages of insureds. The costs are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
Rate comparison of males versus females in Henderson
The example below visualizes the comparison of Hyundai Santa Fe auto insurance costs for male and female drivers. The costs are based on no accidents or driving violations, full coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Liability only or full coverage
The chart below shows the difference between Hyundai Santa Fe annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Nevada. The costs are based on no accidents or driving violations, $250 deductibles, marital status is single, and no policy discounts are applied.
When to drop comprehensive and collision
There is no clear-cut formula for dropping physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Hyundai Santa Fe settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are currently paying more than $600 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where dropping full coverage is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.
Why you need quality insurance for your vehicle
Even though Henderson Santa Fe insurance rates can get expensive, insurance may not be optional for several reasons.
First, the majority of states have mandatory insurance requirements which means the state requires a specific level of liability insurance coverage if you drive a vehicle. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your Hyundai Santa Fe has a lienholder, it’s guaranteed your bank will make it mandatory that you buy full coverage to guarantee loan repayment. If you default on your policy, the lender will be forced to insure your Hyundai for a lot more money and require you to pay much more than you were paying before.
Third, auto insurance protects not only your Hyundai Santa Fe but also your assets. Insurance will also pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of carrying adequate insurance more than offset the price you pay, particularly if you ever have a claim. The average driver in Nevada is wasting up to $865 each year so smart consumers compare quotes each time the policy renews to help ensure money is not being wasted.
Don’t overlook these ten Hyundai Santa Fe insurance discounts
Auto insurance companies don’t always publicize every possible discount very clearly, so the below list has a few of the more common in addition to some of the lesser obvious discounts that you may qualify for.
- Student Discounts – Being a good student may save as much as 25% on a Henderson auto insurance quote. This discount can apply up until you turn 25.
- Full Payment Discount – By paying your policy upfront rather than paying monthly you may have a lower total premium amount.
- Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a Henderson auto insurance quote.
- Discount for New Cars – Buying a new car model can save you some money compared to insuring an older model.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
- Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off PIP or medical payments premium.
- Defensive Driver Discounts – Taking part in a driver safety class could save 5% or more and easily pay for the cost of the class.
- Multiple Policy Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you could get a discount of as much as 10 to 15 percent.
- Military Deployment Discount – Having an actively deployed family member could trigger a small discount.
- Distant College Student Discount – Kids who are attending college and leave their car at home can be insured at a reduced rate.
As a sidenote, some credits don’t apply to the whole policy. Most only cut individual premiums such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will definitely reduce your overall bill.
The example below illustrates the difference between Hyundai Santa Fe insurance costs with and without policy discounts. The data assumes a male driver, no accidents, no driving violations, Nevada state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, marriage, safe-driver, and homeowner discounts applied.
A few of the larger companies and their offered discounts are shown below.
- Farmers Insurance policyholders can earn discounts including business and professional, alternative fuel, homeowner, pay in full, mature driver, and youthful driver.
- Esurance discounts include Switch & Save, Pac-12 alumni, online shopper, online quote, anti-theft, and multi-car.
- State Farm offers premium reductions for multiple autos, anti-theft, Drive Safe & Save, good driver, student away at school, defensive driving training, and safe vehicle.
- GEICO has savings for defensive driver, anti-lock brakes, military active duty, anti-theft, driver training, and daytime running lights.
- Allstate includes discounts for good payer, teenSMART discount, early signing, premier discount, and anti-theft.
Double check with every prospective company how many discounts you can get. Depending on the company, some discounts may not apply to policyholders everywhere. To see a list of providers that offer multiple discounts in Nevada, click here.
Buying car insurance from Henderson insurance agencies
A small number of people just want to sit down and talk to an agent and that is not a bad decision Good agents are highly skilled in risk management and will help you if you have claims. An additional benefit of comparing rate quotes online is the fact that drivers can get cheap car insurance rates but also keep your business local. And providing support for small agencies is important especially in Henderson.
Once you complete this short form, your coverage information is submitted to participating agents in Henderson that give free quotes and help you find cheaper coverage. You won’t even need to search for an agent since price quotes are sent to you instantly. If you wish to get a comparison quote from one company in particular, don’t hesitate to jump over to their website and fill out the quote form the provide.
If you are wanting to purchase car insurance from a reliable insurance agent, you need to know there are two different agency structures from which to choose. Agencies in Henderson can be described as either independent agents or exclusive agents depending on their employer. Either one can handle car insurance, but we need to point out how they are different since it can affect your agent selection.
Independent Agents
Agents in the independent channel are not employed by one company so as a result can place your coverage with any number of different companies and get you the best rates possible. If you are not satisfied with one company, they simply switch companies in-house which makes it simple for you. If you are comparing car insurance prices, you definitely need to contact a couple of independent agencies to maximize your price options. Most independent agents also contract with less well-known companies that many times have cheaper rates.
Shown below is a partial list of independent agents in Henderson that can give you free rate quotes.
- American National Insurance Morgan Agency LLC, Jarod Morgan
1120 Wigwam Pkwy #100 – Henderson, NV 89052 – (702) 430-7764 – View Map - Carl R Forman Insurance Agency
70 E Horizon Ridge Pkwy – Henderson, NV 89002 – (702) 732-7675 – View Map - High Desert Insurance Agency
140 E Horizon Dr – Henderson, NV 89015 – (702) 558-8587 – View Map
Exclusive Insurance Agents
Exclusive insurance agents can only write with one company like Allstate, Farmers Insurance or State Farm. Exclusive agents cannot compare other company’s rates so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on sales techniques which can be an advantage. Consumers often purchase coverage from exclusives mainly due to the brand name instead of buying on price only.
Listed below is a list of exclusive agencies in Henderson that can give you rate quotes.
- Farmers Insurance – Randy Sagastume
180 S Stephanie St #120 – Henderson, NV 89012 – (702) 435-6716 – View Map - Martha Pailes – State Farm Insurance Agent
613 N Stephanie St – Henderson, NV 89014 – (702) 451-0123 – View Map - Allstate Insurance: Helene Karp
305 N Pecos Rd c – Henderson, NV 89074 – (702) 436-0200 – View Map
Choosing an insurance agent requires more thought than just the quoted price. Agents should be asked these questions:
- How long has their agency been open in Henderson?
- Do they make recommendations based only on price?
- Does the agency support the community they serve?
- Do the coverages you’re quoting properly cover your vehicle?
- Which family members are covered?
- What are their preferred companies if they are an independent agency?
- How many years of experience in personal auto insurance do they have?
Once you have satisfactory answers to these questions as well as a affordable price, you have narrowed it down to an auto insurance agent that is reputable and can insure your vehicles.
Insurance policy coverages for a Hyundai Santa Fe
Understanding the coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage kick in for expenses for surgery, nursing services, dental work and chiropractic care. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible
Comprehensive insurance
Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like a tree branch falling on your vehicle, fire damage, damage from getting keyed and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision insurance
Collision coverage covers damage to your Santa Fe caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like crashing into a ditch, scraping a guard rail, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible on your Santa Fe in order to get cheaper collision rates.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Hyundai Santa Fe.
Due to the fact that many Nevada drivers only purchase the least amount of liability that is required (15/30/10 in Nevada), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these limits are set the same as your liability limits.
Liability coverages
Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/10 which stand for a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.
Liability coverage protects against things like repair bills for other people’s vehicles, funeral expenses, structural damage, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is up to you, but buy as large an amount as possible. Nevada state minimum liability requirements are 15/30/10 but you should think about purchasing more coverage.
The illustration below shows why minimum state limits may not be enough.
Nevada car insurance companies ranked
Buying coverage from a high-quality car insurance company can be a challenge considering how many different companies insure vehicles in Nevada. The company rank data shown below may help you choose which providers to look at purchasing a policy from.
Top 10 Henderson Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- 21st Century – 88%
- Liberty Mutual – 88%
- Allstate – 88%
Top 10 Henderson Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Find cheaper rates by being thorough
More affordable auto insurance in Henderson is attainable both online in addition to local insurance agencies, and you should be comparing both to have the best rate selection. Some companies may not provide the ability to get a quote online and these regional carriers only sell coverage through independent insurance agencies.
You just read a lot of tips how to shop for Hyundai Santa Fe insurance online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the lowest premium rates come from some of the lesser-known companies.
When shopping online for auto insurance, never sacrifice coverage to reduce premiums. In many instances, an accident victim reduced comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. The aim is to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.
How to find better rates for Hyundai Santa Fe insurance in Henderson
It takes a few minutes, but the best way to get budget auto insurance rates in Henderson is to begin comparing prices regularly from insurers that insure vehicles in Nevada.
Step 1: Gain an understanding of individual coverages and the measures you can take to lower rates. Many policy risk factors that drive up the price like traffic tickets, fender benders, and poor credit history can be amended by making small lifestyle or driving habit changes.
Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like GEICO and State Farm, while independent agencies can provide price quotes for many different companies.
Step 3: Compare the new quotes to your current policy premium to determine if switching companies saves money. If you find a better price and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Notify your current company to cancel your current auto insurance policy and submit payment along with a signed and completed policy application to your new insurance company. As soon as coverage is bound, store the proof of insurance paperwork with your vehicle’s registration.
One thing to remember is that you’ll want to compare the same coverage limits and deductibles on every price quote and and to look at as many auto insurance providers as possible. Doing this helps ensure a level playing field and a thorough price selection.
Additional information can be found at the links below
- Keeping Children Safe in Crashes Video (iihs.org)
- Who Has Cheap Auto Insurance Rates for a Chevrolet Silverado in Henderson? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Ride Shares in Henderson? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Subaru Impreza in Henderson? (FAQ)
- What Car Insurance is Cheapest for First-time Drivers in Henderson? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Things to Know Before you Cancel Insurance (Allstate)