Insurance quote for Hyundai Tucson in Fort WayneAre you tired of overpaying and want more affordable Hyundai Tucson insurance in Fort Wayne? Are you at wits end from trying to scrape together enough money each month for car insurance? You're in the same situation as the majority of other consumers in Indiana.

Unbelievably, a large majority of drivers kept buying from the same company for a minimum of four years, and about 40% of consumers have never compared car insurance rates at all. The average driver in the U.S. could save about $850 each year, but most tend to underestimate the actual amount they would save if they moved their coverage to a different company. There is such a variety of auto insurance companies to purchase coverage from, and even though it's nice to have multiple companies, it can be more challenging to find the lowest rates for Hyundai Tucson insurance in Fort Wayne.

Quoting the lowest cost coverage in Fort Wayne is easy to do. If you have a policy now or are looking for a new policy, you can follow these tips to get lower rates without having to cut coverage. Consumers just have to know the quickest way to shop from many different companies.

Getting a low cost price on Hyundai Tucson insurance is actually quite simple. All you need to do is take the time to get quotes online with multiple companies.

It's so fast and easy to compare quotes online that it takes the place of having to drive around to all the different Fort Wayne insurance agencies. The ability to quote Hyundai Tucson insurance online can eliminate the need for a local agent unless you're the type of person who wants the professional advice of a local Fort Wayne agent. However, consumers can get prices online but have your policy serviced through an agent.

The companies in the list below are our best choices to provide comparison quotes in Fort Wayne, IN. If the list has multiple companies, it's highly recommended you visit two to three different companies to get the lowest price.

Hyundai Tucson Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $170 $298 $380 $22 $114 $984 $82
Tucson GLS 4WD $232 $406 $364 $22 $110 $1,134 $95
Tucson Limited 2WD $202 $294 $368 $22 $110 $996 $83
Tucson Limited 4WD $152 $304 $318 $18 $94 $886 $74
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Table data does not factor in vehicle location which can influence auto insurance rates substantially.

Should you raise deductibles?

A question often asked by Fort Wayne drivers is how high should the physical damage deductibles be. The comparisons below outline how much more you'll pay between high and low insurance deductibles. The first rate table uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Hyundai Tucson insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $210 $358 $280 $16 $84 $973 $81
Tucson GLS 4WD $242 $358 $280 $16 $84 $1,005 $84
Tucson Limited 2WD $242 $436 $280 $16 $84 $1,083 $90
Tucson Limited 4WD $242 $436 $280 $16 $84 $1,083 $90
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Hyundai Tucson insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $116 $188 $280 $16 $84 $684 $57
Tucson GLS 4WD $134 $188 $280 $16 $84 $702 $59
Tucson Limited 2WD $134 $230 $280 $16 $84 $744 $62
Tucson Limited 4WD $134 $230 $280 $16 $84 $744 $62
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price information does not factor in your specific Fort Wayne location which can influence auto insurance rates substantially.

Using the premium rates above, we can conclude that using a $100 deductible costs an average of $26 more each month or $312 for a full year than requesting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 35 months between claims, you would most likely save money by going with a higher deductible.

Men versus women drivers and insurance cost

The chart below shows the difference between Hyundai Tucson insurance premiums for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Policy deductibles

The example below highlights how deductible selection and can affect Hyundai Tucson annual premium costs for different age groups of insureds. The premiums assume a married female driver, full physical damage coverage, and no additional discounts are factored in.

Insurance protects more than just your car

Even though it can be expensive, insurance is required by state law in Indiana and it also provides benefits you may not be aware of.

The benefits of insuring your car are without a doubt worth the cost, particularly when you have a large claim. Despite what companies tell you, the average driver overpays as much as $700 annually so it's important to compare rates at every renewal to ensure rates are inline.

These seven discounts can lower Hyundai Tucson insurance rates

Companies don't always publicize all their discounts very clearly, so the following is a list of a few of the more common and the harder-to-find credits available to lower your premiums when you buy Fort Wayne car insurance online.Cheaper auto insurance with discounts

Remember that some of the credits will not apply to the whole policy. Some only reduce individual premiums such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, it doesn't quite work that way.

A list of auto insurance companies and some of the discounts are included below.

Double check with each company which discounts can lower your rates. A few discounts may not be available in your state. If you would like to choose from a list of insurers offering auto insurance discounts in Fort Wayne, click here.

Insurance quotes from local Fort Wayne insurance agencies

Certain consumers still prefer to talk to a local agent and that is a smart decision Licensed agents can answer important questions and help you file claims. The biggest benefit of comparing insurance online is that drivers can save money and get lower rates and still buy from a local agent. Buying from and supporting local insurance agents is definitely important in Fort Wayne.

Find insurance agent in Fort WayneAfter completing this simple form, your coverage information is transmitted to insurance agents in Fort Wayne that can provide free Fort Wayne car insurance quotes to get your business. It makes it easy because there is no need to find an agent due to the fact that quote results will go directly to you. If you want to get a price quote from a particular provider, just search and find their rate quote page and complete a quote there.

If you would like to find a reliable insurance agency, you should know the types of insurance agents from which to choose. Insurance policy providers are either independent (non-exclusive) or exclusive. Both sell affordable insurance policies, but it is a good idea to know the subtle differences because it can influence your selection of an agent.

Independent Insurance Agents (or Brokers)

Agents of this type can sell policies from many different companies and that is an advantage because they can write policies through lots of different companies and get the cheapest rates. If your premiums go up, your agent can switch companies and you won't have to switch agencies. If you are comparing insurance prices, you will want to get some free quotes from a couple of independent agencies to get the most accurate price comparison.

The following are independent insurance agents in Fort Wayne who can help you get price quotes.

3702 Rupp Dr - Fort Wayne, IN 46815 - (260) 482-6900 - View Map

3213 E State Blvd - Fort Wayne, IN 46805 - (260) 216-0024 - View Map

2200 Lake Ave #120 - Fort Wayne, IN 46805 - (260) 422-5377 - View Map

View more Fort Wayne agents

Exclusive Agents

Exclusive agencies can only place business with one company and some examples include Farmers Insurance or State Farm. Exclusive agents are unable to compare rates from other companies so keep that in mind. Exclusive insurance agents are highly trained on sales techniques which helps them sell insurance even at higher premiums.

Shown below are Fort Wayne exclusive agents willing to provide comparison quotes.

2416 Getz Rd - Fort Wayne, IN 46804 - (260) 459-1700 - View Map

702 W Coliseum Blvd d - Fort Wayne, IN 46808 - (260) 484-5577 - View Map

6221 Maplecrest Rd - Fort Wayne, IN 46835 - (260) 484-8572 - View Map

View more Fort Wayne agents

Deciding on an insurance agent requires you to look at more than just the bottom line cost. These are some valid questions you should ask.

Specific coverage details

Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types available from auto insurance companies.

Collision coverages - This covers damage to your Tucson resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, hitting a mailbox, crashing into a ditch, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your Tucson to bring the cost down.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for ambulance fees, EMT expenses, prosthetic devices, dental work and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages - This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle and theft. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Liability car insurance - Liability insurance provides protection from damage or injury you incur to people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/10 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as court costs, attorney fees and medical services. How much coverage you buy is a personal decision, but consider buying as much as you can afford. Indiana state minimum liability requirements are 25/50/10 but you should think about purchasing more coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Hyundai Tucson.

Because many people have only the minimum liability required by law (25/50/10 in Indiana), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Persistence will pay off

More affordable insurance in Fort Wayne can be found both online and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. A few companies do not provide the ability to get quotes online and these smaller providers work with independent insurance agents.

While you're price shopping online, don't be tempted to sacrifice coverage to reduce premiums. There have been many situations where an insured dropped liability coverage limits only to regret that it was a big error on their part. The proper strategy is to buy enough coverage at the best possible price while not skimping on critical coverages.

Much more information about insurance in Indiana can be found at these links: