It’s amazing but a large majority of consumers have bought insurance from the same company for at least four years, and almost half have never quoted insurance rates at all. Nebraska consumers could save an average of 30% each year by just shopping around, but they don’t believe the big savings they would realize if they swap their current policy for a cheaper one.
To save the most money, the best way to get low-cost Hyundai Santa Fe insurance in Omaha is to compare quotes annually from companies who provide auto insurance in Nebraska. Prices can be compared by completing these steps.
- Gain an understanding of how car insurance works and the steps you can take to prevent expensive coverage. Many rating criteria that cause high rates like distracted driving and your credit history can be improved by making minor driving habit or lifestyle changes. Keep reading for additional ideas to get lower rates and find additional discounts.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can provide price quotes from multiple sources.
- Compare the new quotes to your existing coverage to determine if you can save on Santa Fe insurance. If you find a better price and buy the policy, ensure there is no coverage lapse between policies.
- Give notification to your current company to cancel the current policy. Submit the signed application along with the required initial payment to the new insurer. As soon as coverage is bound, put the new certificate verifying proof of insurance in an easily accessible location.
A tip to remember is to compare similar coverage information on every quote and and to get rates from as many companies as possible. Doing this provides a fair rate comparison and the best price quote selection.
These techniques will tell you how car insurance works and how you can save the most money. If you have auto insurance now, you will definitely be able to get lower rates using these tips. Smart buyers just have to learn the tricks to find the lowest price online.
Getting a low cost price on insurance is actually easier than you may think. Just spend a little time to compare rate quotes online from several insurance companies.
It’s so fast and easy to compare rate quotes online that it makes it obsolete to make phone calls or go to insurance agents’ offices. Quoting Hyundai Santa Fe insurance online can eliminate the need for a local agent unless you require the trained advice of an agent trained in personal lines coverage. You can, however, compare the best prices online and get advice from an agent in your area.
The car insurance companies shown below are ready to provide free quotes in Omaha, NE. In order to find the best auto insurance in Omaha, NE, we recommend you visit as many as you can in order to get a fair rate comparison.
Insurance discounts are available to lower rates
Some companies do not advertise every discount available in a way that’s easy to find, so we break down both well-publicized in addition to some of the lesser obvious credits available to you. If you do not double check each discount you qualify for, you’re paying more than you need to.
- Theft Deterrent – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and can earn a small discount on your policy.
- Student in College – College-age children who are enrolled in a college that is more than 100 miles from Omaha and don’t have a car can be insured at a reduced rate.
- Auto/Life Discount – Insurance companies who offer life insurance give a break if you buy life insurance from them.
- No Claim Discounts – Insureds who avoid accidents and claims pay much less when compared to bad drivers.
- E-sign Discounts – Many insurance companies may give you up to $50 for signing up over the internet.
- Driver’s Education for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class if offered at their school.
- Multiple Policy Discount – When you have multiple policies with the same insurance company you will save up to 20% and get you affordable Hyundai Santa Fe insurance rates in Omaha.
- Passive Restraints – Vehicles with factory air bags can receive discounts of up to 25% or more.
Drivers should understand that most credits do not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.
The illustration below shows the comparison of Hyundai Santa Fe yearly insurance costs with and without discounts applied to the rates. The rate quotes are based on a female driver, no claims or driving violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, marriage, claim-free, and multi-policy discounts applied.
To locate providers that offer some of these discounts in Omaha, click here to view.
Hyundai Santa Fe detailed coverage information
The price information displayed below outlines detailed analysis of coverage prices for Hyundai Santa Fe models. Having a better understanding of how rate quotes are determined is important for drivers to make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $150 | $290 | $308 | $18 | $92 | $858 | $72 |
| Santa Fe GLS 4WD | $172 | $290 | $308 | $18 | $92 | $880 | $73 |
| Santa Fe SE 2WD | $172 | $290 | $308 | $18 | $92 | $880 | $73 |
| Santa Fe Limited 2WD | $172 | $342 | $308 | $18 | $92 | $932 | $78 |
| Santa Fe SE 4WD | $172 | $342 | $308 | $18 | $92 | $932 | $78 |
| Santa Fe Limited 4WD | $194 | $342 | $308 | $18 | $92 | $954 | $80 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rates do not factor in specific location which can raise or lower premiums noticeably.
Should you raise deductibles?
When buying auto insurance, a common question is how high should your deductibles be. The premium rates below highlight how much more rates are between high and low policy deductibles. The first table uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Santa Fe GLS 4WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Santa Fe SE 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Santa Fe Limited 2WD | $258 | $548 | $300 | $18 | $90 | $1,239 | $103 |
| Santa Fe SE 4WD | $258 | $548 | $300 | $18 | $90 | $1,239 | $103 |
| Santa Fe Limited 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Santa Fe GLS 4WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Santa Fe SE 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Santa Fe Limited 2WD | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Santa Fe SE 4WD | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Santa Fe Limited 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in vehicle location which can influence coverage rates substantially.
Using the premium rates above, we can conclude that using a $100 deductible costs about $21 more each month or $252 every year than requesting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 19 months between claim filings, you would more than likely save some money by going with a higher deductible.
The information below highlights how deductible choice and can increase or decrease Hyundai Santa Fe annual premium costs for different age groups of insureds. The prices are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Cost comparison with and without full coverage
The diagram below shows the difference between Hyundai Santa Fe premium costs with and without full coverage. The price estimates are based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no other discounts are factored in.
Are you wasting money paying for full coverage?
There is no specific rule of when to eliminate full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s say your Hyundai Santa Fe replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $2,000 after the policy deductible has been paid. If premium cost is more than $200 annually for full coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where only buying liability is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.
When should I contact an insurance agency?
Many drivers prefer to buy from a licensed agent and that can be a smart move Professional insurance agents are very good at helping people manage risk and help in the event of a claim. One of the best bonuses of getting online price quotes is that you can find cheap insurance quotes and still have an agent to talk to. Buying from and supporting neighborhood agents is still important in Omaha.
After filling out this form (opens in new window), your coverage information is immediately sent to local insurance agents in Omaha who will give competitive quotes for your coverage. It simplifies rate comparisons since you won’t have to visit any agencies because quoted prices will be sent instantly to you. If you wish to get a rate quote from a particular provider, just find their quoting web page and give them your coverage information.
Two types of Omaha car insurance agents
If you would like to find a reliable insurance agent, there are two different types of agencies that differ in how they can insure your vehicles. Insurance agents are considered either exclusive or independent. Either type can sell affordable insurance policies, but we need to point out the differences since it could factor into the selection process.
Independent Insurance Agencies or Brokers
Independent insurance agents are not employed by one company and that allows them to write policies amongst many companies depending on which coverage is best. If they find a cheaper price, your policy is moved internally which requires no work on your part. If you need cheaper insurance rates, you will definitely want to include rate quotes from at least one independent agent in order to have the best price comparison.
Shown below are Omaha independent insurance agencies who may be able to give you comparison quotes.
Omaha Insurance Services, Inc.
11132 O St – Omaha, NE 68137 – (402) 592-4455 – View Map
Vander Vorst Insurance Agency
15037 Industrial Rd – Omaha, NE 68144 – (402) 330-7979 – View Map
N P Dodge Insurance
8701 W Dodge Rd #100 – Omaha, NE 68114 – (402) 938-5008 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive can usually just insure with one company like Farmers Insurance, Allstate, or State Farm. These agents are unable to compare rates from other companies so they really need to provide good service. Exclusive agents are well trained on sales techniques and that can be a competitive advantage.
Below are Omaha exclusive agents that are able to give price quote information.
Cyrus Jaffery – State Farm Insurance Agent
3015 North 90th Street Ste 3 – Omaha, NE 68134 – (402) 451-2500 – View Map
Len Siedlik – State Farm Insurance Agent
12781 Q St – Omaha, NE 68137 – (402) 895-4446 – View Map
American Family Insurance – Steven Moor Agency Inc.
13358 W Maple Rd – Omaha, NE 68164 – (402) 399-8200 – View Map
Choosing an car insurance agent requires you to look at more than just the bottom line cost. Some important questions to ask are:
- Do they write coverage based solely on cost?
- Can they give you a list of client referrals?
- Do they offer rental car reimbursement?
- What company do they have the most business with?
- Is the quote a firm price?
Learn How to Find Auto Insurance More Affordably
Many factors are part of the equation when premium rates are determined. Some are pretty understandable such as your driving record, although some other factors are less obvious such as whether you are married or your vehicle rating.
The items below are a partial list of the pieces used by insurance companies to determine rates.
- Save money by having high credit – Having a bad credit history can be an important factor in determining what you pay for auto insurance. So if your credit score could use some work, you could be paying less to insure your Hyundai Santa Fe by spending a little time repairing your credit. People that have excellent credit tend to file fewer claims than drivers with poor credit scores.
- Do you work long hours in a tough vocation? – Did you know that where you work can have an impact on rates? Jobs like lawyers, social workers, and medical professionals have the highest average rates in part from high stress levels and lots of time spent at work. On the other hand, careers such as professors, athletes and homemakers have lower than average premiums.
- If you don’t need it don’t buy it – There are a lot of add-on coverages you can purchase if you aren’t diligent. Coverage for things like vanishing deductibles, death and dismemberment, and additional equipment coverage could be just wasting money. These may sound like a good investment when deciding what coverages you need, but now you might not need them so remove them from your policy.
- Stay claim-free and save – Insurance companies in Nebraska give most affordable rates to drivers that do not abuse their auto insurance. If you file a lot of claims you can expect much higher rates or policy non-renewal. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
- Your location is important – Choosing to live in smaller towns and rural areas of the country has definite advantages when it comes to auto insurance. Fewer drivers on the road corresponds to lower accident rates as well as less vandalism and auto theft. Drivers in populated Nebraska areas tend to have more auto accidents and a longer drive to work. More time commuting translates into higher accident risk.
- Drive a safer car and pay less – Vehicles with good safety scores are cheaper to insure. Safer cars protect occupants better and fewer serious injuries translates directly to fewer claims which can result in lower premiums.
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Insurance loss data for a Hyundai Santa Fe – Insurers include the past claim history for a vehicle in order to profitably underwrite each model. Models that tend to have higher claim amounts or frequency will have higher premium rates.
The table below shows the loss history for Hyundai Santa Fe vehicles. For each type of coverage, the claim amount for all vehicles, as an average, equals 100. Numbers shown that are under 100 are indicative of better than average losses, while percentages above 100 indicate higher probability of having a loss or larger claims.
Auto Insurance Loss Data for Hyundai Santa Fe Models Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Hyundai Santa Fe 4dr 2WD 91 94 82 86 92 91 Hyundai Santa Fe 4dr 4WD 109 115 97 96 84 94 Hyundai Santa Fe Sport 4dr 2WD 88 90 93 90 89 93 Hyundai Santa Fe Sport 4dr 4WD 95 91 110 90 96 84 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Why insurance is not optional
Even though it can be expensive, insuring your vehicle is not optional due to several reasons.
- Just about all states have minimum mandated liability insurance limits which means state laws require specific limits of liability protection if you want to drive legally. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Santa Fe has a lienholder, almost every bank will require you to carry insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Hyundai at an extremely high rate and force you to pay the higher premium.
- Insurance safeguards not only your Hyundai but also your assets. It will also provide coverage for many types of medical costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance more than offset the price you pay, particularly when you have a large claim. Despite what companies tell you, the average driver overpays as much as $820 a year so compare rate quotes every year to help ensure money is not being wasted.
Do the work, save more money
We just covered a lot of tips how to compare Hyundai Santa Fe insurance rates in Omaha. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper Omaha auto insurance quotes. Consumers may even find the lowest priced car insurance comes from a small mutual company. They often have lower auto insurance rates on specific markets as compared to the big name companies such as Allstate and Progressive.
Lower-priced Hyundai Santa Fe insurance in Omaha is available from both online companies and from local agencies, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide internet price quotes and most of the time these smaller providers sell through independent insurance agencies.
When getting Omaha auto insurance quotes online, it’s very important that you do not reduce needed coverages to save money. In many instances, an insured cut liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to buy the best coverage you can find at the lowest possible cost, but don’t skip important coverages to save money.
More tips and info about car insurance can be found in the articles below:
- Crash Avoidance Technologies FAQ (iihs.org)
- How Much are Omaha Auto Insurance Rates for Drivers Over Age 70? (FAQ)
- Who Has Affordable Omaha Auto Insurance Quotes for a Jeep Wrangler? (FAQ)
- Who Has the Cheapest Auto Insurance for a Chevrolet Equinox in Omaha? (FAQ)
- How Much is Auto Insurance for Teenage Males in Omaha? (FAQ)
- How Much is Omaha Auto Insurance for College Students? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Hybrid Vehicles in Omaha? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Ford Fusion in Omaha? (FAQ)
- Who Has Cheap Omaha Auto Insurance for Unemployed Drivers? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Electronic Stability Control FAQ (iihs.org)
- Insuring a Leased Car (Insurance Information Institute)