Best Hyundai Tucson Insurance in Aurora

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Hyundai Tucson insurance cost
Hyundai Tucson insurance cost image courtesy of QuoteInspector.com

Insurance for Hyundai TucsonTo save the most money, the best way to get budget Hyundai Tucson insurance in Aurora is to compare prices at least once a year from insurers who sell insurance in Colorado. This can be done by completing these steps.

First, learn about car insurance and the changes you can make to prevent high rates. Many factors that are responsible for high rates like at-fault accidents, speeding tickets, and a poor credit rating can be eliminated by making minor changes to your lifestyle. Continue reading for instructions to help find cheaper rates and find additional discounts.

Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like Progressive or Allstate, while independent agents can provide price quotes for a wide range of insurance providers. Select a company

Third, compare the new rate quotes to your existing policy to determine if you can save on Tucson insurance in Aurora. If you can save some money and switch companies, verify that coverage does not lapse between policies.

Fourth, provide adequate notice to your current company of your intention to cancel your current coverage. Submit the required down payment along with the signed application for the new policy. Be sure to safely store the proof of insurance paperwork somewhere easily accessible.

An important part of this process is to make sure you're comparing identical limits and deductibles on each quote and and to get price quotes from all possible companies. Doing this provides a fair rate comparison and the most accurate and complete price analysis.

It's an obvious assumption that auto insurance companies don't want policyholders to compare prices from other companies. Consumers who do rate comparisons are highly likely to switch companies because of the high probability of finding discount prices. A recent survey discovered that consumers who compared prices once a year saved as much as $72 a month compared to people who don't regularly compare prices.

If finding budget-friendly rates on insurance in Aurora is why you're here, then having an understanding of the best ways to shop for cheaper coverage can help make the process easier.

If you're already insured or just want to save money, you can follow these tips to reduce premiums while maximizing coverage. Locating the best rates in Aurora is much easier if you know where to start. Vehicle owners just need to understand the most efficient way to compare rate quotes from many different companies.

Cheap Aurora Hyundai Tucson insurance

Getting a cheaper price on insurance is actually quite simple. All that's required is to take a couple of minutes comparing rates online from several insurance companies.

Comparison shopping rates online is easy and it replaces the need to drive around to different agent offices. Shopping for car insurance online has reduced the need for local agents unless you have a need for the peace of mind that only a licensed agent can provide. Drivers can compare online quotes but still have the advice of a local agent.

The companies in the list below can provide free rate quotes in Aurora, CO. If you wish to find the cheapest auto insurance in Colorado, we suggest you visit several of them to find the lowest auto insurance rates.

Rates and statistics

The premium information below highlights different insurance costs for Hyundai Tucson models. Having knowledge of how car insurance prices are determined can be of help when making informed decisions when shopping around for a new policy.

Hyundai Tucson Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $166 $298 $368 $22 $110 $964 $80
Tucson GLS 4WD $190 $298 $368 $22 $110 $988 $82
Tucson Limited 2WD $190 $362 $368 $22 $110 $1,052 $88
Tucson Limited 4WD $190 $362 $368 $22 $110 $1,052 $88
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in your specific Aurora location which can revise price quotes noticeably.

Policy deductible comparison

A question often asked by Aurora drivers is how high or low should comp and collision deductibles be. The comparison tables below summarize how much more rates are when you buy lower versus higher coverage deductibles. The first data set uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.

Hyundai Tucson insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $264 $448 $352 $20 $106 $1,215 $101
Tucson GLS 4WD $302 $448 $352 $20 $106 $1,253 $104
Tucson Limited 2WD $302 $546 $352 $20 $106 $1,351 $113
Tucson Limited 4WD $302 $546 $352 $20 $106 $1,351 $113
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Hyundai Tucson insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $192 $304 $352 $20 $106 $974 $81
Tucson GLS 4WD $220 $304 $352 $20 $106 $1,002 $84
Tucson Limited 2WD $220 $368 $352 $20 $106 $1,066 $89
Tucson Limited 4WD $220 $368 $352 $20 $106 $1,066 $89
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in vehicle location which can revise coverage rates substantially.

Based on the data above, we can derive that using a $100 deductible will cost you about $22 more each month or $264 a year than quoting 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 18 months between claims, you would probably be better off by going with a higher deductible.

The chart below illustrates how choosing a deductible and can raise or lower Hyundai Tucson insurance premiums for different insured age categories. Data assumes a single male driver, comp and collision included, and no discounts are factored in.

It's not one size fits all

Always remember that when buying a policy, there really is not a perfect coverage plan. Every insured's situation is different.Higher deductibles save money

These are some specific questions might help in determining if your situation would benefit from an agent's advice.

  • How much underlying liability do I need for an umbrella policy?
  • Should I waive the damage coverage when renting a car?
  • Are there any extra discounts I can get?
  • What does medical payments coverage do?
  • Can I still get insurance after a DUI?
  • Who does medical payments coverage extend to?
  • Am I covered if I hit a deer?
  • Am I covered by my spouse's policy after a separation?

If you can't answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Comparing quotes from local Aurora insurance agencies

A lot of people just want to get professional advice from a licensed agent and often times that is recommended Licensed agents can answer important questions and help you file claims. The best thing about comparing insurance prices online is you can get lower rates and also buy local.

After filling out this quick form, your information is instantly submitted to local insurance agents in Aurora that can give you free Aurora car insurance quotes and help you find cheaper coverage. There is no reason to leave your house as quotes are delivered to you instantly. If you wish to compare prices from a specific insurance company, you would need to visit that company's website and submit a quote form there.

Picking the best insurer shouldn't rely on just a cheap price. The following questions are important to ask.

  • Do you work with a CSR or direct with the agent?
  • Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
  • Are they able to provide referrals?
  • How often do they review policy coverages?
  • Do they specialize in personal lines coverage in Aurora?

When looking for a local agent, it's important to understand the types of agencies and how they differ in how they can insure your vehicles. Aurora agents are classified as either exclusive agents or independent agents. Both types of agents can write policy coverage, but it's worth mentioning the subtle differences since it can impact the type of agent you choose.

Exclusive Agents

Exclusive insurance agents have only one company to place business with like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to compare rates from other companies so keep that in mind. These agents are well schooled on the products they sell which helps overcome the inability to quote other rates.

Below is a list of exclusive agents in Aurora that can give you price quotes.


15281 E Smoky Hill Rd - Aurora, CO 80015 - (720) 886-0400 - View Map


6820 S Liverpool St d - Aurora, CO 80016 - (303) 676-8071 - View Map


1399 S Havana St #201-G - Aurora, CO 80012 - (303) 364-6900 - View Map

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Independent Agents (or Brokers)

Agents in the independent channel are not locked into one company so they can quote policies with many different companies and find the cheapest car insurance rates. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When comparing car insurance prices, you need to get some free quotes from at a minimum one independent agency to have the best price comparison.

Listed below is a list of independent insurance agencies in Aurora that can give you rate quotes.

A All City Auto Insurance
9720 E Colfax Ave - Aurora, CO 80010 - (303) 364-0555 - View Map


2600 S Parker Rd # 263 - Aurora, CO 80014 - (303) 309-6200 - View Map


3033 S Parker Rd #120 - Aurora, CO 80014 - (303) 752-6479 - View Map

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Upon getting positive responses and an affordable coverage quote, you may have found a car insurance agent that meets the criteria to adequately provide car insurance. Keep in mind it's your coverage and you can terminate your policy at any point so don't assume that you are permanently stuck with a policy with no way out.

Which auto insurance company is best in Colorado?

Ending up with the top insurance provider can be rather challenging considering how many companies there are in Aurora. The ranking information listed below could help you select which providers to look at when comparing rate quotes.

Top 10 Aurora Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Esurance - A+
  6. Nationwide - A+
  7. Allstate - A+
  8. Progressive - A+
  9. Titan Insurance - A+
  10. The Hartford - A+

Top 10 Aurora Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Allstate