Cheap Insurance for a Hyundai Tucson in Birmingham

Nobody that owns a car looks forward to paying premiums for insurance, particularly when the cost is too high.

Insurance rates Hyundai Tucson in BirminghamShockingly, a large majority of insurance policyholders renewed their policy with the same company for at least four years, and 38% of customers have never compared rate quotes at all. Alabama insurance shoppers could save approximately $490 each year by just shopping around, but they don't know how much they could save if they switched to a more affordable policy.

There are many insurance companies to choose from, and even though it's nice to be able to choose, it can be more difficult to find the lowest cost provider for Hyundai Tucson insurance in Birmingham.

Get cheaper Hyundai Tucson insurance in Birmingham with discounts

Some companies don't list all possible discounts very clearly, so here is a list a few of the more common and also the more inconspicuous credits available to you.Auto insurance discounts

A little note about advertised discounts, most of the big mark downs will not be given to the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, you're out of luck. Any qualifying discounts will help reduce your overall premium however.

Large auto insurance companies and a summarized list of policyholder discounts are:

Double check with each insurance company which discounts they offer. Some credits may not apply in every state.

When comparison shopping, there are several ways to obtain and compare prices from many available insurance companies in Alabama. The best method to do a complete rate comparison is to get quotes online.

Doing price comparisons online is so simple that it makes it obsolete to spend your day driving to insurance agents' offices. Quoting and buying Hyundai Tucson insurance online has reduced the need for local agents unless you prefer the trained advice that only a licensed agent can provide. If you prefer, some companies allow you to find lower rates online and still use a local agent.

Just keep in mind that comparing more rates from different companies will improve the odds of getting more affordable rates.

The providers in the list below offer free quotes in Alabama. If the list has multiple companies, we recommend you get prices from several of them to get the lowest price.

Hyundai Tucson Insurance Rates in Birmingham, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $158 $286 $382 $22 $114 $962 $80
Tucson GLS 4WD $250 $422 $382 $22 $114 $1,190 $99
Tucson Limited 2WD $146 $254 $348 $20 $104 $872 $73
Tucson Limited 4WD $278 $592 $438 $26 $132 $1,466 $122
Get Your Own Custom Quote Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in zip code location which can raise or lower premium rates considerably.

An analysis of deductible level

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The comparison tables below can help you visualize the rate difference when you select higher and lower comp and collision deductibles. The first pricing table uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.

Hyundai Tucson insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $252 $430 $338 $20 $100 $1,165 $97
Tucson GLS 4WD $290 $430 $338 $20 $100 $1,203 $100
Tucson Limited 2WD $290 $524 $338 $20 $100 $1,297 $108
Tucson Limited 4WD $290 $524 $338 $20 $100 $1,297 $108
Get Your Own Custom Quote Go
Hyundai Tucson insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $184 $292 $338 $20 $100 $934 $78
Tucson GLS 4WD $212 $292 $338 $20 $100 $962 $80
Tucson Limited 2WD $212 $354 $338 $20 $100 $1,024 $85
Tucson Limited 4WD $212 $354 $338 $20 $100 $1,024 $85
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price information does not factor in Birmingham location which can impact auto insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $21 more each month or $252 every year than choosing the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 19 months between claim filings, you would probably come out ahead if you elect the higher deductible.

Car insurance rates based on gender

The illustration below illustrates the difference between Hyundai Tucson insurance premiums for male and female drivers. Data assumes no claims, a clean driving record, comp and collision included, $1,000 deductibles, single marital status, and no discounts are applied.

Deductible comparison

The information below illustrates how your choice of deductibles and can raise or lower Hyundai Tucson insurance premiums for different insured age categories. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

When to talk to an insurance agency

A lot of people would prefer to buy from a licensed agent and doing that can be a smart decision A nice benefit of getting free rate quotes online is you may find cheap car insurance rates and still buy from a local agent. Buying from and supporting neighborhood agents is definitely important in Birmingham.

Insurance agents in BirminghamTo find an agent, once you fill out this quick form, the quote information is instantly submitted to companies in Birmingham who want to provide quotes for your car insurance coverage. There is no need to drive around due to the fact that quote results will go directly to you. You can get cheaper car insurance rates without the usual hassles of price shopping. If you want to get a price quote from a specific car insurance provider, you would need to go to their quote page and fill out the quote form the provide.

Do you need an independent or exclusive car insurance agent?

When researching a reliable agent, there are two types of agencies and how they can service your needs differently. Car insurance policy providers are categorized either exclusive or independent agents depending on their company appointments.

Independent Car Insurance Agents

These type of agents are not employed by any specific company so they have the ability to put coverage with many different companies and find the cheapest car insurance rates. If they find a cheaper price, the business is moved internally which makes it simple for you. If you need cheaper car insurance rates, you will definitely want to get some free quotes from independent agents in order to have the best price comparison.

The following is a list of independent agencies in Birmingham who can help you get cheap rate quotes.


3232 Cahaba Heights Rd - Birmingham, AL 35243 - (205) 871-9101 - View Map


5850 Valley Rd #110 - Birmingham, AL 35235 - (205) 508-2200 - View Map


429 Green Springs Hwy Ste #131 - Birmingham, AL 35209 - (205) 290-0140 - View Map

View more Birmingham agents

Exclusive Car Insurance Agencies

Agents that elect to be exclusive write business for a single company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot give you multiple price quotes so it's a take it or leave it situation. These agents are well schooled in insurance sales and that can be a competitive advantage.

Shown below are Birmingham exclusive agencies who can help you get rate quotes.


1270 Center Point Pkwy Ste A - Birmingham, AL 35215 - (205) 854-9999 - View Map


1441 Forestdale Blvd #113 - Birmingham, AL 35214 - (205) 798-8446 - View Map

Joyce Ladd - State Farm Insurance Agent
2110 Bessemer Rd - Birmingham, AL 35208 - (205) 780-2955 - View Map

View more Birmingham agents

Picking the best car insurance agent should include more criteria than just the price. These are some questions you should get answers to.

Persistence pays off

More affordable car insurance in Birmingham is definitely available online and also from your neighborhood Birmingham agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies don't offer the ability to get a quote online and these regional carriers work with independent agencies.

When you buy Birmingham auto insurance online, it's very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice collision coverage and learned later that the few dollars in savings costed them thousands. The aim is to buy enough coverage at the best possible price while still protecting your assets.

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