2004 Hyundai Tiburon Insurance Cost – 8 Tips for Cheapest Prices

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Are you tired of paying out the nose to insure your Hyundai every month? You are in the same boat as many other consumers. Online insurance companies like GEICO, 21st Century and Progressive all claim big savings, bombarding you with TV and radio ads and it can be hard to avoid their marketing magic and take the time to shop coverage around.

If you have a policy now or are shopping for new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage is not rocket science. Vehicle owners only need an understanding of the best way to shop their coverage around online.

Save big with these eight discounts

Insuring your fleet can be pricey, but you can get discounts that many people don’t even know exist. Certain discounts will be applied when you get a quote, but some must be requested specifically in order for you to get them. If you don’t get every credit possible, you are throwing money away.

  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • E-sign – A few companies give back up to $50 for buying your policy digitally online.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
  • Club Memberships – Affiliation with a qualifying organization may earn a discount when buying insurance coverage on Tiburon insurance.
  • Multiple Policy Discount – If you have multiple policies with one company you will save approximately 10% to 15%.
  • One Accident Forgiven – A few companies permit an accident without raising rates if your claims history is clear for a set time period.
  • College Student – Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.

Drivers should understand that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will reduce the cost of coverage.

For a list of providers who offer insurance coverage discounts, click this link.

But I don’t know anything about car insurance

When buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether or not you would benefit from professional advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • What is roadside assistance coverage?
  • I don’t drive much so do I pay less?
  • Is my teenager covered with friends in the car?
  • Is my cargo covered for damage or theft?
  • Does medical payments coverage apply to all occupants?
  • What is covered by UM/UIM coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Auto insurance specifics

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on most auto insurance policies.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, vandalism, a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills for things like ambulance fees, surgery, doctor visits, hospital visits and funeral costs. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage

Collision insurance pays for damage to your Tiburon from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, hitting a mailbox, scraping a guard rail, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for liability

This will cover damages or injuries you inflict on other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as structural damage, bail bonds, medical services, pain and suffering and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Shop smart and save

In this article, we presented many ways to reduce 2004 Hyundai Tiburon insurance prices online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even discover the most savings is with some of the lesser-known companies. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

Lower-priced insurance is possible both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

More tips and info about car insurance can be read by following these links:

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