2010 Hyundai Genesis Car Insurance Quotes – 9 Tips for Cheaper Rates

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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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Searching for better insurance rates for your Hyundai Genesis? Expensive insurance can take a big chunk out of your checking account, especially in this economy. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away. Multiple insurance companies compete for your business, so it can be very hard to choose a provider and uncover the absolute best rates possible.

Consumers need to price shop coverage before your policy renews because insurance rates fluctuate regularly. Even if you got the best deal for Genesis coverage on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because you’re about to find out the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

If you have insurance now or are just looking to switch companies, you can use these techniques to cut your premiums and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need to know the proper methods to compare price quotes online.

Comprehensive Auto Insurance Comparison

All the larger auto insurance companies such as GEICO, State Farm and Progressive provide prices directly from their websites. Getting online quotes is fairly simple as you just type in your coverage information as requested by the quote form. Once you submit the form, the system will order your driving and credit reports and provides a quote based on these factors. This makes it a lot easier to compare rates but the process of having to visit many different websites and type in the same information is not the best way to spend an afternoon. But it’s very important to perform this step in order to get the lowest auto insurance rates.

Rate comparisons made easy

An easier way to find lower prices makes use of a single form that obtains quotes from more than one company. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison much simpler. As soon as you send your information, it is rated and you can select any or none of the quotes that you receive. If a lower price is quoted, you can click and sign and buy the policy. This process only takes a few minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and submit the form. If you have coverage now, it’s recommended you complete the form with your coverages as shown on your current policy. Using the same limits helps guarantee you will be getting an apples-to-apples comparison for similar coverage.

Companies offer discounts so take them!

Car insurance companies don’t always publicize every available discount in a way that’s easy to find, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Save over 55 – If you’re over the age of 55, you may qualify for a small decrease in premiums for Genesis coverage.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • New Car Discount – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Air Bag Discount – Cars that have air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Homeowners Savings – Simply owning a home can save you money because maintaining a house shows financial diligence.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Paperwork-free – A handful of insurance companies will give a small break just for signing your application online.

It’s important to note that most discount credits are not given the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of insurance companies offering auto insurance discounts, click here to view.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • Is business equipment covered while in my vehicle?
  • I don’t drive much so do I pay less?
  • How can I get my company to pay me more for my totalled car?
  • Should I put collision coverage on all my vehicles?
  • Why am I required to get a high-risk car insurance policy?
  • Do I have newly-aquired coverage?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance coverage specifics

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Comprehensive coverage (or Other than Collision)

This 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 coverage pays for things like fire damage, a broken windshield and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, colliding with a tree, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability coverages

This protects you from damage that occurs to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like court costs, legal defense fees, emergency aid and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage pay for bills such as doctor visits, pain medications, X-ray expenses, dental work and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

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