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2012 Hyundai Genesis Coupe Insurance 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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UPDATED: Nov 16, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Scraping up a payment for overpriced Hyundai Genesis Coupe insurance can dwindle your personal savings, especially in this economy. Doing a price comparison is free and is an excellent way to lower your monthly bill.

Popular companies such as Progressive, State Farm and GEICO constantly bombard you with TV and radio ads and consumers find it hard to see through the deception and find the best price available.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. Finding affordable coverage is not rocket science. But drivers need to learn the way insurance companies sell insurance online and use this information to your advantage.

Free Car Insurance Quotes

There are several ways you can shop for Hyundai Genesis Coupe car insurance but one way is less labor-intensive and much quicker. You can spend your afternoon talking to insurance agencies in your area, or you can utilize online quoting for quick rates.

Many popular insurance companies belong to an insurance system where prospective buyers submit one quote, and every company can give them a price for coverage. This saves time by eliminating quote requests for each company you want a rate for.

To use this form to compare 2012 Hyundai Genesis Coupe insurance rates click here (opens in new window).

The only drawback to pricing coverage this way is buyers cannot specifically choose which companies to receive prices from. So if you want to choose specific insurance companies to receive pricing from, we have a page of companies who write car insurance in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you use apples-to-apples deductibles and coverage limits for every quote you compare. If you use different deductibles it will be very difficult to decipher which rate is best. Slightly different coverage limits may cause a big price difference. It’s important to know that getting more free quotes will improve the odds of getting the best offered rates.

Cut your premium with discounts

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but a few must be asked about before you get the savings.

  • Bundle and Save – If you insure your home and vehicles with one insurance company you may earn up to 20% off your total premium.
  • Auto/Life Discount – Some companies give lower rates if you buy life insurance.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Low Mileage Discounts – Keeping the miles down on your Hyundai could qualify for lower rates on the low mileage vehicles.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for reduced rates for Genesis Coupe insurance.
  • Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Genesis Coupe insurance than drivers with accidents.

It’s important to note that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will bring down your premiums.

Companies that possibly offer some of the above discounts include:

  • State Farm
  • Liberty Mutual
  • The Hartford
  • MetLife
  • Progressive

Double check with every prospective company which discounts they offer. Discounts may not apply everywhere.

What is the best insurance coverage?

When choosing the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help highlight if you may require specific advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my insurance cover my expensive audio equipment?
  • Is my custom paint covered by insurance?
  • Do I need rental car coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Are rock chip repairs covered?
  • When would I need additional glass coverage?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Learn about insurance coverages for a Hyundai Genesis Coupe

Knowing the specifics of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a deer, hail damage and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like doctor visits, chiropractic care and funeral costs. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability insurance

Liability coverage can cover damage or injury you incur to other people or property that is your fault. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical services, emergency aid and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, driving through your garage door, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Hyundai Genesis Coupe.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

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