Compare 2014 Hyundai Genesis Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 14, 2024

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Trying to find lower auto insurance rates for your Hyundai Genesis? When trying to find lower-cost insurance, are you frustrated by the dozens of auto insurance companies in your area? You’re not alone. You have such a vast assortment of companies available that it can be a real hassle to find better auto insurance rates.

You need to shop coverage around before your next renewal because insurance prices are variable and change quite frequently. If you had the best rates for Genesis coverage a few years ago you may be paying too much now. Ignore everything you know about auto insurance because you’re going to get a crash course in the quickest way to find lower rates on auto insurance.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these tips. The purpose of this article is to introduce you to the most effective way to quote insurance and some tricks to saving. But consumers can benefit from knowing the methods companies use to determine prices and use this information to your advantage.

How to buy car insurance online

Most larger insurance companies such as Progressive, GEICO, Allstate and State Farm make it easy to get prices direct online. Getting online rates can be done by anyone as all you need to do is type in your required coverages as detailed in the form. Behind the scenes, the company’s rating system collects your driving and credit reports and generates a price based on the data you entered.

Online price estimates streamlines rate comparisons, but the work required to visit many different websites and fill out multiple forms is a big time waster. But it’s absolutely necessary to compare as many rates as possible if you want to get the lowest possible prices on car insurance.

The preferred way to compare car insurance pricing uses just one form that analyzes rates from several companies at one time. The form is fast, eliminates repetitive work, and makes online shopping much easier to do. Immediately after you send the form, it is quoted and you are able to buy any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. This process just takes a couple of minutes and could lower your rates considerably.

If you want to compare rates using this form now, simply enter your zip code here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you duplicate coverages and limits exactly as shown on your declarations page. Using the same limits helps guarantee you will have comparison quotes for the exact same coverage.

Cheaper rates by taking advantage of discounts

Some insurers don’t always advertise every discount they offer very clearly, so the following is a list of some of the best known in addition to some of the lesser obvious discounts that may be available. If you’re not getting every credit available, you could be getting lower rates.

  • Federal Employees – Simply working for the federal government can save as much as 8% for Genesis coverage with a few insurance companies.
  • Renewal Discounts – Some insurance companies reward drivers for renewing your policy early. You can save around 10% with this discount.
  • Savings for New Vehicles – Insuring a new car is cheaper since newer vehicles are generally safer.
  • Good Driver Discounts – Accident-free drivers can save as much as half off their rates for Genesis coverage than drivers with accident claims.
  • Pay Early and Save – If you can afford to pay the entire bill instead of paying each month you can actually save on your bill.
  • ABS Brakes – Anti-lock brake equipped vehicles prevent accidents and the ABS can save up to 10%.
  • Claim Free – Good drivers with no accidents have much lower rates compared to drivers with a long claim history.
  • Defensive Driver Discounts – Participating in a defensive driver course could cut 5% off your bill if you qualify.

As a sidenote, most of the big mark downs will not be given to the whole policy. Some only reduce specific coverage prices like medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, insurance companies aren’t that generous.

A list of insurance companies and their offered discounts are included below.

  • Progressive has discounts for continuous coverage, good student, online quote discount, homeowner, online signing, and multi-vehicle.
  • GEICO offers discounts including membership and employees, anti-lock brakes, multi-policy, multi-vehicle, five-year accident-free, and emergency military deployment.
  • State Farm offers premium reductions for driver’s education, good driver, accident-free, Steer Clear safe driver discount, anti-theft, and student away at school.
  • Esurance may include discounts for online shopper, defensive driver, Switch & Save, good student, multi-policy, and Pac-12 alumni.
  • The Hartford policyholders can earn discounts including bundle, vehicle fuel type, driver training, air bag, defensive driver, good student, and anti-theft.

Double check with every prospective company which credits you are entitled to. Depending on the company, some discounts may not apply to policies in your state. To see insurance companies with discount insurance rates, enter your zip code here.

How much car insurance do I need?

When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Am I covered by my spouse’s policy after a separation?
  • Does my 2014 Hyundai Genesis qualify for pleasure use?
  • Am I covered if hit by an uninsured driver?
  • I have health insurance so do I need medical payments coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my Hyundai Genesis covered if I use it for business?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete your zip code.

How do insurance providers determine Hyundai Genesis insurance premiums?

Lots of factors are taken into consideration when you get a price on insurance. Some are pretty understandable like an MVR report, but other criteria are not quite as obvious such as your marital status or how financially stable you are. The best way to find cheaper auto insurance is to take a look at some of the factors that come into play when calculating your auto insurance rates. When consumers understand what determines base rates, this allows you to make educated decisions that may reward you with big savings.

  • Never have coverage lapses – Driving any period of time without insurance can get your license suspended and as a result your rates will increase for letting your insurance coverage expire. In addition to paying higher premiums, getting caught without coverage may result in fines or a revoked license. You may need to file a SR-22 with your state DMV.
  • Low credit rating equals high premiums – A driver’s credit score is a big factor in determining your rates. Insureds that have good credit tend to be less risk to insure than those with poor credit. Therefore, if your credit history can be improved, you may save money insuring your 2014 Hyundai Genesis by improving your rating.
  • Prevent theft and save – Choosing a vehicle with an alarm system can save you some money. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent your car from being stolen.
  • Safety first – Safer cars tend to have lower insurance rates. Safer cars have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims which can mean better rates for you.
  • Physical damage deductibles – Physical damage protection, aka comp and collision, covers damage that occurs to your Hyundai. Some instances where coverage would apply are a broken side mirror, hitting a deer, and windstorm damage. The deductibles you choose state the amount of money you are willing to pay before your auto insurance pays a claim. The larger the amount the insured is willing to pay, the less money you will pay for auto insurance for Genesis coverage.
  • Don’t get traffic citations – A bad driving record impacts premiums far more than you think. Having just one chargeable violation could increase your next policy renewal forty percent or more. Drivers with clean records pay lower auto insurance prices compared to drivers with tickets. Drivers who have gotten flagrant violations such as reckless driving or DUI might be required by their state to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
  • Liability risk factors in – Liability coverage will afford coverage when you are ruled to be at fault for damages caused by your negligence. Liability insurance provides you with a defense in court starting from day one. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so buy as much as you can afford.

Insurance coverage considerations

Having a good grasp of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like dental work, chiropractic care, surgery and funeral costs. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Hyundai Genesis.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for collisions

Collision insurance will pay to fix damage to your Genesis resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, rolling your car, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

This will cover damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $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 can pay for things such as medical expenses, structural damage, funeral expenses and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, damage from a tornado or hurricane and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

A penny earned…

Consumers leave their current company for many reasons like high prices, denial of a claim, being labeled a high risk driver or extreme rates for teen drivers. It doesn’t matter why you want to switch switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

Budget-conscious 2014 Hyundai Genesis insurance can be sourced on the web and also from your neighborhood agents, so you need to quote insurance with both to get a complete price analysis. Some insurance companies may not provide online quoting and usually these small insurance companies only sell coverage through independent insurance agencies.

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. In many cases, an accident victim reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at the best possible price while not skimping on critical coverages.

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