2021 Hyundai Kona Insurance Rates 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 26, 2024

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Frustrated by the sheer number of insurance providers? You have so many providers to choose from that it can turn into a ton of work to compare prices.

If you currently have car insurance, you should be able to save some money using these techniques. This article will let you in on how to effectively get price quotes and some tricks to saving. But consumers benefit from understanding the way companies market on the web because it can help you find the best coverage.

Buy insurance coverage online

There are multiple methods you can shop for insurance coverage but there is one way that is less time-consuming than others. You could waste a few hours driving to local insurance agents in your area, or you could use online quotes to get pricing more quickly.

Many companies belong to an insurance system that allows shoppers to only type in their quote data once, and at least one company then gives them pricing based on the submitted data. This prevents consumers from doing quote forms for every insurance coverage company.

To submit your quote information now, enter your zip code here.

The only drawback to doing it this way is that consumers can’t choose the insurers you want pricing from. So if you prefer to pick specific insurance companies to compare, we have a page of companies who write insurance coverage in your area. Click to enter zip code.

It’s up to you which method you use, but double check that you are using nearly identical quote data for every quote you compare. If each company quotes differing limits you will not be able to get a fair rate comparison. Even a minor difference in coverages may result in a large different in cost. Keep in mind that more quotes gives you a better chance of getting the best price.

Lower insurance rates with these tips

Many things are used when premium rates are determined. Some factors are common sense such as your driving record, but other criteria are more obscure such as your credit history or your commute time. Part of the insurance buying process is learning some of the elements that help determine your insurance rates. When you understand what impacts premium levels, this allows you to make educated decisions that will entitle you to lower rates.

The items below are a few of the “ingredients” companies use to determine your rate level.

  • Rural areas have lower prices – Living in areas with lower population can be a good thing if you are looking for the lowest rates. Fewer drivers and short commutes translates into fewer accident claims. City drivers have to deal with more road rage incidents and much longer commute distances. More time commuting means more chances of being involved in an auto accident.
  • Poor driving means higher rates – Careful drivers get better prices compared to drivers with tickets. Getting just one driving citation may cause rates to rise to the point where it’s not affordable. Drivers who have careless violations like DUI, reckless driving or excessive speeding may face state-mandated requirements to maintain a SR-22 with their state DMV in order to prevent their license from being revoked.
  • Filing insurance claims can cost more – If you tend to file frequent claims, you can expect higher rates. Insurance companies award the best rates to insureds who do not rely on their insurance for small claims. Your car insurance is designed for the large, substantial claims.
  • Liability limits are a factor – Your policy’s liability coverage will afford coverage when you are responsible for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Use credit responsibly and save – Credit rating is likely to be a major factor in determining your rates. So if your credit is lower than you’d like, you may save money insuring your 2021 Hyundai Kona if you improve your credit rating. Consumers who have very high credit ratings tend to be better drivers and file fewer claims than those with worse credit.
  • Consider raising physical damage deductibles – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Hyundai. Examples of covered claims are a broken side mirror, vandalism, and having your car stolen. Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more money the insured has to pay upfront, the better rate you will receive for Kona insurance.

Insurance Coverage Discounts

Some providers don’t always publicize all their discounts in a way that’s easy to find, so we break down a few of the more well known and also the lesser-known discounts you could be receiving when you buy insurance coverage online.

  • Discounts for Federal Employees – Having worked for a branch of the government may reduce rates when you quote insurance coverage for Kona insurance with certain companies.
  • Theft Deterrent – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance coverage quote.
  • Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save 10% or more off the personal injury premium cost.
  • Anti-lock Brakes – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and earn discounts up to 10%.
  • Onboard Data Collection – Drivers that enable companies to look at driving manner through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
  • 55 and Retired – Mature drivers could receive a small discount on rates for Kona insurance.
  • Drivers Education – Teen drivers should successfully complete driver’s ed class as it can save substantially.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. Any amount of discount should help reduce your insurance coverage premiums.

A list of companies and some of their more popular discounts can be found below.

  • GEICO offers discounts for daytime running lights, anti-lock brakes, membership and employees, seat belt use, and emergency military deployment.
  • MetLife includes discounts for defensive driver, good driver, multi-policy, good student, accident-free, and claim-free.
  • State Farm has discounts for multiple autos, anti-theft, student away at school, defensive driving training, multiple policy, Drive Safe & Save, and passive restraint.
  • Progressive may have discounts that include homeowner, multi-policy, multi-vehicle, online signing, continuous coverage, good student, and online quote discount.
  • Mercury Insurance discounts include low natural disaster claims, good student, ease of repair, multi-car, location of vehicle, anti-theft, and type of vehicle.
  • 21st Century may offer discounts for good student, air bags, homeowners, teen driver, defensive driver, student driver, and automatic seat belts.
  • Allstate policyholders can earn discounts including passive restraint, defensive driver, 55 and retired, safe driver, and eSmart discount.

Before purchasing a policy, check with each insurance company which discounts they offer. Some of the earlier mentioned discounts might not apply in your area. If you would like to choose from a list of insurance coverage companies that offer the discounts shown above, enter your zip code here.

Tailor your insurance coverage to you

When buying coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

These are some specific questions could help you determine if your situation could use an agent’s help.

  • Am I covered when driving someone else’s vehicle?
  • What is PIP insurance?
  • Does my 2021 Hyundai Kona need full coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Is upholstery damage covered by car insurance?
  • Which is better, split liability limits or combined limits?
  • Who is covered when they drive my 2021 Hyundai Kona?
  • Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, complete your zip code.

Auto insurance coverages

Learning about specific coverages of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Hyundai Kona.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as dental work, pain medications, chiropractic care and hospital visits. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, rolling your car and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage

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

Comprehensive coverage pays for claims such as falling objects, hitting a deer and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability

This coverage provides protection from damage that occurs to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as medical services, medical expenses, pain and suffering, legal defense fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Find Good Coverage for Less

As you quote insurance coverage, never reduce coverage to reduce premium. There have been many cases where drivers have reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the best cost, but do not skimp to save money.

We’ve covered many tips how you can compare 2021 Hyundai Kona insurance rates online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost insurance coverage. You may even find the most savings is with an unexpected company.

People who switch companies do it for many reasons like extreme rates for teen drivers, being labeled a high risk driver, delays in paying claims and even poor customer service. Regardless of your reason, finding a new insurance coverage company is easier than you think.

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