1993 Hyundai Scoupe Insurance Quotes

Being forced to pay for pricey car insurance premiums can bleed your savings account and maybe even restrict other spending. Companies like Geico, 21st Century and Progressive all promote huge savings with ads and it is difficult to see past the corporate glitz and find the best price available.

If you have a policy now or need a new policy, you can use these tips to get lower rates and possibly find even better coverage. Buying car insurance is not that difficult. Drivers only need an understanding of how to find the lowest price online.

Learn how to get auto insurance more affordably

Lots of things are part of the calculation when pricing auto insurance. Most are fairly basic such as your driving record, but other factors are more obscure like your vehicle usage or your vehicle rating.Part of the auto insurance buying process is learning a few of the rating criteria that aid in calculating your premiums. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that can help you get better auto insurance rates.

• Auto insurance rates and your occupation – Occupations such as military personnelairline pilots and miners tend to have higher average rates attributed to high stress levels and long work days. Other careers like professors, historians and homemakers get better rates on Scoupe insurance.
• How’s your driving record? – Whether or not you get tickets can have a huge impact on auto insurance premiums. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Only having one speeding ticket can increase the cost of insurance to the point where it’s not affordable. Drivers who have gotten careless violations such as reckless driving, hit and run or driving under the influence are required to complete a SR-22 with the DMV in their state in order to drive a vehicle legally.
• Which gender costs less? – Statistics show that females tend to be a little less risky than males. However, this does not mean females are better drivers. Females and males cause fender benders in similar numbers, but the males have accidents that have higher claims. Not only that, but men also have more aggressive citations like DWI (DUI) or reckless driving. Youthful male drivers cause the most accidents and therefore pay the highest rates.
• Premiums are lower the older you get – Youthful drivers are known to be inattentive when at the wheel of a vehicle therefore auto insurance rates are much higher. If you’ve ever had to add a first-time driver to your auto insurance policy can really hurt. Older drivers are more cautious drivers, tend to file fewer claims and get fewer tickets.
• Lower rates for married couples – Getting married can actually save you money on your policy. Having a significant other means you’re more responsible and it’s statistically proven that married drivers tend to file fewer claims.
• Keep auto insurance rates low by being claim-free – If you file a lot of claims you can definitely plan on much higher rates or policy non-renewal. Companies provide cheaper rates to people who do not file claims often. Your insurance policy is designed for major claims that would cause financial hardship.
• Know your credit rating – A driver’s credit rating can be a huge factor in calculating your premium rate. If your credit history is low, you may save money insuring your 1993 Hyundai Scoupe if you improve your credit rating. Drivers who have high credit ratings tend to file fewer claims and have better driving records than drivers with worse credit.

Lower rates by qualifying for discounts

Some companies don’t always advertise all their discounts very clearly, so here is a list a few of the more common as well as some of the hidden discounts you could be receiving when you buy insurance coverage online.

• Switch and Save Discount – Some companies give discounts for switching policies early. You may see this discount when you get insurance coverage quotes online.
• Bundled Policy Discount – If you can combine your auto and home policy and place coverage with the same company you may earn as much as 10 to 15 percent.
• Theft Deterent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Good Student Discount – Performing well in school may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you up until you turn 25.
• Low Mileage – Low mileage vehicles may enable drivers to earn lower auto insurancerates due to less chance of an accident.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course as it will make them better drivers and lower rates.
• Drive Safe and Save – Safe drivers may receive a discount up to 45% on Scoupe insurance than drivers with accidents.
• New Vehicle Savings – Buying insurance coverage on a new vehicle can save up to 30% because newer vehicles keep occupants safer.

Don’t be surprised that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Companies and some of the premium reductions they offer are included below.

• State Farm offers discounts for good driver, good student, accident-free, student away at school, defensive driving training, anti-theft, and multiple autos.
• Nationwide may include discounts for multi-policy, Farm Bureau membership, anti-theft, good student, easy pay, defensive driving, and accident-free.
• Geico policyholders can earn discounts including emergency military deployment, daytime running lights, five-year accident-free, air bags, seat belt use, defensive driver, and federal employee.
• AAA has savings for multi-car, multi-policy, AAA membership discount, good student, anti-theft, good driver, and education and occupation.
• 21st Century has discounts for 55 and older, student driver, automatic seat belts, driver training, early bird, homeowners, and air bags.
• The Hartford may offer discounts for bundle, air bag, anti-theft, good student, vehicle fuel type, defensive driver, and driver training.

It’s a good idea to ask all the companies what discounts are available to you. A few discounts might not be available to policyholders in your area. If you would like to view companies who offer free auto insurance quotes, follow this link.

Insurance is unique, just like you

When buying coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different so your insurance needs to address that. For example, these questions might point out if your insurance needs would benefit from professional advice.

• Is a new car covered when I drive it off the dealer lot?
• What if I owe more than I can insure my car for?
• Is motorclub coverage worth it?
• How much liability do I need to cover my assets?
• If I drive on a suspended license am I covered?
• Which is better, split liability limits or combined limits?
• What is PIP insurance?
• Should I carry comprehensive and collision coverage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

The coverage is in the details

Knowing the specifics of your insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Collision coverage protection

Collision coverage will pay to fix damage to your Scoupe resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, crashing into a building, rolling your car, colliding with a tree and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like ambulance fees, rehabilitation expenses, funeral costs and EMT expenses. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Hyundai Scoupe.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, hitting a deer, damage from getting keyed, falling objects and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

Liability coverage will cover damage that occurs to people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like medical services, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Shop. Compare. Save.

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. In many cases, someone dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at the best possible price while still protecting your assets.

Cheaper 1993 Hyundai Scoupe insurance is available from both online companies and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not have rates over the internet and these small insurance companies prefer to sell through independent agencies.

More resources

• Older Driver Statistics (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Comprehensive Coverage (Liberty Mutual)
• Choosing an Insurance Company (Insurance Information Insitute)