How Much Does 2013 Hyundai Equus Car Insurance Cost?

Looking for the cheapest auto insurance rates for your Hyundai Equus? Are you at wits end from sacrificing to pay auto insurance each month? You are in the same boat as most other consumers. Big-name insurance companies like State Farm, Allstate, Geico and Progressive continually bombard you with catchy ads and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

If you have a current car insurance policy or need new coverage, you can use these tips to cut your premiums while maintaining coverages. Finding affordable coverage is quite easy. Drivers just need to know the most efficient way to get comparison rates on the web.

Finding auto insurance

Effectively comparing auto insurance prices can take hours if you don’t understand the most efficient way to do it. You could spend your day driving to insurance agencies in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Many companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each participating company then returns a price quote based on that data. This eliminates the need for quotation requests for each company you want a rate for. To compare rates now click here to open in new window.

The one downside to comparing rates this way is you can’t choose the providers you want pricing from. If you would rather choose specific insurance companies for rate comparison, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

The approach you take is up to you, just ensure you’re using equivalent deductibles and coverage limits with every price quote. If you have higher or lower deductibles it’s impossible to determine the best price for your Hyundai Equus.

Car insurance advertisements

Consumers constantly see and hear ads that promise big savings for switching by companies like Allstate and Progressive. They all tend to make the same promise about savings if you just switch to their company.

How is it possible that every company can charge less that you’re paying now? It’s all in how they say it.

Many companies have specific guidelines for the type of driver that is profitable for them. An example of a driver they prefer should be between the ages of 30 and 50, owns a home, and has a short commute. Any driver who matches that profile will probably get cheap premium rates and will probably save when they switch companies.

Insureds who may not quite match the ideal profile may be forced to pay a higher premium and this can result in the customer buying from a different company. If you listen closely, the ads state “drivers who switch” not “everyone who quotes” save that much. That is how insurance companies can make it sound like they have such great auto insurance rates. Because of this risk profiling, you really should do a price quote comparison at every renewal. Because you never know which car insurance company will give you the biggest savings.

Insurance price influencing factors

The best way to find cheaper insurance coverage is to take a look at some of the elements that aid in calculating the price you pay for insurance coverage. If you have a feel for what impacts premium levels, this enables you to make decisions that may reward you with lower insurance coverage prices. Multiple criteria are considered when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but other criteria are less apparent such as your credit history or how safe your car is.

• Expect high rates for teens – Youthful drivers are proven to be less responsible when driving with friends so insurance coverage rates are higher. Having to add a young driver onto your insurance coverage can cause a big jump in price. More experienced drivers are more cautious drivers, tend to cause fewer accidents , and are generally more financially stable.
• Accidents inflate prices – Getting just one moving violation may increase your cost twenty percent or more. Attentive drivers pay less for auto insurance than bad drivers. Drivers with license-revoking tickets like DUI or willful reckless driving may need to file a SR-22 with their state DMV in order to keep their license.
• A good credit rating can save money – An insured’s credit history can be an important factor in determining your rates. If your credit score can use some improvement, you may save money insuring your 2013 Hyundai Equus if you improve your credit rating. People with high credit ratings tend to be more responsible and file fewer claims than drivers with lower ratings.
• Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. Vehicles built for safety protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders.
• Lower rates for married couples – Having a significant other may save some money compared to being single. It means you’re less irresponsible it has been statistically shown that being married results in fewer claims.
• Which gender costs less? – Statistics show women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Women and men tend to get into accidents in similar percentages, but the male of the species have accidents that have higher claims. Men also tend to get more serious tickets such as reckless driving. Males from age 16 to 21 have the highest risk to insure and are penalized with high insurance coverage rates.
• Drive fewer miles and save – Driving a lot of miles in a year’s time the more you’ll pay to insure your vehicle. A lot of companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars that have low annual miles receive lower rates than those used for commuting. It’s a smart idea to ensure your vehicle rating is showing annual mileage. An incorrectly rated Equus is throwing money out the window.

Affordable insurance coverage rates with discounts

Insurance coverage is not cheap nor is it fun to buy but you may qualify for discounts that many people don’t even know exist. Some discounts will apply when you complete an application, but less common discounts must be asked for prior to getting the savings.

• Renewal Discounts – A few insurance companies offer discounts for buying a policy early. This can save 10% or more.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to fasten their seat belts could save 15% on the medical payments or PIP coverage costs.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
• Professional Organizations – Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates on your next renewal.
• Driver Safety – Passing a defensive driver course could earn you a small percentage discount if your company offers it.
• Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of more than 20%.
• Pay Early and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you may reduce your total bill.

Please keep in mind that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. Even though it may seem like you could get a free insurance coverage policy, that’s just not realistic. Any amount of discount will lower your insurance coverage premiums.

A list of insurance coverage companies and some of the discounts are outlined below.

• Progressive may have discounts that include online signing, homeowner, online quote discount, multi-vehicle, and good student.
• AAA discounts include anti-theft, multi-car, education and occupation, good student, multi-policy, AAA membership discount, and good driver.
• Farmers Insurance may include discounts for distant student, teen driver, bundle discounts, early shopping, and business and professional.
• Geico offers discounts including seat belt use, anti-theft, daytime running lights, air bags, defensive driver, and five-year accident-free.
• Esurance has discounts for Switch & Save, good student, renters, multi-policy, emergency road assistance, homeowner, and defensive driver.
• SAFECO offers premium reductions for teen safety rewards, bundle discounts, multi-car, homeowner, drive less, and teen safe driver.
• State Farm includes discounts for anti-theft, good student, safe vehicle, multiple policy, driver’s education, Drive Safe & Save, and passive restraint.

Before purchasing a policy, check with every prospective company what discounts are available to you. A few discounts may not be available in your area. If you would like to see a list of providers that provide some of the discounts listed above, click this link.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different so this has to be addressed. These are some specific questions can aid in determining if your insurance needs might need professional guidance.

• Is my dog or cat covered if injured in an accident?
• When do I need to add a new car to my policy?
• Will I lose any money if I cancel my policy before it expires?
• How does medical payments coverage work?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I need to file an SR-22 for a DUI in my state?
• Does insurance cover damages from a DUI accident?
• How do I insure my teen driver?
• Can I get a multi-policy discount?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Car insurance coverages 101

Understanding the coverages of your policy helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most car insurance policies.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from 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 claims like damage from getting keyed, theft and falling objects. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, damaging your car on a curb, hitting a parking meter, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for immediate expenses for nursing services, EMT expenses, X-ray expenses, funeral costs and ambulance fees. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability coverage – Liability coverage can cover damage that occurs to other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like legal defense fees, court costs, attorney fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Hyundai Equus.

Due to the fact that many 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.

Shop Smart and Save

In this article, we presented some good ideas how you can compare 2013 Hyundai Equus insurance rates online. It’s most important to understand that the more companies you get auto insurance rates for, the better likelihood of getting inexpensive auto insurance. You may even discover the best rates are with a small local company. Regional companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as Allstate, Geico and Progressive.

Budget-friendly car insurance can be bought from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers don’t offer rates over the internet and many times these small, regional companies only sell coverage through local independent agents.

Additional detailed information can be read by following these links:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• What is Full Coverage? (Allstate)
• Safety Belts FAQ (iihs.org)
• What is a Telematics Device? (Allstate)