Save on 2014 Hyundai Veloster Car Insurance Quotes

Searching for lower car insurance rates for your Hyundai Veloster? Locating low-cost insurance for a new or used Hyundai Veloster can turn out to be an all-consuming task, but you can follow our car insurance buying tips and make it easy.

There is a right way and a wrong way to shop for car insurance so you’re going to learn the best way to compare rates for your Hyundai and locate the lowest price.

It’s a good idea to get comparison quotes before your policy renews since prices trend upward over time. Even if you got the best rates on Veloster insurance on your last policy you can probably find a better rate quote now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the proper way to lower your rates without sacrificing coverage.

If you have a current car insurance policy or are just looking to switch companies, you can follow these tips to shop for the lowest rates and still get good coverage. Pricing cheaper car insurance is easy if you know what you’re doing. Drivers only need to know the proper methods to shop for car insurance over the internet.

Get cheap insurance premiums by understanding these factors

Lots of things are considered when you quote your car insurance policy. Some factors are common sense such as your driving history, although some other factors are more obscure like where you live or your commute time.An important part of buying insurance is that you know a few of the rating criteria that help calculate your policy premiums. If you know what impacts premium levels, this allows you to make good choices that may reward you with lower premium levels.

The itemized list below are some of the most common factors companies use to determine rates.

  • lapses raise premiums – Driving your car without having proper coverage is against the law and your next policy will cost more because you let your insurance expire. Not only will you pay more, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Use credit responsibly and save – Having a bad credit score is likely to be a major factor in calculating your premium rate. Therefore, if your credit score could use some work, you could be paying less to insure your 2014 Hyundai Veloster if you improve your credit rating. Insureds that have very high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit scores.
  • Where you reside plays a part – Being located in less populated areas can be a good thing when talking about insurance. City drivers have to deal with more auto accidents and longer commutes to work. Less people living in that area corresponds to lower accident rates as well as less vandalism and auto theft.
  • Male premiums may be higher – Over the last 50 years, statistics have shown that females take fewer risks when driving. It does not mean women are better drivers. Females and males are responsible for auto accidents in similar numbers, but the males tend to have higher claims. Men also statistically get higher numbers of serious violations like DUI and reckless driving.
  • Deter theft and pay less – Choosing to buy a car with anti-theft technology or alarm system can earn a premium discount. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft.
  • Frequent claims will increase rates – Insurance companies generally give discounts to people who only file infrequent claims. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Auto insurance is designed for major claims that would cause financial hardship.
  • Being married can lower prices – Having a spouse may save some money when buying insurance. Having a spouse usually means you are more mature and responsible it has been statistically shown that being married results in fewer claims.
  • Safer vehicles means better insurance rates – Safe vehicles tend to have lower insurance rates. Highly rated vehicles have better occupant injury protection and reduced instances of injuries translates into savings for insurance companies passed on to you as lower rates.

How to lower your car insurance cost

The majority of larger companies give pricing direct online. Comparing prices online can be done by anyone as you simply type in the amount of coverage you want into the form. Once entered, the quote system sends out for reports for credit and driving violations and gives you a price quote based on the data you entered.

This makes it easy to compare insurance prices but the work required to visit several different sites and type in the same data is a waste of time. But it’s absolutely necessary to do this if you want to find better car insurance pricing.

There is an easier way to compare rates

The easiest way to find lower prices uses one form that obtains quotes from more than one company. It saves time, eliminates form submissions, and makes online price comparison much simpler. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any one of the price quotes you receive.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. It takes less than 15 minutes and may result in a nice savings.

If you want to get comparison pricing now, click here to open in a new tab and fill out the form. To compare your current rates, we recommend that you enter coverages and limits identical to your current policy. This guarantees you will have a price comparison based on identical coverages.

Get lower-cost rates by taking advantage of discounts

Auto insurance companies don’t necessarily list all available discounts very well, so the following list contains a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy auto insurance online.

  • Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off on Veloster insurance depending on your insurance provider.
  • Telematics Data Discounts – Policyholders that allow their insurance company to track vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they have good driving habits.
  • Accident Forgiveness – but certain companies will let one accident slide without the usual rate increase so long as you are claim-free for a set time period.
  • Air Bags and Passive Restraints – Options like air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Multiple Vehicles – Having multiple cars with the same company can get a discount for every vehicle.
  • Bundle and Save – When you combine your auto and homeowners insurance and place coverage with the same company you could get a discount of as much as 10 to 15 percent.
  • E-sign Discounts</strong – A few larger online companies will provide an incentive for completing your application online.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.

One thing to note about discounts is that most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few of the larger companies and the discounts they provide are detailed below.

  • 21st Century offers discounts including defensive driver, anti-lock brakes, theft prevention, automatic seat belts, early bird, and student driver.
  • Progressive may offer discounts for online signing, multi-policy, multi-vehicle, homeowner, and continuous coverage.
  • State Farm has discounts for Drive Safe & Save, student away at school, defensive driving training, multiple autos, safe vehicle, multiple policy, and anti-theft.
  • Nationwide may include discounts for multi-policy, Farm Bureau membership, defensive driving, easy pay, accident-free, and anti-theft.
  • Esurance may have discounts that include DriveSense, Switch & Save, safety device, homeowner, Pac-12 alumni, and claim free.
  • The Hartford discounts include defensive driver, air bag, vehicle fuel type, bundle, and anti-theft.

Before purchasing a policy, check with every insurance company how you can save money. Some of the earlier mentioned discounts might not be offered in your area. For a list of providers who offer free insurance quotes, follow this link.

How much auto insurance do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

For example, these questions can help discover if your insurance needs could use an agent’s help.

  • Does my car insurance cover rental cars?
  • What is high-risk coverage and where do I buy it?
  • Can I rate high risk drivers on liability-only vehicles?
  • How can I get high-risk coverage after a DUI?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I sign the liability waiver when renting a car?
  • Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Insurance specifics

Knowing the specifics of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from flooding, hitting a bird and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are set the same as your liablity limits.

Liability coverages – Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as court costs, medical expenses, emergency aid, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for expenses for things like nursing services, hospital visits, rehabilitation expenses and dental work. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, rolling your car, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

More quotes. Lower rates.

Insureds switch companies for any number of reasons including high prices, poor customer service, delays in responding to claim requests or even not issuing a premium refund. It doesn’t matter why you want to switch switching companies is less work than it seems.

Low-cost 2014 Hyundai Veloster insurance is available online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and usually these regional carriers work with independent insurance agents.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, an insured cut liability coverage limits only to discover later that the savings was not a smart move. Your strategy should be to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

Additional information can be read at these links:

Comments About 2014 Hyundai Veloster Insurance

  1. Maximina Burris

    From south side of Fairbanks, Alaska. Received prices from Allstate, American Family, Encompass, and Liberty Mutual for my Veloster and saved about $380 a year.

  2. Ligia Stein

    I think I’m paying too much. Checking in from Las Cruces, NM. Received rates from 21st Century, Auto-Owners, Encompass, and The General for my Veloster and saved just over $90 a year.

  3. Gloria Harmon

    Cheaper car insurance is a myth. I live in Tucson, AZ. Went online for free insurance quotes for a 2014 Hyundai Veloster. Ended up at about $580 savings annually. Went with Allstate. Insured with 21st Century before. Ask about discounts. I recommend comparing lots of rates.