Lower Your 2018 Hyundai Kona Insurance Rates

Want the cheapest insurance rates for your Hyundai Kona? Tired of scraping the payment together to pay high insurance rates every month? You are in the same boat as most other drivers.

Popular companies such as Progressive, State Farm and GEICO promote their brand names with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and find the best price available.

Earn discounts on insurance

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that you may not even know about. Some discounts will apply when you quote, but some must be asked about before you get the savings.

  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Sign Online – A handful of insurance companies will give a small break shop insurance coverage online.
  • Switch and Save Discount – A few larger companies offer discounts for renewing your policy prior to your current policy expiration. It could save around 10% when you buy insurance coverage online.
  • Discounts for New Vehicles – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Good Grades Discount – Performing well in school may save as much as 25% on a insurance coverage quote. The discount lasts well after school through age 25.
  • ABS Braking Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.

Keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. Just because it seems like you can get free auto insurance, that’s just not realistic. Any amount of discount will reduce the amount you pay for coverage.

A list of companies and some of the premium reductions they offer are included below.

  • Progressive offers discounts for online quote discount, homeowner, continuous coverage, multi-policy, good student, and online signing.
  • SAFECO discounts include multi-car, teen safety rewards, anti-lock brakes, accident prevention training, and homeowner.
  • American Family offers discounts including early bird, multi-vehicle, mySafetyValet, Steer into Savings, and air bags.
  • MetLife has discounts for good student, claim-free, good driver, multi-policy, accident-free, and defensive driver.
  • GEICO may offer discounts for multi-policy, multi-vehicle, good student, seat belt use, driver training, and membership and employees.
  • The Hartford policyholders can earn discounts including driver training, vehicle fuel type, good student, defensive driver, bundle, and anti-theft.

If you are trying to find inexpensive insurance coverage quotes, ask every prospective company to give you their best rates. A few discounts may not apply to policies in your area. To locate providers with discount insurance rates, follow this link.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions can help discover whether you would benefit from an agent’s advice.

  • What is covered by UM/UIM coverage?
  • Can I still get insurance after a DUI?
  • Do I have coverage if my license is suspended?
  • Can I make deliveries for my home business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I waive the damage coverage when renting a car?
  • Does coverage extend to Mexico or Canada?
  • Should I have a commercial auto policy?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Advertising and car insurance

Big name companies like State Farm, Allstate and GEICO endlessly run ads in print and on television. They all seem to advertise the message about savings just by moving to them. How does every car insurance company lower your rates? Here is the trick they use.

Different companies have specific guidelines for the right customer that earns them the highest profit. For instance, this type of risk profile could be between the ages of 30 and 50, has a clean driving record, and drives a car with an anti-theft system. Any driver that meets those criteria will get the preferred rates and will save when switching.

Consumers who may not quite match the “perfect” profile will probably be forced to pay a more expensive rate and the prospect going elsewhere. If you pay attention, the ads say “customers that switch” but not “everyone who gets a quote” can save as much as they claim. This is how insurance companies can make it sound like they have such great rates. Because of this risk profiling, you really should compare free insurance coverage quotes often. It’s just not possible to know which insurance companies will have the lowest rates.

Car insurance coverage options for a 2018 Hyundai Kona

Learning about specific coverages of car insurance can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages found on the average car insurance policy.

Collision protection

Collision insurance will pay to fix damage to your Kona from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a parking meter, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as hospital visits, surgery, nursing services and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Hyundai Kona.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, hail damage and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability

Liability coverage protects you from damage that occurs to a person or their property in an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has 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 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things like court costs, bail bonds, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

One last thing

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, someone dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at an affordable rate while still protecting your assets.

Some insurance companies may not provide price quotes online and these smaller providers sell through independent agencies. Cost effective 2018 Hyundai Kona insurance can be bought from both online companies and from local agencies, so compare prices from both in order to have the best price selection to choose from.

Additional insurance information can be read below:

Comments About 2018 Hyundai Kona Insurance

  1. Cassandra Barrera

    I live just outside Providence, Rhode Island. Checked online prices for a 2018 Hyundai Kona. Ended up at about $470 savings annually. Went with Progressive. Insured with AAA before. I get multi-vehicle and multi-policy discounts. I got a quote from their website.

  2. Anja Cohen

    Hope my rates come down. I’m from New York City, NY. Not sure of all the companies but I ended up saving about $30 each month. Hopefully won’t need it.

  3. Quintin Ferrell

    Lifelong resident of Allentown, PA. I got free quotes from American Family, MetLife, and a few others for my Kona and cut my rates about $200 a year. Left Safeco to switch. Hopefully won’t need it.

  4. Priscilla Nicholson

    Any claims experience with Progressive in Baton Rouge, LA?

  5. Krystyna Ochoa

    From northwest of Columbia, SC. Got rates from 21st Century, Amica, and Eastwood for my 2018 Hyundai Kona and saved $492 a year. I quoted rates online then called them.

  6. Miyoko Torres

    Allstate quoted the best rates in Michigan.