2020 Hyundai Kona Car Insurance Cost in 2024 – 5 Tricks for Cheapest Prices

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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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Searching for cheaper auto insurance rates for your Hyundai Kona? Consumers who are new to the process of buying insurance online might discover purchasing low cost insurance is harder than they anticipated.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Pricing more affordable coverage is easy if you know what you’re doing. But drivers must understand the way insurance companies price online insurance and take advantage of how the system works.

How to find affordable car insurance

To find the best car insurance prices, there are several ways of comparing rate quotes from many available car insurance companies in your state. The best method to find affordable Hyundai Kona insurance rates involves getting comparison quotes online. This can be done in several different ways.

  1. One of the fastest ways to find the lowest comparison rates is a comparison rater form. This easy form saves time by eliminating multiple quote forms for each company. A single, simple form compares rates instantly. Recommended for those who want to invest the least amount of time.
  2. A more difficult way to find lower rates consists of visiting the website for every company you want to compare and go through the quote process again. For examples sake, let’s say you want to compare prices for GEICO, Safeco and Allstate. In order to compare rates, you need to navigate to each company’s site to enter your coverage information, and that’s why the first method is more popular.
  3. If you have time to kill, the last way to find and compare rates is calling or driving to and from local insurance agencies. Doing it all online reduces the need to sit down with an agent unless you require the advice and guidance that only a licensed agent can provide. It is possible to price shop online but buy from a local insurance agent.

It’s your choice how you get your quotes, but ensure you are comparing equivalent coverages and limits on every quote you get. If you have different data it’s impossible to determine which rate is truly the best. Having just a slight variation in coverage limits may result in a large different in cost. And when quoting car insurance, remember that having more price comparisons gives you a better chance of getting lower pricing.

Insurance policy discounts you can’t miss

Insurance can be prohibitively expensive, but you might be missing out on some discounts that many people don’t even know exist. Some of these discounts will be visible at quote time, but some may not be applied and must be requested specifically prior to receiving the credit. If you are not receiving all the discounts available, you are not getting the best rate possible.

  • Discounts for New Vehicles – Buying a new car instead of a used car can save you some money because new model year vehicles have to meet stringent safety requirements.
  • Sign Online – A few larger companies give back up to $50 for buying a policy and signing up on the internet.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Kona coverage with certain companies.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save 10% or more off the PIP or medical payment premium.
  • Lower Rates for Military – Being on active deployment in the military may qualify for rate reductions.

One last thing about discounts, many deductions do not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though you would think you could get a free insurance policy, it just doesn’t work that way.

Popular insurance companies and the discounts they provide are outlined below.

  • Mercury Insurance may offer discounts for age of vehicle, type of vehicle, ease of repair, accident-free, annual mileage, and good student.
  • Farmers Insurance includes discounts for bundle discounts, early shopping, youthful driver, alternative fuel, and electronic funds transfer.
  • Farm Bureau offers discounts for youthful driver, 55 and retired, multi-vehicle, renewal discount, and multi-policy.
  • State Farm may include discounts for good driver, safe vehicle, passive restraint, Drive Safe & Save, Steer Clear safe driver discount, and driver’s education.
  • Allstate has savings for teenSMART discount, defensive driver, auto/life discount, new car, anti-lock brakes, multi-policy, and FullPay discount.
  • GEICO may have discounts that include air bags, seat belt use, daytime running lights, driver training, emergency military deployment, and military active duty.

Before purchasing a policy, check with all companies you are considering what discounts are available to you. Savings might not be available to policyholders in your area. If you would like to choose from a list of insurance companies offering insurance discounts, enter your zip code here.

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

  • What is the minimum liability in my state?
  • What are the financial responsibility laws in my state?
  • Which is better, split liability limits or combined limits?
  • Can I still get insurance after a DUI?
  • When should I buy a commercial auto policy?
  • Are my friends covered when driving my car?
  • Why am I required to buy liability insurance?
  • If my pet gets injured in an accident are they covered?
  • How do I buy GAP insurance?
  • Am I missing any policy discounts?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and enter your zip code.

Car insurance coverage information

Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.

Auto collision coverage

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

Collision can pay for things such as crashing into a building, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Liability coverages

Liability insurance protects you from damage or injury you incur to other people or property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as court costs, bail bonds and loss of income. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, a broken windshield, hitting a bird, damage from a tornado or hurricane and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other motorists when they 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 Kona.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as funeral costs, rehabilitation expenses, prosthetic devices, chiropractic care and nursing services. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

More comparisons equals lower rates

A few companies may not provide online rate quotes and these small, regional companies work with local independent agents. Cost effective 2020 Hyundai Kona insurance can be sourced both online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

We just presented many tips how you can save on 2020 Hyundai Kona insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier.

When trying to cut insurance costs, never buy less coverage just to save a little money. In many cases, an insured cut comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. The aim is to purchase plenty of coverage at a price you can afford.

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