How Much Does 2022 Hyundai Kona Insurance Cost in 2024?

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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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No sane person fancies paying their premiums for insurance, especially knowing the cost is too high. Vehicle owners have many insurance companies to pick from, and although it’s nice to have a selection, it can be more challenging to find the best rates for your vehicles.

You need to compare prices yearly since prices tend to go up over time. Despite the fact that you may have had the best rates on Kona coverage a few years ago a different company probably has better premium rates today. Forget all the misinformation about insurance because you’re going to learn the right way to find lower rates on insurance.

Finding affordable protection can be fairly easy. If you are insured now or are just looking to switch companies, you can use this information to reduce the price you pay while maintaining coverages. Consumers just need to know the best way to get comparison rates online.

How car insurance companies determine Hyundai Kona insurance costs

Many factors are used when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but other factors are more obscure like your continuous coverage or your financial responsibility. A large part of saving on auto insurance is knowing a few of the rating criteria that come into play when calculating auto insurance rates. If you have some idea of what determines premiums, this helps enable you to make changes that can earn you lower rates.

Shown below are some of the items companies use to determine your prices.

  • Certain occupations pay higher auto insurance rates – Careers like fire fighters, business owners and miners tend to have higher rates than the rest of us attributed to intense work-related stress and lots of time spent at work. Conversely, jobs such as farmers, students and homemakers generally pay rates lower than average on Kona coverage.
  • Long commutes cost more – The more you drive your Hyundai in a year the higher your rates will be. A lot of companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks left parked in the garage receive lower rates than vehicles that have high annual mileage. An incorrectly rated Kona can cost quite a bit. It’s a smart idea to ensure your declarations sheet is rated on the proper vehicle usage.
  • Don’t buy extra coverages that may not be needed – There are a ton of additional extra coverages you can purchase when buying auto insurance. Things like vanishing deductibles, death and dismemberment, and membership fees may not be needed and are just wasting money. They may sound like good ideas initially, but now you might not need them so get rid of them and save.
  • Age of drivers impacts premiums – Older drivers have been proven to be more responsible, cost insurance companies less in claims , and usually have better credit. Drivers with little experience are statistically shown to be easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher.

How to get affordable insurance coverage

Cutting your insurance coverage rates can be relatively painless. The only thing you need to do is invest a little time to compare rate quotes to find the company with cheaper auto insurance quotes. Price comparisons can be done in a couple of different ways.

One of the fastest ways to get the best comparison quotes is an all-inclusive rate comparison. This style of form keeps you from doing repetitive form entry for each company. A single form will return price quotes from insurance coverage companies with the best prices.

A different way to compare prices requires you to visit each company website to request a price quote. For example, we’ll assume you want to compare prices for GEICO, Liberty Mutual and State Farm. To find out each rate you need to go to each individual site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

The most difficult method of comparing rate quotes is calling or driving to and from local insurance agencies. The internet eliminates the need for an insurance agent unless you want the extra assistance that you can only get from talking to an agent. It is possible to obtain prices from the web and have a local agent actually service the policy.

How you compare quotes is your choice, just try to use equivalent coverages for each comparison quote. If you use different limits and deductibles on each one you will not be able to make an equal comparison.

Discounts for affordable insurance rates

Some insurers don’t always publicize every discount in a way that’s easy to find, so below is a list a few of the more well known and also the lesser-known credits available to bring down your rates.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and qualify for as much as a 10% discount.
  • Own a Home – Owning a home can save a few bucks since owning and maintaining a home demonstrates responsibility.
  • Active Service Discounts – Being deployed in the military can result in better insurance rates.
  • Data Collection Discounts – People who choose to allow companies to study when and where they use their vehicle through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they show good driving skills.
  • Early Payment Discounts – By making one initial payment rather than paying monthly you can avoid monthly service charges.

As a footnote on discounts, most of the big mark downs will not be given to the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, nobody gets a free ride.

To see a list of companies who offer discounts, enter your zip code here.

Tailor your insurance coverage to you

When choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might help in determining whether your personal situation would benefit from professional advice.

  • When would I need additional glass coverage?
  • Where can I find high-risk insurance?
  • Am I covered if I crash into my own garage door?
  • Am I covered if I break a side mirror?
  • Am I covered by my spouse’s policy after a separation?
  • Does having multiple vehicles earn me a discount?
  • What are the financial responsibility laws in my state?
  • Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete your zip code. It is quick, free and may give you better protection.

Insurance coverages 101

Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Comprehensive insurance – This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, hitting a deer and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, hitting a mailbox, hitting a parking meter, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto liability – This will cover damage that occurs to people or other property. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

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 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like attorney fees, emergency aid, bail bonds and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for bills for ambulance fees, prosthetic devices and chiropractic care. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

What is YOUR best insurance company?

Cheaper insurance is possible from both online companies as well as from independent agents, so you need to quote auto insurance with both to have the best chance of lowering rates. Some insurance providers may not offer rates over the internet and many times these regional carriers only sell through local independent agencies.

We just showed you quite a bit of information on how to get a better price on 2022 Hyundai Kona insurance. The key thing to remember is the more price quotes you have, the better likelihood of getting cheap auto insurance. You may be surprised to find that the best car insurance rates are with the least-expected company. Some small companies can often provide lower premium rates in certain areas compared to the large companies like State Farm, GEICO and Nationwide.

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