How Much Does 2018 Hyundai Kona Insurance Cost?

Looking for the cheapest insurance rates for your Hyundai Kona? Saving money on insurance may be difficult for drivers who have little experience online rate comparisons. With dozens of insurers available, it can easily turn into a challenge to find cheaper rates.

How much is insurance?

Shopping for lower insurance rates can be a daunting task if you aren’t aware of the easiest way. You can waste hours talking to agents in your area, or you could save time and use online quoting to achieve your goal.

Many of the larger companies participate in a marketplace where prospective buyers enter their coverage request one time, and each company can give them a price based on that data. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To use this form to compare rates click here (opens in new window).

The one downside to pricing coverage this way is you cannot specify which companies you will receive quotes from. So if you prefer to choose individual companies to compare, we have assembled a list of low cost insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just make absolute certain that you use equivalent coverage limits and deductibles with each company. If you enter mixed coverages you will not be able to truly determine the lowest rate. Slightly different limits may result in large price differences. Just keep in mind that comparing all the rates in your area provides better odds of finding a lower rate. Not every company provides prices over the internet, so it’s recommended that you also compare prices from the smaller companies as well.

Use discounts on insurance coverage

Not too many consumers would say insurance coverage is affordable, but companies offer discounts that could help you make your next renewal payment. Certain discounts will be applied when you quote, but a few must be inquired about before being credited.

  • Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Early Renewal Discounts – Select larger companies give a discount for buying a policy prior to the expiration date on your current policy. You may see this discount when you get car insurance quotes online.
  • E-sign – A few companies will give you a small discount for buying your policy on the web.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower rates.
  • Waiver for an Accident – This one is not really a discount per se, but some insurance companies will turn a blind eye to one accident before they charge you more for coverage so long as you are claim-free for a set time period.

Policy discounts save money, but most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

A few of the larger companies and some of their more popular discounts can be read below.

  • Progressive policyholders can earn discounts including online quote discount, multi-vehicle, continuous coverage, good student, and homeowner.
  • SAFECO discounts include homeowner, multi-car, accident prevention training, anti-lock brakes, drive less, and teen safe driver.
  • American Family includes discounts for accident-free, multi-vehicle, TimeAway discount, mySafetyValet, and good driver.
  • MetLife may have discounts that include claim-free, good driver, multi-policy, defensive driver, and accident-free.
  • GEICO may include discounts for good student, multi-policy, emergency military deployment, anti-theft, five-year accident-free, and air bags.
  • The Hartford may offer discounts for anti-theft, good student, driver training, bundle, air bag, defensive driver, and vehicle fuel type.

When getting a coverage quote, ask every prospective company what discounts are available to you. Discounts might not apply in every state. If you would like to choose from a list of providers who offer cheap insurance coverage quotes, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • Are split liability limits better than a combined single limit?
  • Is my dog or cat covered if injured in an accident?
  • Should I buy full coverage?
  • What can I do if my company denied a claim?
  • What discounts do I qualify for?
  • I have a DUI can I still get coverage?
  • If I drive on a suspended license am I covered?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I make deliveries for my home business?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Four tips to get more affordable insurance prices

Many things are considered when you quote your car insurance policy. Some are pretty understandable like your driving record, but other factors are not as apparent such as your credit history or your commute time.

The list below includes some of the most rate-impacting factors used by your company to calculate your rate level.

  • Qualify for multi-policy discounts – Most major insurers will give better rates to people that have more than one policy, otherwise known as a multi-policy discount. Even with this discount, you may still want to check prices from other companies to help ensure you have the lowest rates.
  • Traffic violations inflate costs – Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. Having a single chargable violation can increase the cost of insurance substantially. Drivers who have gotten severe citations like DWI, reckless driving or hit and run convictions may be required to complete a SR-22 with the DMV in their state in order to continue driving.
  • Amount of liability insurance – Your policy’s liability coverage will afford coverage if ever you are responsible for damages from an accident. It provides legal defense coverage to defend your case. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Annual mileage impacts prices – The more you drive each year the higher your rate. Almost all companies calculate prices based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your insurance coverage declarations sheet correctly shows how each vehicle is driven, because it can save money. Incorrect rating for your Kona can cost quite a bit.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants 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 damage to your 2018 Hyundai Kona.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like pain medications, surgery and funeral costs. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, theft and a broken windshield. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, colliding with another moving vehicle, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

This provides protection from damage or injury you incur to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like court costs, medical expenses, funeral expenses and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Don’t throw your cash in the trash

Consumers leave their current company for any number of reasons including policy non-renewal, not issuing a premium refund, being labeled a high risk driver and even questionable increases in premium. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.

Lower-priced insurance coverage is available online as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance coverage companies do not offer online rate quotes and usually these regional carriers prefer to sell through independent agents.

When you buy car insurance online, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

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