Cheap Rates for Hyundai Genesis Insurance in San Antonio

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Purchasing low-cost San Antonio Hyundai Genesis insurance quotes over the internet may be difficult for people that are relatively new to buying insurance online. With such a large number of insurance companies available, how can anyone effectively compare every company in order to find the lowest price available?

Insurance rates Hyundai Genesis in San AntonioIt goes without saying that car insurance companies want to keep your business as long as possible. People who shop for lower prices are inclined to switch to a new company because they stand a good chance of finding a lower-priced company. A recent auto insurance study revealed that consumers who routinely shopped around saved approximately $3,400 over four years compared to people who never compared prices.

If finding the most affordable insurance is why you're reading this, learning the best way to quote and compare insurance coverage can help simplify the task of finding more affordable coverage.

The method we recommend to get rate comparisons for Hyundai Genesis insurance in San Antonio is to take advantage of the fact almost all companies participate in online systems to provide you with a free rate quote. The only thing you need to do is provide a little information such as whether the vehicles are used for commuting, if you have an active license, driver details, and if a SR-22 is required. The rating information is then submitted to multiple different insurance companies and you should receive rate quotes almost instantly.

To compare rates for your Hyundai Genesis now, click here and enter your coverage details.

The providers in the list below can provide free rate quotes in Texas. If multiple companies are shown, we suggest you get rate quotes from several of them to get the most competitive price.

Buying the right Genesis insurance in Texas is an important decision

Even though San Antonio Genesis insurance rates can get expensive, buying car insurance may be mandatory for several reasons.

  • Almost all states have minimum liability requirements which means state laws require specific minimum amounts of liability protection in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your vehicle, more than likely the lender will make it mandatory that you buy insurance to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Hyundai at a much higher premium rate and require you to pay the higher price.
  • Car insurance preserves not only your car but also your financial assets. It will also pay for many types of medical costs that are the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of your driving. If you have damage to your Hyundai as the result of the weather or an accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of insuring your car more than cancel out the cost, especially with large liability claims. But the average American driver is currently overpaying as much as $825 a year so you should quote and compare rates once a year at a minimum to help ensure money is not being wasted.

Insurance coverage details

The rate table below showcases detailed analysis of insurance prices for Hyundai Genesis models. Learning more about how insurance premiums are determined is important for drivers to make informed decisions when shopping around for a new policy.

Hyundai Genesis Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Genesis 2.0T 2-Dr Coupe $264 $624 $576 $34 $172 $1,670 $139
Genesis 3.8 4-Dr Sedan $294 $542 $392 $24 $118 $1,370 $114
Genesis 2.0T Premium 2-Dr Coupe $294 $624 $576 $34 $172 $1,700 $142
Genesis 3.8 2-Dr Coupe $294 $624 $576 $34 $172 $1,700 $142
Genesis 2.0T Track 2-Dr Coupe $294 $624 $576 $34 $172 $1,700 $142
Genesis 3.8 Grand Touring 2-Dr Coupe $294 $624 $576 $34 $172 $1,700 $142
Genesis 4.6 4-Dr Sedan $294 $624 $392 $24 $118 $1,452 $121
Genesis 3.8 Track 2-Dr Coupe $294 $706 $576 $34 $172 $1,782 $149
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price information does not factor in San Antonio location which can lower or raise coverage prices considerably.

Physical damage deductibles

When comparing auto insurance rates, the most common question is how high or low should comp and collision deductibles be. The comparisons below approximate the rate fluctuation between high and low physical damage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Hyundai Genesis insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Genesis 2.0T 2-Dr Coupe $370 $804 $476 $28 $142 $1,845 $154
Genesis 3.8 4-Dr Sedan $412 $698 $324 $20 $96 $1,575 $131
Genesis 2.0T Premium 2-Dr Coupe $412 $804 $476 $28 $142 $1,887 $157
Genesis 3.8 2-Dr Coupe $412 $804 $476 $28 $142 $1,887 $157
Genesis 2.0T Track 2-Dr Coupe $412 $804 $476 $28 $142 $1,887 $157
Genesis 3.8 Grand Touring 2-Dr Coupe $412 $804 $476 $28 $142 $1,887 $157
Genesis 4.6 4-Dr Sedan $412 $804 $324 $20 $96 $1,681 $140
Genesis 3.8 Track 2-Dr Coupe $412 $908 $476 $28 $142 $1,991 $166
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Hyundai Genesis insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Genesis 2.0T 2-Dr Coupe $206 $424 $476 $28 $142 $1,276 $106
Genesis 3.8 4-Dr Sedan $228 $368 $324 $20 $96 $1,036 $86
Genesis 2.0T Premium 2-Dr Coupe $228 $424 $476 $28 $142 $1,298 $108
Genesis 3.8 2-Dr Coupe $228 $424 $476 $28 $142 $1,298 $108
Genesis 2.0T Track 2-Dr Coupe $228 $424 $476 $28 $142 $1,298 $108
Genesis 3.8 Grand Touring 2-Dr Coupe $228 $424 $476 $28 $142 $1,298 $108
Genesis 4.6 4-Dr Sedan $228 $424 $324 $20 $96 $1,092 $91
Genesis 3.8 Track 2-Dr Coupe $228 $478 $476 $28 $142 $1,352 $113
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Table data does not factor in specific location which can impact rates substantially.

Based on the figures above, using a $100 deductible costs about $48 more each month or $576 every year averaged for all Genesis models than opting for the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 19 months between claim filings, you would come out ahead going with the higher deductible.

Reckless driving habits raise auto insurance rates

The chart below highlights how speeding tickets and at-fault fender-benders raise Hyundai Genesis insurance rates for different age groups. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Auto insurance cost for men versus women

The diagram below shows the difference between Hyundai Genesis annual premium costs for male and female drivers. The prices are based on a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are taken into consideration.

How much more does full coverage cost in San Antonio?

The diagram below illustrates the comparison of Hyundai Genesis yearly insurance costs with and without physical damage coverage. The prices are based on no violations or accidents, $100 deductibles, marital status is single, and no policy discounts are applied.

When to stop buying full coverage

There is no written rule for excluding comp and collision coverage, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's assume your Hyundai Genesis book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying your deductible. If you are currently paying more than $700 annually for full coverage, then it might be time to consider dropping full coverage.

There are a few cases where dropping full coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

Verify you're receiving every discount

Not many people think insurance is cheap, but you can get discounts that you may not even be aware of. A few discounts will be applied when you quote, but lesser-known reductions have to be manually applied before you get the savings. If you're not getting every credit available, you could be saving more on your auto insurance.Save money with discounts

  • Multi-Vehicle Discounts - Buying insurance for several vehicles on the same auto insurance policy can get a discount for every vehicle.
  • Low Miles Discount - Low mileage vehicles could be rewarded with lower prices due to less chance of an accident.
  • New Car Discount - Buying a new car instead of a used Genesis can be considerably cheaper because new vehicles are generally safer.
  • Distant College Student Discount - Kids who are attending college without a vehicle on campus may qualify for this discount.
  • Senior Citizens - Mature drivers can possibly qualify for a slight reduction on a San Antonio car insurance quote.
  • Discount for Passive Restraints - Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
  • Telematics Data Discounts - Drivers who elect to allow data collection to look at driving patterns by installing a telematics device such as State Farm's In-Drive could see a rate decrease if they are good drivers.
  • Anti-lock Brakes - Cars equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.
  • Discount for Home Ownership - Just being a homeowner can earn you a little savings since owning and maintaining a home is proof of financial responsibility.
  • Defensive Driver - Taking time to complete a defensive driving class could earn you a small percentage discount and make you a better driver.

Discounts save money, but please remember that most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, you won't be that lucky.

The information below compares Hyundai Genesis auto insurance rates with and without policy discounts. The information is based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, safe-driver, homeowner, and marriage discounts applied.

Large auto insurance companies and a partial list of their discounts are detailed below.

  • State Farm includes discounts for multiple policy, good driver, safe vehicle, student away at school, Drive Safe & Save, good student, and defensive driving training.
  • GEICO may have discounts that include emergency military deployment, good student, five-year accident-free, driver training, multi-policy, and anti-theft.
  • Allstate has savings for multi-policy, utility vehicle, eSmart discount, anti-theft, economy car, teenSMART discount, and auto/life discount.
  • SAFECO discounts include accident prevention training, teen safe driver, anti-theft, anti-lock brakes, teen safety rewards, safe driver, and homeowner.
  • Farm Bureau has discounts for driver training, youthful driver, multi-vehicle, renewal discount, 55 and retired, safe driver, and good student.
  • Progressive offers discounts for homeowner, good student, continuous coverage, multi-vehicle, online signing, and online quote discount.
  • AAA may offer discounts for multi-car, good driver, multi-policy, AAA membership discount, education and occupation, pay-in-full, and anti-theft.

Check with every insurance company how you can save money. Some discounts listed above may not apply to policyholders in San Antonio. To find auto insurance companies that offer multiple discounts in San Antonio, click this link.