Car Insurance Quotes for the Hyundai Genesis

If you’re riding in a Genesis, you obviously enjoy comfort. You might want to also consider enjoying the luxury of obtaining a full coverage car insurance policy to protect your new vehicle for an average of $192 monthly. At the very least, your state will require you to get a minimum liability policy, which will cost you $97 per month on average.

Knowing approximate costs might not be good enough for you. For exact numbers, reach out to a Freeway agent who will discuss your details and preferences and get you the most affordable car insurance available.

As you go through the many types of car insurance coverage available, you’ll have to decide which are worth paying for and which you’d prefer to forgo to lower your premiums. Your Freeway agent will walk you through the pros and cons of the various options. Here are two of the most common policy types.

Full Coverage

You can park your Hyundai Genesis in a garage to protect it from the elements. But what happens when you hit the road? Or when you park it at work? If an uninsured driver crashes into your vehicle, a branch falls on it while it’s parked, or if it’s stolen? In all of these scenarios, you would have to pay to repair or, even worse, replace your vehicle. But not if you have full coverage insurance, plus uninsured motorist coverage which costs an average of $192 monthly. With this type of policy, your insurer would help you pay for the damages to your car, even if it is a total loss.

State Minimum Liability

It’s not always easy to pay for the highest level of protection. If you’re looking for the most economical way of protecting yourself as a driver, you can choose to obtain the lowest amount of coverage required by your state. A minimum liability policy will cost you an average of $97 monthly. While the price tag might be appealing, keep in mind that if you opt for this type of policy, you would only be covered for damages you cause when you’re at fault for an accident. Your insurer won’t pay for damages to your vehicle.

Whether you request a quote online or in person, you have to supply information about yourself and your vehicle. Dozens of factors that affect your premiums are embedded within the details you provide to your insurer. Here are some examples.

Your Zip Code

Theft and accident rates vary by location. The cost of parts and labor also depends on where you live. Because of this, your premiums will be partially based on your ZIP code.

Types of Coverage

As mentioned, the cost of full coverage and minimum liability is very different. But there are many other options you can add, such as GAP insurance and 24/7 roadside assistance. Each of these will increase the amount you pay for coverage every month.

Driving Experience

Statistics show that new drivers are the most likely to get into an accident. Therefore, regardless of your age, your insurer will charge you more if you’re a new driver and less once you have several years of driving under your belt.

A conviction for driving under the influence of alcohol automatically makes you a high-risk driver for insurance purposes. Statistically, you’re considered more likely than other drivers to get into an accident. Before being allowed to operate a vehicle again, most states will require your insurer to file an SR-22 certificate on your behalf. In addition, to mitigate risk, your premiums will cost significantly more than before your DUI.

Insurers offer customers many different types of discounts. Drivers who have a clean record often get reduced rates through a safe driver discount, and customers who get more than one type of coverage with the same carrier usually get a break on both policies via a multi-policy discount. There are many more discounts available, and your Freeway agent will try to get you as many as you qualify for to lower your premiums. These are just a few discounts that might apply to you:

In its eight years of production between model years 2009 and 2016, the Genesis was a desirable car that competed with the best luxury vehicles on the market. In fact, Hyundai eventually spun off an entire luxury brand and labeled it “Genesis” due to this vehicle’s success. From its inception, even base trims came with 18-inch wheels and a strut bar. Leather seats, V6 or V8 engines, a touchscreen infotainment system, and other features make this an excellent executive vehicle or a five-passenger family car.