Compare 1991 Hyundai Excel Car Insurance Rates

Want cheaper insurance coverage rates for your Hyundai Excel? Nobody looks forward to paying for insurance coverage, especially knowing their premiums are through the roof. There are many auto insurance companies to insure vehicles with, and although it’s a good thing to have a choice, more options can take longer to compare rates and find the lowest cost insurance coverage.

You should take the time to quote other rates before your next renewal since insurance prices change frequently. Just because you found the best deal on Excel insurance two years ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you how to use online quotes to properly buy coverages and cut your premium.

This article will introduce you to how to effectively get price quotes and some tricks to saving. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Vehicle owners just need to know the best way to get comparison quotes on the web.

Six factors that influence insurance prices

An important part of buying insurance is that you know some of the elements that help determine the level of your policy premiums. If you have some idea of what determines premiums, this allows you to make educated decisions that will entitle you to big savings.

  • Prevent theft and lower rates – Selecting a car model with a theft deterrent system can help lower your rates. Systems that thwart theives like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your vehicle from being stolen.
  • Where do you drive? – The more miles you rack up on your Hyundai each year the higher your rates will be. A lot of companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage can get a lower rate than those that get driven frequently. Double check that your car insurance coverage correctly shows the correct usage. Improper usage on your Excel can result in significantly higher rates.
  • Cautious drivers pay the best costs – Even one driving citation may cause rates to rise substantially. Good drivers pay lower auto insurance prices as compared to those with violations. Drivers who have received serious citations such as DUI or willful reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to keep their license.
  • Better premiums on vehicles with better crash test results – Safer cars tend to have better insurance rates. Vehicles engineered for safety reduce injuries and fewer injuries means your insurance company pays less which can result in lower premiums. If the Hyundai Excel has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Being married is a good thing – Having a spouse may save some money when shopping for car insurance. It demonstrates that you tend to be more financially stable and it’s statistically proven that drivers who are married file infrequent claims.
  • Bundle home and auto and save – Most companies will award lower prices for people who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to guarantee you are still saving the most.

Affordable auto insurance rate quotes online

There are several ways you can shop for auto insurance but some are less time-consuming than others. You can waste a lot of time driving to insurance agencies in your area, or you can stay home and use the internet to get prices fast.

The majority of car insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each company provides a quote for coverage. This saves time by eliminating form submissions to each company.

To enter your information into the quoting system, click here to open in new window.

The only drawback to getting quotes like this is you don’t know exactly which companies you want pricing from. If you wish to select specific insurance companies to compare, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare the exact same quote information on every quote. If you use higher or lower deductibles you will not be able to decipher which rate is best.

Big brands don’t always mean big savings

Consumers get pounded daily by advertisements that claim the best rates from the likes of State Farm, Geico and Progressive. They all make the same claim that drivers will save a bundle if you get a free car insurance quote and switch your insurance policy to them.

How does every insurance company offer you a better deal? Here is how they do it.

Insurance companies are able to cherry pick for the right customer they prefer to insure. An example of a driver they prefer might be described as a married female, carries high limits, and has great credit. A customer getting a price quote that matches those criteria will get the preferred prices and as a result will probably cut their rates if they switch.

People who don’t qualify for these stringent criteria will see higher premium rates which results in the prospect going elsewhere. The trick is to say “drivers that switch” not “all people who quote” save that much. That is how companies can truthfully make it sound like they have such great rates.

Because of the profiling, it is so important to get car insurance quotes as often as possible. Because without a comparison, you cannot know the company that will provide the lowest prices.

Insurance Discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to cut the cost considerably. Some discounts will apply when you complete an application, but some need to be specifically requested in order for you to get them.

  • Resident Student – Any of your kids who live away from home to go to college and do not have a car may be insured at a cheaper rate.
  • Sign Online – Many insurance companies will provide an incentive shop car insurance on their website.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have more than one vehicle with the same insurance company can reduce the rates for all insured vehicles.
  • Student Discounts – Getting good grades may save as much as 25% on a car insurance quote. The discount lasts up to age 25.
  • Own a Home and Save – Simply owning a home may trigger a policy discount on insurance because maintaining a house means you have a higher level of financial diligence.
  • Accident Free – Drivers with accident-free driving histories have much lower rates in comparison to frequent claim filers.
  • Switch and Save Discount – A few larger companies give discounts for switching policies prior to the expiration date on your current policy. This can save 10% or more.

Drivers should understand that most discount credits are not given the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, you aren’t that lucky. But any discount will cut your policy premiums.

Companies and a partial list of their discounts can be read below.

  • Progressive offers discounts including homeowner, online quote discount, multi-vehicle, continuous coverage, online signing, multi-policy, and good student.
  • Farmers Insurance may include discounts for switch companies, business and professional, distant student, teen driver, electronic funds transfer, good student, and pay in full.
  • Farm Bureau offers discounts for multi-vehicle, good student, multi-policy, renewal discount, and 55 and retired.
  • State Farm offers premium reductions for student away at school, driver’s education, defensive driving training, Steer Clear safe driver discount, passive restraint, anti-theft, and safe vehicle.
  • Geico includes discounts for multi-policy, anti-lock brakes, membership and employees, emergency military deployment, and federal employee.
  • SAFECO may have discounts that include anti-theft, bundle discounts, safe driver, multi-car, teen safe driver, and drive less.
  • Liberty Mutual discounts include new graduate, exclusive group savings, teen driver discount, newly married, and preferred payment discount.

It’s a good idea to ask each company or agent the best way to save money. Savings might not apply in your area. To find insurers that offer multiple discounts, click here.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you could use an agent’s help.

  • Do I need medical payments coverage since I have good health insurance?
  • Is rental equipment covered for theft or damage?
  • How can I force my company to pay a claim?
  • Is motorclub coverage worth it?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • Exactly who is provided coverage by my policy?
  • Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.

Educate yourself about auto insurance coverages

Knowing the specifics of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average auto insurance policy.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses for things like ambulance fees, pain medications and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability

Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as funeral expenses, attorney fees, repair costs for stationary objects, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Collision insurance

Collision insurance covers damage to your Excel caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from flooding, vandalism, theft and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Hyundai Excel.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Power to the consumer

You just learned many ways to lower your 1991 Hyundai Excel insurance car insurance rates. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper compared to the large companies like Progressive and Geico.

Cheaper 1991 Hyundai Excel insurance is definitely available online in addition to local insurance agencies, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies do not provide the ability to get quotes online and most of the time these smaller companies only sell coverage through local independent agents.

When trying to cut insurance costs, you should never reduce needed coverages to save money. There are many occasions where an insured dropped physical damage coverage only to discover later they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

More detailed auto insurance information can be read at these sites: