1998 Hyundai Tiburon Insurance Quotes – 9 Tips for Cheaper Rates

I really doubt anyone anticipates paying for insurance coverage, in particular when they could find better prices if they shop around.

Because there are so many companies to choose from, it can be impossible to choose a lower cost company.

You should make it a habit to quote other rates on a regular basis because insurance coverage prices are constantly changing. Just because you found the lowest price on Tiburon coverage last year the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

Buy auto insurance online

Most larger insurance companies such as State Farm, Allstate and Geico allow consumers to get insurance quotes on the web. Comparing rates online is very simple as you just type in as requested by the quote form. Once entered, their system will obtain information on your driving record and credit history and gives you a price quote based on these factors. This makes it a lot easier to compare rates but having to visit different websites and fill out multiple forms can be a bit repetitive. But it’s very important to compare as many rates as possible if you want to find the best price on auto insurance.

A better way to locate the lowest prices requires only one form that analyzes rates from a lot of companies. It saves time, requires much less work on your part, and makes online quotes a little more enjoyable. After sending the form, it is rated and you can choose your choice of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. It takes just a few minutes to complete and you will know how your current rates stack up.

To compare pricing, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you replicate deductibles and limits as shown on your current policy. This makes sure you will be getting rate quotes for similar coverage.

Insurance Discounts

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that could help you make your next renewal payment. Some of these disounts will be visible at quote time, but a few need to be inquired about in order for you to get them.

  • Telematics Discount – Drivers that enable their company to scrutinize driving manner by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they show good driving skills.
  • Multiple Policy Discount – When you have multiple policies and insure them both with the same insurance company you could get a discount of up to 20% and get you cheaper auto insurance.
  • Good Student Discount – Performing well in school may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students well after school through age 25.
  • Active Service Discounts – Having an actively deployed family member could trigger a small discount.
  • Government Employee Discount – Employees or retirees of the government could cut as much as 10% off on Tiburon coverage but check with your company.
  • Multi-line Discount – Some insurance carriers give a discounted rate on car insurance if you buy a life insurance policy as well.
  • Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.
  • No Charge for an Accident – Not really a discount, but certain companies will allow you to have one accident before your rates go up so long as you are claim-free for a specific time period.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way.

A list of insurance companies and a partial list of their discounts can be found below.

  • Progressive has savings for good student, online quote discount, continuous coverage, multi-vehicle, and multi-policy.
  • The Hartford may have discounts that include good student, bundle, anti-theft, vehicle fuel type, and air bag.
  • Mercury Insurance offers discounts including good student, annual mileage, accident-free, good driver, multi-policy, and anti-theft.
  • Geico may include discounts for anti-lock brakes, emergency military deployment, daytime running lights, federal employee, military active duty, five-year accident-free, and anti-theft.
  • AAA discounts include multi-policy, AAA membership discount, good driver, pay-in-full, good student, and multi-car.
  • State Farm offers discounts for anti-theft, defensive driving training, passive restraint, driver’s education, and multiple autos.

Before purchasing a policy, check with every insurance company how many discounts you can get. Some discounts may not apply to policyholders in every state. If you would like to choose from a list of companies with discount insurance rates, follow this link.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine if your insurance needs would benefit from an agent’s advice.

  • Should I sign the liability waiver when renting a car?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • I have a DUI can I still get coverage?
  • Do I benefit by insuring my home with the same company?
  • Will filing a claim cost me more?
  • Are there companies who specialize in insuring high-risk drivers?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Auto insurance specifics

Having a good grasp of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages offered by auto insurance companies.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, falling objects, rock chips in glass and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

Collision insurance will pay to fix damage to your Tiburon from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, sideswiping another vehicle, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1998 Hyundai Tiburon.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability

This can cover damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims such as repair costs for stationary objects, structural damage, emergency aid, funeral expenses and pain and suffering. How much coverage you buy is your choice, but buy as large an amount as possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as doctor visits, funeral costs, X-ray expenses and EMT expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Make an honest buck

Cheaper 1998 Hyundai Tiburon insurance is possible from both online companies and from local agencies, so you should compare both to have the best selection. There are still a few companies who may not offer the ability to get a quote online and usually these smaller companies work with independent agents.

You just learned some good ideas how to save on 1998 Hyundai Tiburon insurance. The key concept to understand is the more providers you compare, the better chance you’ll have of finding cheaper auto insurance. Consumers could even find that the most savings is with a lesser-known regional company. They can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced physical damage coverage only to find out that it was a big mistake. Your aim should be to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.

More detailed auto insurance information is available in the articles below: