Vehicle owners that are new to comparing rates online are likely to find buying low cost Hyundai Genesis insurance can be quite challenging.
A recent survey discovered that most insurance buyers in Arizona have remained with the same insurance company for over three years, and approximately 38% of consumers have never compared rate quotes at all. Most drivers in America can save 47% each year just by shopping around, but they just feel it’s too hard to compare rate quotes.
It’s a good habit to compare premium rates occasionally because prices are usually higher with each renewal. Just because you had the lowest price on Hyundai Genesis insurance in Phoenix on your last policy there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in how to quote online to reduce your cost while increasing coverage.
If you have insurance now, you will most likely be able to save money using the ideas you’re about to read. The purpose of this post is to introduce you to how to get online quotes and also save some money in the process But Arizona drivers benefit from understanding the way companies calculate their prices because rates fluctuate considerably.
Phoenix insurance discounts
Car insurance is not cheap, but you can get discounts that many people don’t even know exist. Some discounts apply automatically at the time of quoting, but a few need to be specially asked for before they will apply.
- Military Rewards – Having a deployed family member could qualify you for better premium rates.
- Early Signing – Select insurance companies give a discount for switching companies early. You could save around 10% when you buy Phoenix auto insurance online.
- Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
- Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
- ABS and Traction Control Discounts – Cars that have anti-lock braking systems can avoid accidents and will save you 10% or more on Genesis insurance in Phoenix.
As is typical with insurance, some credits don’t apply to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will bring down your policy cost.
To see providers that offer some of these discounts in Arizona, follow this link.
How to buy Hyundai Genesis insurance in Phoenix
When shopping for the cheapest Hyundai Genesis rate quotes, there are a couple of ways to compare prices from local Phoenix auto insurance companies. The quickest method to find the lowest rates is to use the internet to compare rates.
When price shopping your coverage, comparing more rates from different companies will enable you to find a lower rate.
The companies shown below have been selected to offer price comparisons in Arizona. If multiple companies are shown, it’s highly recommended you compare several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Genesis 2.0T 2-Dr Coupe||$282||$620||$382||$22||$114||$1,420||$118|
|Genesis 3.8 4-Dr Sedan||$232||$426||$308||$18||$92||$1,076||$90|
|Genesis 2.0T Premium 2-Dr Coupe||$154||$326||$424||$26||$126||$1,056||$88|
|Genesis 3.8 2-Dr Coupe||$270||$428||$490||$30||$146||$1,364||$114|
|Genesis 2.0T Track 2-Dr Coupe||$278||$620||$424||$26||$126||$1,474||$123|
|Genesis 3.8 Grand Touring 2-Dr Coupe||$204||$418||$394||$24||$118||$1,158||$97|
|Genesis 4.6 4-Dr Sedan||$180||$334||$254||$16||$76||$860||$72|
|Genesis 3.8 Track 2-Dr Coupe||$180||$376||$374||$22||$112||$1,064||$89|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price information does not factor in specific location information which can raise or lower coverage prices significantly.
Insurance rate increases from tickets or accidents
The chart below illustrates how traffic citations and at-fault collisions can affect Hyundai Genesis car insurance rates for each different age category. The rate quotes are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
When to have guidance from a local insurance agent
Many people prefer to get advice from a local agent and that is a personal choice. One of the best bonuses of comparing car insurance online is that you can find the lowest rates and still have a local agent.
To help locate an agent, after submitting this form (opens in new window), your information is sent to local insurance agents who will gladly provide quotes for your insurance coverage. There is no need to leave your house due to the fact that quote results will go immediately to your email address. You’ll get the best rates and work with a local agent. In the event you want to get a price quote for a specific company, feel free to visit that company’s website and give them your coverage information.
Picking the best provider needs to be determined by more than just a cheap price quote. Agents should be asked these questions:
- Do the companies they represent have a solid financial rating?
- Does the agent recommend any additional coverage?
- By raising physical damage deductibles, how much would you save?
- Does the company allow you to choose your own collision repair facility?
- Do you work with a CSR or direct with the agent?
- Will your rates increase after a single accident?
- Do they write coverage based solely on cost?
Phoenix car insurance agents come in two flavors
When finding a local insurance agency, you should know the types of insurance agents that you can choose from. Insurance agencies in Phoenix can be described as either independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
Agents in the exclusive channel normally can only provide a single company’s rates and examples are AAA, Allstate, and State Farm. Exclusive agents cannot place coverage with different providers so they have to upsell other benefits. Exclusive agents are trained well on their company’s products and that allows them to sell at a higher price point. Many people buy from the same agent for years mainly due to the prominent brand name and the convenience of having all coverages with one company.
The following are exclusive agencies in Phoenix that can give you price quote information.
- Brian Stevens – State Farm Insurance Agent
21043 N Cave Creek Rd A12 – Phoenix, AZ 85024 – (602) 569-6600 – View Map
- Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088 – View Map
- GEICO Insurance Agent
9515 W Camelback Rd #134 – Phoenix, AZ 85037 – (602) 234-3426 – View Map
Independent Car Insurance Agencies
Agents that elect to be independent do not have single company limitations so they can insure your vehicles with lots of companies depending on which coverage is best. If premiums increase, your agent can just switch to a different company which is easy for the insured. When comparing car insurance rates, we recommend you get some free quotes from a couple of independent agencies to get the best comparison. Most can insure with smaller mutual companies which can be an advantage.
Shown below is a short list of independent insurance agents in Phoenix that can give you price quotes.
- Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map
- Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map
- Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map
One last thing to lower rates
Some companies do not offer internet price quotes and most of the time these small insurance companies prefer to sell through independent agents. Cheaper Hyundai Genesis insurance in Phoenix can be bought both online as well as from insurance agents, so compare prices from both in order to have the best price selection to choose from.
People who switch companies do it for many reasons like high prices, delays in paying claims, extreme rates for teen drivers and poor customer service. It doesn’t matter what your reason, choosing a new insurance company is not as difficult as it may seem.
As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.
Helpful learning opportunities
- Rental Car Insurance Tips (Insurance Information Institute)
- How Much is Phoenix Auto Insurance for Drivers with a DUI? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers with Accidents in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for a Ford Fusion? (FAQ)
- Who Has the Cheapest Phoenix Auto Insurance Quotes for Low Credit Scores? (FAQ)
- Teen Driving and Texting (State Farm)
- Parking Tips to Reduce Door Dings (State Farm)
- Child Safety FAQ (iihs.org)