The easiest way to find lower priced Hyundai Genesis insurance in Santa Ana is to make a habit of regularly comparing prices from different companies who sell insurance in California. Rate comparisons can be done by following these guidelines.
- Try to comprehend individual coverages and the changes you can make to lower rates. Many things that are responsible for high rates such as traffic tickets, fender benders, and a poor credit rating can be amended by making minor driving habit or lifestyle changes. This article gives more information to find cheap prices and get bigger discounts that may have been overlooked.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO and State Farm, while agents who are independent can quote prices from multiple sources.
- Compare the new quotes to your current policy to see if you can save by switching companies. If you find better rates and decide to switch, make sure coverage does not lapse between policies.
An essential thing to point out is to try to use the same amount of coverage on each price quote and and to get price estimates from as many different companies as possible. Doing this provides a level playing field and the best price quote selection.
Unbelievably, about 70% of customers have stayed with the same insurance company for more than four years, and almost 40% of drivers have never even compared rates from other companies. Santa Ana consumers could save as much as $469 each year, but they just feel it's too hard to save money by comparing rate quotes.
How to get low cost Hyundai Genesis insurance in Santa Ana, California
Getting cheaper Hyundai Genesis car insurance pricing is an easy way to save money. Consumers just need to spend a few minutes on the computer getting comparison quotes to discover which company has the cheapest Hyundai Genesis rate quotes.
The companies shown below provide free rate quotes in Santa Ana, CA. If multiple companies are listed, we suggest you compare several of them in order to find the most competitive rates.
Car insurance policy discounts you can't miss
Not many people think insurance is cheap, but there are discounts available that may help make it more affordable. Some of these discounts will be visible at the time of quoting, but a few need to be inquired about prior to receiving the credit.
- Student in College - Youth drivers who attend college more than 100 miles from Santa Ana and won't have access to an insured vehicle can receive lower rates.
- Savings for New Vehicles - Insuring a new Genesis can get you a discount due to better safety requirements for newer models.
- Discount for Low Mileage - Maintaining low annual mileage may enable drivers to earn slightly better prices than normal.
- Senior Citizen Rates - Drivers that qualify as senior citizens could receive a discount up to 10%.
- E-sign - A few insurance companies will give you a small discount just for signing your application on the internet.
- Military Deployment Discount - Having a deployed family member could mean lower premium rates.
Policy discounts save money, but most credits do not apply to the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you can get free auto insurance, that's just not realistic.
The chart below compares Hyundai Genesis car insurance rates with and without some available policy discounts. The data assumes a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, claim-free, marriage, and safe-driver discounts applied.
Companies and the discounts they provide can be read below.
- State Farm policyholders can earn discounts including defensive driving training, Steer Clear safe driver discount, safe vehicle, anti-theft, multiple policy, and driver's education.
- Progressive has discounts for homeowner, multi-vehicle, online signing, good student, online quote discount, and continuous coverage.
- Travelers has savings for payment discounts, multi-policy, hybrid/electric vehicle, early quote, and student away at school.
- American Family may have discounts that include TimeAway discount, good driver, Steer into Savings, bundled insurance, and mySafetyValet.
- Liberty Mutual offers discounts including new vehicle discount, exclusive group savings, preferred payment discount, hybrid vehicle, newly retired, and teen driver discount.
If you need lower rates, check with each insurance company which discounts you qualify for. Some discounts listed above may not apply in your area. To see a list of companies that provide some of the discounts listed above in Santa Ana, click here.
Hyundai Genesis insurance statistics and information
The premium information shown next highlights different coverage costs for Hyundai Genesis models. Having insight into how car insurance premiums are calculated can be useful when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $234 | $564 | $668 | $40 | $200 | $1,706 | $142 |
| Genesis 3.8 4-Dr Sedan | $260 | $490 | $454 | $26 | $136 | $1,366 | $114 |
| Genesis 2.0T Premium 2-Dr Coupe | $260 | $564 | $668 | $40 | $200 | $1,732 | $144 |
| Genesis 3.8 2-Dr Coupe | $260 | $564 | $668 | $40 | $200 | $1,732 | $144 |
| Genesis 2.0T Track 2-Dr Coupe | $260 | $564 | $668 | $40 | $200 | $1,732 | $144 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $260 | $564 | $668 | $40 | $200 | $1,732 | $144 |
| Genesis 4.6 4-Dr Sedan | $260 | $564 | $454 | $26 | $136 | $1,440 | $120 |
| Genesis 3.8 Track 2-Dr Coupe | $260 | $638 | $668 | $40 | $200 | $1,806 | $151 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices substantially.
When should I get advice from an insurance agency?
Many people just prefer to sit down with an agent. Most agents are very good at helping people manage risk and help submit paperwork. One of the benefits of comparing insurance prices online is you can get the lowest rates but also keep your business local.
After completing this quick form, your insurance coverage information gets sent to local insurance agents in Santa Ana that give free quotes for your insurance coverage. It makes it easy because there is no need to find an agent due to the fact that quote results will go to the email address you provide. If you wish to compare prices from a particular provider, you just need to find their quoting web page and fill out the quote form the provide.
Deciding on an company needs to be determined by more than just the premium amount. A good agent in Santa Ana will have answers to these questions.
- Does the agency have a current Errors and Omissions policy?
- When do they do policy reviews?
- How will an accident affect your rates?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Are they properly licensed to sell insurance in California?
- What is their Better Business Bureau rating?
- Does the agent help file claims?
Pick the best car insurance agent in Santa Ana for you
When narrowing the list to find a local insurance agency, it helps to know the two different agency structures and how they can quote your rates. Insurance agents can either be independent agents or exclusive agents. Either one can sell insurance policies, but it's important to know how they are different because it may have an impact on your selection of an agent.
Exclusive Insurance Agents
These agents write business for a single company like American Family, State Farm, and AAA. Exclusive agencies are unable to provide prices from multiple companies so it's a take it or leave it situation. Exclusive insurance agents are trained well in insurance sales which helps them compete with independent agents. Some consumers prefer to choose to use a exclusive agent mainly due to the brand and the convenience of having all coverages with one company.
Shown below are Santa Ana exclusive agents willing to provide price quotes.
- Farmers Insurance Agency: Blake Robbins
3611 S Harbor Blvd #200 - Santa Ana, CA 92704 - (417) 263-1934 - View Map - Farmers Insurance - Manuel Acevedo
3500 S Bristol St #201 - Santa Ana, CA 92704 - (714) 433-2996 - View Map - Farmers Insurance - Eduardo Machado
1701 N Main St Ste 180 - Santa Ana, CA 92706 - (714) 352-0700 - View Map
Independent Agents (or Brokers)
Independent agents are not limited to a single company so they have the ability to put coverage through lots of different companies and help determine which has the cheapest rates. If prices rise, your agent can switch companies and you don't have to do anything.
When comparing insurance rates, you should always get some free quotes from independent agents for the best price selection. Many write coverage with additional companies that you may not be familiar with that may have much lower rates than larger companies.
Listed below is a short list of independent insurance agencies in Santa Ana who can help you get rate quotes.
- Mural Insurance Agency
1202 17th St #103 - Santa Ana, CA 92701 - (714) 541-1003 - View Map - Everett Callahan Insurance Agency, Inc
1913 17th St - Santa Ana, CA 92705 - (714) 246-8976 - View Map - First American Property and Casualty Insurance Group
4 First American Way - Santa Ana, CA 92701 - (714) 560-7850 - View Map
How do Car Insurance Companies Determine Hyundai Genesis Insurance Premiums?
Smart consumers have a good feel for some of the factors that come into play when calculating the rates you pay for auto insurance. When consumers understand what determines premiums, this enables you to make decisions that could result in cheaper rates. Multiple criteria are considered when quoting car insurance. Some factors are common sense like a motor vehicle report, but others are less obvious such as your credit history or how safe your car is.
Optional features impact premiums - Owning a car with anti-theft technology or alarm system can save you some money. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent auto theft.
Incidental coverages may be wasting money - Insurance companies have many additional coverages that may not really be needed if you don't pay attention. Coverages for personal injury protection, towing coverage, and motor club memberships may be costing you every month. These coverages may sound good when talking to your agent, but your needs may have changed so consider taking them off your policy.
Get hitched and get cheaper costs - Having a wife or husband can get you a discount compared to being single. Marriage is viewed as being more mature than a single person and insurance companies like that drivers who are married are more cautious.
Pay more for higher performance vehicles - The make and model of the vehicle you need insurance for makes a big difference in your rates. The most favorable rates are usually for smaller low performance passenger cars, but the cost you end up paying is determined by many additional factors.
The following data assumes a single male driver age 20, full coverage with $100 deductibles, and no discounts or violations. It illustrates Hyundai Genesis insurance rates compared to other makes and models that have different performances.
No claims equals cheap auto insurance rates - Auto insurance companies in California provide the best rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of the large, substantial claims.
Maintain auto insurance coverage - Having a gap between insurance policy dates is a fast way to pay more for auto insurance. And not only will your rates increase, not being able to provide proof of insurance could earn you a license revocation or jail time.
Hyundai Genesis statistical loss data - Companies analyze past claim statistics to determine a price that will be profitable for them. Vehicles that the data determines to have a higher amount or frequency of claims will be charged more to insure. The information below illustrates the historical insurance loss data for Hyundai Genesis vehicles.
For each coverage type, the claim probability for all vehicles as a whole is considered to be 100. Values below 100 are indicative of better than average losses, while numbers shown that are more than 100 indicate more frequent claims or larger claims.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Genesis | 178 | 122 | 117 | 119 | 103 | 117 |
| Hyundai Genesis 4dr | 154 | 71 | 154 | 85 | 99 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Car insurance protects more than just your car
Despite the high cost of buying insurance for a Hyundai Genesis in Santa Ana, paying for car insurance may not be optional for several reasons.
First, just about all states have minimum mandated liability insurance limits which means state laws require a specific level of liability coverage in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Hyundai Genesis has a lienholder, more than likely the lender will require you to buy full coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank will be required to insure your Hyundai at an extremely high rate and force you to pay the higher price.
Third, car insurance preserves your vehicle and your assets. It will also provide coverage for medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage also covers legal expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of buying car insurance outweigh the cost, particularly for liability claims. On average, a vehicle owner in Santa Ana overpays more than $825 a year so compare rate quotes at least once a year to be sure current rates are still competitive.
California auto insurance companies
Ending up with the best insurance provider can be challenging considering how many companies there are in Santa Ana. The company rank data shown next may help you analyze which companies you want to consider purchasing from.
Top 10 Santa Ana Car Insurance Companies by A.M. Best Rank
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Progressive - A+
- Titan Insurance - A+
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Do the work, save more money
We just showed you a lot of information how to compare Hyundai Genesis insurance car insurance rates in Santa Ana. It's most important to understand that the more quotes you get, the higher your chance of finding cheaper Santa Ana auto insurance quotes. Consumers could even find that the lowest priced auto insurance comes from the least-expected company.
More affordable auto insurance in Santa Ana is possible online as well as from independent agents in Santa Ana, so you should compare both to have the best chance of lowering rates. A few companies do not provide rates over the internet and usually these regional insurance providers prefer to sell through independent insurance agents.
As you quote Santa Ana auto insurance, do not skimp on coverage in order to save money. Too many times, someone dropped physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage for the lowest cost while still protecting your assets.
For more information, link through to the articles below:
- Comprehensive Coverage (Liberty Mutual)
- Who Has Affordable Santa Ana Car Insurance Rates for a GMC Acadia? (FAQ)
- Who Has Cheap Auto Insurance for Active Military in Santa Ana? (FAQ)
- What Insurance is Cheapest for Drivers with Good Credit in Santa Ana? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Cellphones, Texting and Driving (iihs.org)
- Coverage Information (Progressive Insurance)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)