Are you tired of overpaying and want more competitive Hyundai Genesis insurance in Oakland? Trying to find better insurance prices for a Hyundai Genesis in California can be a lot of work, but you can learn these tips and make it easy.
There are both good and bad ways to shop for car insurance and you need to know the best way to get price quotes for a Hyundai and get the best price possible either online or from Oakland insurance agents.
If you have a policy now or just want cheaper rates, you can use these tips to find better prices while maximizing coverage. Finding and comparing the most affordable auto insurance coverage in Oakland is actually quite simple. Drivers just have to understand the most effective way to compare prices using one simple form.
You may qualify for discounts for Hyundai Genesis insurance in Oakland
Insuring your vehicles can cost a lot, but you may qualify for discounts that you may not know about. Some of these discounts will be visible at the time of quoting, but a few must be asked for in order for you to get them.
- 55 and Retired – If you’re over the age of 55, you may be able to get lower premium rates.
- Pay Now and Pay Less – By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
- Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
- Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
- Discount for Life Insurance – Select companies reward you with a discounted price on car insurance if you buy a life insurance policy as well.
- Student Driver Training – Have your child take driver’s ed class in school.
- Safe Drivers – Safe drivers can save as much as half off their rates than less cautious drivers.
- Theft Deterrent – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and will save you 10% or more on Genesis insurance in Oakland.
- Multi-car Discount – Insuring several vehicles with one company can get a discount for every vehicle.
- Passenger Safety Discount – Cars that have air bags or automatic seat belts could see savings as much as 30%.
One thing to note about discounts is that most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, that’s just not realistic. But any discount should help lower your policy cost.
The chart below shows the difference between Hyundai Genesis insurance costs with and without discounts applied to the rates. The rate quotes are based on a female driver, no claims or driving violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, safe-driver, multi-car, and claim-free discounts applied.
Companies that have most of these discounts include:
When getting a coverage quote, ask every company the best way to save money. Depending on the company, some discounts may not apply to policyholders in Oakland.
Hyundai Genesis insurance quotes comparison
Getting a cheaper price on Hyundai Genesis insurance doesn’t have to be difficult. The only requirement is to take the time getting comparison quotes provided by online insurance companies.
The companies shown below are our best choices to provide price quotes in California. To buy cheaper car insurance in CA, it’s highly recommended you visit two to three different companies to get the best price comparison.
Rates and data analysis
The table shown next highlights a range of insurance costs for Hyundai Genesis models. Having a better understanding of how insurance policy rates are established can be valuable when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $358 | $630 | $724 | $42 | $216 | $1,970 | $164 |
| Genesis 3.8 4-Dr Sedan | $398 | $546 | $492 | $30 | $148 | $1,614 | $135 |
| Genesis 2.0T Premium 2-Dr Coupe | $398 | $630 | $724 | $42 | $216 | $2,010 | $168 |
| Genesis 3.8 2-Dr Coupe | $398 | $630 | $724 | $42 | $216 | $2,010 | $168 |
| Genesis 2.0T Track 2-Dr Coupe | $398 | $630 | $724 | $42 | $216 | $2,010 | $168 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $398 | $630 | $724 | $42 | $216 | $2,010 | $168 |
| Genesis 4.6 4-Dr Sedan | $398 | $630 | $492 | $30 | $148 | $1,698 | $142 |
| Genesis 3.8 Track 2-Dr Coupe | $398 | $712 | $724 | $42 | $216 | $2,092 | $174 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Prices do not factor in garaging location in Oakland which can lower or raise price quotes significantly.
Where to set your deductibles
One frequently asked question is the level to set your comp and collision deductibles. The following tables illustrate the rate fluctuation between high and low deductibles. The first table uses a $250 physical damage deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $386 | $780 | $552 | $32 | $166 | $1,941 | $162 |
| Genesis 3.8 4-Dr Sedan | $430 | $678 | $376 | $22 | $112 | $1,643 | $137 |
| Genesis 2.0T Premium 2-Dr Coupe | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Genesis 3.8 2-Dr Coupe | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Genesis 2.0T Track 2-Dr Coupe | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Genesis 4.6 4-Dr Sedan | $430 | $780 | $376 | $22 | $112 | $1,745 | $145 |
| Genesis 3.8 Track 2-Dr Coupe | $430 | $882 | $552 | $32 | $166 | $2,087 | $174 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $314 | $630 | $552 | $32 | $166 | $1,694 | $141 |
| Genesis 3.8 4-Dr Sedan | $348 | $546 | $376 | $22 | $112 | $1,404 | $117 |
| Genesis 2.0T Premium 2-Dr Coupe | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Genesis 3.8 2-Dr Coupe | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Genesis 2.0T Track 2-Dr Coupe | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Genesis 4.6 4-Dr Sedan | $348 | $630 | $376 | $22 | $112 | $1,488 | $124 |
| Genesis 3.8 Track 2-Dr Coupe | $348 | $712 | $552 | $32 | $166 | $1,810 | $151 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in vehicle garaging location which can raise or lower rates considerably.
Based on this data, using a $250 deductible costs roughly $21 more each month or $252 each year than requesting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 12 months between claim filings, you would probably come out ahead going with the higher deductible.
Drive responsibly or pay higher rates
The illustration below highlights how traffic violations and accidents can influence Hyundai Genesis yearly insurance costs for different ages of insureds. The price estimates are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
Get More Affordable Insurance Rates by Understanding These Factors
Lots of factors are used when you get a price on insurance. Some are pretty understandable such as your driving history, although others are more transparent like your continuous coverage or your commute time. One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that are used to determine auto insurance rates. When you know what positively or negatively determines base rates, this enables you to make decisions that may result in lower auto insurance prices.
Put fewer miles on your vehicle – The higher the miles on your Hyundai annually the higher your rate. Most insurance companies rate vehicles based upon how much you drive. Cars not used for work or commuting can be on a lower rate level than vehicles that are driven to work every day. A policy that improperly rates your Genesis is throwing money out the window. It’s a smart idea to ensure your auto insurance declarations sheet is rated on how each vehicle is driven.
Prevent policy lapses – Driving without insurance coverage in place is illegal and companies may charge more for letting your insurance expire. Not only will you pay more, the inability to provide proof of insurance could result in a revoked license or a big fine.
Don’t skimp on liability insurance – Liability insurance will protect you if ever a court rules you are at fault for an accident. It will provide legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
Eliminate incidental coverages – Insurance policies have a lot of optional add-on coverages that you can get tricked into buying if you aren’t diligent. Things like replacement cost coverage, death and dismemberment, and Farm Bureau memberships are some examples. They may sound like good ideas when talking to your agent, but your money might be better spent on other coverage so remove them from your policy.
Your gender affects premiums – Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean females are better at driving than males. Both genders cause at-fault accidents at a similar rate, but the men get into accidents with more damage. They also receive more costly citations such as reckless driving.
The illustration below illustrates the comparison of Hyundai Genesis insurance rates for male and female drivers. The premium estimates are based on no claims, a clean driving record, full coverage, $250 deductibles, single marital status, and no policy discounts are applied.
Loss probability for a Hyundai Genesis – Car insurance companies study historical loss data when they calculate premium prices for each model. Vehicles that are shown to have a trend towards higher claims will have higher rates for specific coverages. The table below demonstrates the insurance loss data for Hyundai Genesis vehicles.
For each type of coverage, the statistical loss for all vehicles, regardless of make or model, equals 100. Numbers that are below 100 are indicative of better than average losses, while numbers above 100 indicate higher probability of having a loss or tendency to have larger claims.
| Specific Hyundai 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
Insurance agent or online?
Many drivers just want to buy from a local agent and that is a personal choice. Experienced insurance agents are highly skilled in risk management and help file insurance claims. A good thing about comparing rates online is you can get lower rates but also keep your business local. And supporting small agencies is still important in Oakland.
To find an agent, once you fill out this quick form, the quote information is emailed to participating agents in Oakland who will give competitive quotes for your insurance coverage. You won’t need to find an agent due to the fact that quote results will go instantly to you. If you need to get a price quote from one company in particular, you would need to visit that company’s website and fill out the quote form the provide.
Oakland car insurance agents come in two flavors
If you would like to find a reliable insurance agency, it can be helpful to understand the types of agencies that you can choose from. Auto insurance policy providers may be either exclusive or independent. Either one can provide auto insurance policies, but it’s worth learning the difference between them since it may influence which agent you choose.
Independent Agents (or Brokers)
Agents that choose to be independent can quote rates with many companies so they can write business with multiple insurance companies and find you cheaper rates. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies.
If you are comparing auto insurance prices, we recommend you get several quotes from several independent agencies so that you can do a thorough price comparison. Most also write with smaller regional carriers which may provide better rates.
Shown below is a short list of independent insurance agents in Oakland that can possibly get you rate quotes.
- Western-Southern Life Insurance Co
80 Swan Way # 102 – Oakland, CA 94621 – (510) 877-4119 – View Map - Susan Bernosky – Strahan Ins Services Inc
5940 College Ave a – Oakland, CA 94618 – (510) 450-9051 – View Map - All Purpose Insurance Agency
5857 MacArthur Blvd – Oakland, CA 94605 – (510) 382-1900 – View Map
Exclusive Insurance Agencies
These agents write business for a single company and examples are American Family, State Farm, and AAA. Exclusive agents cannot compare other company’s rates so you might not find the best rates. Exclusive agents are usually well trained on the products they sell which helps offset the inability to provide other markets. Consumers sometimes buy from exclusive agents partially due to the brand name rather than having low rates.
Shown below is a list of exclusive agencies in Oakland who can help you get price quotes.
- Farmers Insurance – Mike Clauson
859 Clay St – Oakland, CA 94607 – (510) 839-3276 – View Map - Stephanie Canessa – State Farm Insurance Agent
6228 Merced Ave – Oakland, CA 94611 – (510) 339-4444 – View Map - Farmers Insurance – Yonas Hagos
220 4th St Suite 200 – Oakland, CA 94607 – (510) 763-1030 – View Map
Picking the best auto insurance agent needs to be determined by more than just the quoted price. The questions below may impact your decision as well.
- Does the agent help file claims?
- When do they do a full risk review?
- Are there any extra charges for paying monthly?
- Do they specialize in personal lines coverage in Oakland?
- Are you getting all the discounts the company offers?
Why you need Genesis insurance in California
Even though it can be expensive, buying insurance may be required and benefits you in several ways.
- Almost all states have minimum liability requirements which means state laws require a minimum amount of liability in order to license the vehicle. 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.
- If your Genesis has a loan, most banks will force you to buy full coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank may insure your Hyundai for a lot more money and make you pay for the expensive policy.
- Insurance preserves both your Hyundai Genesis and your assets. It also can pay for medical expenses incurred in an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If you have damage to your Hyundai as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance greatly outweigh the cost, particularly for liability claims. Despite what companies tell you, the average driver overpays more than $865 each year so compare rates at every policy renewal to make sure the price is not too high.
Don’t give up on cheaper coverage
When getting Oakland car insurance quotes online, you should never buy less coverage just to save a little money. There have been many cases where an insured cut full coverage only to find out that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the lowest possible cost.
Drivers leave their current company for a number of reasons such as unfair underwriting practices, lack of trust in their agent, delays in responding to claim requests and being labeled a high risk driver. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.
Cheap Hyundai Genesis insurance in Oakland is attainable from both online companies in addition to many Oakland insurance agents, so get free Oakland car insurance quotes from both of them to have the best selection. A few companies do not offer online quoting and these regional insurance providers only sell coverage through independent agencies.
Steps to buying cheaper Hyundai Genesis insurance in Oakland
The most effective way to get low-cost Hyundai Genesis insurance in Oakland is to do a yearly price comparison from different companies who sell auto insurance in California. Drivers can shop around by following these steps.
- Take a few minutes and learn about how companies price auto insurance and the steps you can take to keep rates low. Many things that drive up the price such as careless driving and poor credit history can be controlled by improving your driving habits or financial responsibility.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Allstate, while independent agents can provide price quotes from many different companies. Select a company
- Compare the quotes to your existing coverage to see if cheaper Genesis coverage is available. If you find a lower rate quote, make sure there is no lapse in coverage.
- Provide notification to your current agent or company of your intention to cancel your current policy and submit a down payment and signed policy application for your new policy. Be sure to keep your new certificate verifying coverage along with your vehicle registration.
The key thing to remember is that you use the same amount of coverage on every quote and and to get price estimates from as many auto insurance providers as possible. Doing this provides an apples-to-apples comparison and a complete price analysis.
For more information, link through to the resources below:
- Auto Insurance 101 (About.com)
- How Much is Oakland Car Insurance for a Ford Explorer? (FAQ)
- How Much are Oakland Car Insurance Rates for a Jeep Grand Cherokee? (FAQ)
- Who Has Affordable Auto Insurance for Used Cars in Oakland? (FAQ)
- Neck Injury FAQ (iihs.org)
- Crash Avoidance Technologies FAQ (iihs.org)
- Vehicle Size and Weight FAQ (iihs.org)