Do you want the cheapest car insurance rates in Fresno, CA? Fresno shoppers have many options when shopping for low-cost Hyundai Genesis insurance. They can either waste time calling around to get rate comparisons or utilize the internet to find the lowest rates. There is a better way to compare car insurance rates and we’ll show you the proper way to get price quotes for your Hyundai and obtain the best price possible from Fresno insurance agents and online providers.
It’s a great practice to get comparison quotes occasionally because car insurance rates tend to go up over time. Just because you had the best premium rates on Hyundai Genesis insurance in Fresno a year ago the chances are good that you can find a lower price today. Ignore everything you know about car insurance because you’re about to find out the fastest way to buy cheaper Hyundai Genesis insurance in Fresno.
If you are insured now or just want to reduce your rates, take advantage of these tips to get lower rates while maintaining coverages. This information will instruct you on how car insurance quotes work and also save some money in the process Smart buyers just have to understand the quickest method to quote multiple rates online from multiple companies.
The companies in the list below have been selected to offer price quotes in Fresno, CA. To get the best car insurance in California, we recommend you click on several of them to find the cheapest car insurance rates.
Take policy discounts and save on Hyundai Genesis insurance in Fresno
Companies offering auto insurance do not list the entire discount list very well, so the next list breaks down some of the more common as well as the least known savings tricks you should be using when you buy Fresno auto insurance online. If you don’t get every credit available, you could be saving more on your insurance.
- Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you can avoid the installment charge.
- Telematics Devices – Policyholders that allow companies to track driving manner by using a telematic data system such as Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
- Student Discounts – Being a good student may save as much as 25% on a Fresno auto insurance quote. This discount can apply up to age 25.
- Low Mileage – Fewer annual miles on your Hyundai may allow you to get cheaper premium rates.
- Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
- Claim Free – Insureds with no claims or accidents pay less in comparison with drivers who are more careless.
- Cautious Driver Discount – Safe drivers may receive a discount up to 45% as compared to drivers with claims.
- Active Military Service – Being on active deployment in the military could trigger a small discount.
- New Car Discount – Buying a new car model may earn a small discount since new vehicles are generally safer.
A quick disclaimer, most credits do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, it’s just not the way it works.
The example below shows the difference between Hyundai Genesis premium costs with and without policy discounts. Data assumes a male driver, no claims or driving violations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, marriage, claim-free, and safe-driver discounts applied.
The best insurance companies and a summarized list of policyholder discounts can be found below.
- GEICO offers discounts for five-year accident-free, anti-lock brakes, seat belt use, daytime running lights, emergency military deployment, and multi-vehicle.
- Travelers policyholders can earn discounts including hybrid/electric vehicle, multi-policy, multi-car, student away at school, good student, and continuous insurance.
- Nationwide discounts include good student, accident-free, business or organization, anti-theft, easy pay, and Farm Bureau membership.
- Farmers Insurance has savings for bundle discounts, electronic funds transfer, distant student, pay in full, and alternative fuel.
- Esurance may include discounts for safety device, online shopper, Switch & Save, emergency road assistance, good driver, and multi-policy.
- State Farm offers discounts including accident-free, good student, Steer Clear safe driver discount, passive restraint, anti-theft, and driver’s education.
- Progressive may have discounts that include multi-vehicle, online quote discount, multi-policy, continuous coverage, online signing, and good student.
- Mercury Insurance has discounts for ease of repair, accident-free, good driver, age of vehicle, and multi-car.
It’s a good idea to ask every company the best way to save money. Some discounts may not be offered in Fresno. To locate companies that offer multiple discounts in Fresno, follow this link.
Hyundai Genesis insurance charts and tables
The coverage information displayed next outlines detailed analysis of prices for Hyundai Genesis models. Knowing how auto insurance policy rates are figured is important for making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $390 | $856 | $568 | $34 | $170 | $2,018 | $168 |
| Genesis 3.8 4-Dr Sedan | $436 | $744 | $386 | $22 | $116 | $1,704 | $142 |
| Genesis 2.0T Premium 2-Dr Coupe | $436 | $856 | $568 | $34 | $170 | $2,064 | $172 |
| Genesis 3.8 2-Dr Coupe | $436 | $856 | $568 | $34 | $170 | $2,064 | $172 |
| Genesis 2.0T Track 2-Dr Coupe | $436 | $856 | $568 | $34 | $170 | $2,064 | $172 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $436 | $856 | $568 | $34 | $170 | $2,064 | $172 |
| Genesis 4.6 4-Dr Sedan | $436 | $856 | $386 | $22 | $116 | $1,816 | $151 |
| Genesis 3.8 Track 2-Dr Coupe | $436 | $970 | $568 | $34 | $170 | $2,178 | $182 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price estimates do not factor in specific location which can revise rates significantly.
Rate comparison for different deductibles
One common question asked by Fresno drivers is how high should your deductibles be. The rates below determine the differences in premium rates between low and high physical damage coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second data table uses a $1,000 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 | $238 | $490 | $552 | $32 | $166 | $1,478 | $123 |
| Genesis 3.8 4-Dr Sedan | $266 | $426 | $376 | $22 | $112 | $1,202 | $100 |
| Genesis 2.0T Premium 2-Dr Coupe | $266 | $490 | $552 | $32 | $166 | $1,506 | $126 |
| Genesis 3.8 2-Dr Coupe | $266 | $490 | $552 | $32 | $166 | $1,506 | $126 |
| Genesis 2.0T Track 2-Dr Coupe | $266 | $490 | $552 | $32 | $166 | $1,506 | $126 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $266 | $490 | $552 | $32 | $166 | $1,506 | $126 |
| Genesis 4.6 4-Dr Sedan | $266 | $490 | $376 | $22 | $112 | $1,266 | $106 |
| Genesis 3.8 Track 2-Dr Coupe | $266 | $556 | $552 | $32 | $166 | $1,572 | $131 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can influence prices considerably.
Based on this data, using a $250 deductible could cost the average driver approximately $39 more each month or $468 for a full year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 19 months between claims, you would probably come out ahead if you choose the higher deductible. The table below shows the way you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $160 |
| Average monthly premium for $1,000 deductibles (subtract): | – $121 |
| Monthly savings from raising deductible: | $39 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $39 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One thing to note is that increasing deductibles to save money means you will have to cover more of the damage yourself when you do file a claim. That will necessitate enough extra savings in the event you have to pay the deductible.
The illustration below demonstrates how choosing different deductibles and can impact Hyundai Genesis insurance costs for different age categories. The costs are based on a single male driver, full coverage, and no other discounts are factored in.
Full coverage versus liability-only
The illustration below shows the comparison of Hyundai Genesis insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims or driving citations, $250 deductibles, single status, and no additional discounts are factored in.
Should you buy full coverage or liability only?
There is no set rule that works best for making the decision to drop comp and collision coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Hyundai Genesis claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after paying your deductible. If you are paying over $800 annually for full coverage, then you may need to consider dropping full coverage.
There are some cases where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Choices You Make Can Impact Your Insurance Premiums
Multiple criteria are considered when pricing auto insurance. Some of the criteria are obvious such as your driving history, although some other factors are more transparent like your continuous coverage or how safe your car is.
The itemized list below are a few of the “ingredients” utilized by car insurance companies to help set rates.
- Certain employers raise rates – Did you know your career choice can influence rates? Occupations like fire fighters, social workers, and dentists are shown to have higher average rates because of intense work situations and long work days. On the flip side, careers like scientists, historians and retirees have the lowest average rates.
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More performance means higher costs – The performance level of the vehicle you need to insure makes a significant difference in how high your rates are. The lowest rates are for low performance passenger vehicles, but that’s not the only thing that factors into the final price.
The next chart uses these variables: married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It illustrates Hyundai Genesis insurance premiums compared to other makes and models that have a range of risk factors.
- Avoid unnecessary extra policy coverages – Policies have extra coverages that can waste your money on your insurance policy. Insurance for roadside assistance, accident forgiveness, and membership fees may be costing you every month. The coverages may be enticing when talking to your agent, but if you’ve never needed them in the past consider taking them off your policy.
- Get hitched and pay less – Getting married may earn you lower rates on your policy. Having a significant other generally demonstrates drivers are more stable financially and statistics show married couples file fewer claims.
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Get a ticket, pay higher prices – Good drivers pay less for auto insurance compared to bad drivers. Having a single speeding ticket or other violation could increase your next policy renewal substantially. Drivers with careless tickets like DUI, reckless driving or excessive speeding may need to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive a vehicle.
The diagram below demonstrates how citations and at-fault fender-benders can raise Hyundai Genesis annual premium costs for different age groups of insureds. The data assumes a married female driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
- Pay less with a high IIHS safety rating – Vehicles with good safety scores get lower rates. Highly rated vehicles reduce the chance of injuries and reduced instances of injuries means your insurance company pays less and thus lower rates. If your Hyundai Genesis is rated at a minimum four stars on Safercar.gov you may be receiving a better rate.
- How many miles do you drive? – The more you drive in a year’s time the more you’ll pay to insure your vehicle. A lot of insurance companies charge rates based on how the vehicle is used. Vehicles that sit idle most of the time receive lower rates than those that get driven frequently. Having an incorrect usage rating on your Genesis may be costing you higher rates. Verify your declarations sheet correctly shows the correct usage for each vehicle, because it can save money.
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Hyundai Genesis insurance loss data – Insurers use historical loss data when they file their rates in each state. Models that historically have increased losses will have higher rates for specific coverages.
The table below shows the collected loss data for Hyundai Genesis vehicles. For each type of coverage, the claim probability for all vehicles averaged together equals 100. Percentages below 100 imply a favorable loss record, while percentages above 100 indicate frequent claims or larger claims.
Hyundai Genesis Insurance Claim Statistics 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When should I contact an insurance agency?
A small number of people just want to visit with an insurance agent and that is not a bad decision Good agents are highly skilled in risk management and help file insurance claims. The biggest benefit of comparing insurance online is that drivers can save money and get lower rates and still have a local agent.
To help locate an agent, after submitting this simple form, your information is submitted to insurance agents in Fresno that can give you free Fresno auto insurance quotes and help you find cheaper coverage. There is no reason to leave your computer due to the fact that quote results will go to you directly. If you need to compare rates for a specific company, just jump over to their website and fill out the quote form the provide.
Picking the best provider should include more criteria than just a low price. Here are some questions you might want to ask.
- Has the agent ever had any license suspensions?
- Does their agency support local causes in Fresno?
- Do they have any clout with companies to ensure a fair claim settlement?
- How long have they worked with personal auto insurance coverage?
- Are there any extra charges for paying monthly?
Car insurance agents in Fresno come in two varieties
If you’re trying to find a local Fresno insurance agency, it can be helpful to understand the types of insurance agents to choose from. Agents in Fresno can either be independent or exclusive depending on the company they work for. Both can insure your vehicles properly, but it’s important to know the difference in how they write coverage since it could factor into the type of agent you choose.
Exclusive Agencies
These agents are contracted to one company such as American Family, State Farm, and Allstate. They usually cannot provide rate quotes from other companies so they are skilled at selling on more than just price. These agents are highly trained in insurance sales which helps offset the inability to provide other markets. A lot of people buy from exclusive agents partially due to the prominence of the brand rather than having the cheapest rates.
The following are Fresno exclusive agencies who may provide you with rate quotes.
- Marc Bomarito – State Farm Insurance Agent
9497 N Fort Washington Rd Ste 101 – Fresno, CA 93730 – (559) 224-8660 – View Map - Greg Caves – State Farm Insurance Agent
7740 N Fresno St #103 – Fresno, CA 93720 – (559) 435-7500 – View Map - Mark Headrick State Farm®
1020 E Perrin Ave #101 – Fresno, CA 93720 – (559) 433-3733 – View Map
Independent Insurance Agents
These agents are not limited to a single company so they can insure your vehicles with a variety of different insurance companies depending on which coverage is best. If they find a cheaper price, the agent simply finds a different carrier and you don’t have to switch agencies. If you are comparing rate quotes, you absolutely need to get some free quotes from at least one independent agent to get the best comparison. Many independent agencies also insure through companies that do not advertise much that may have much lower rates than larger companies.
Shown below is a list of independent agencies in Fresno that can give you comparison quotes.
- Central Auto Insurance
3668 W Shaw Ave – Fresno, CA 93711 – (559) 275-9911 – View Map - United Valley Insurance Services
3245 W Figarden Dr – Fresno, CA 93711 – (559) 256-2500 – View Map - Nationwide Insurance: Maffei Ins and Fin Services
5633 W Figarden Dr Ste 104 – Fresno, CA 93722 – (559) 322-3355 – View Map
Shop smart and save
The cheapest Hyundai Genesis insurance in Fresno can be found from both online companies in addition to many Fresno insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies don’t offer rate quotes online and many times these regional carriers work with independent insurance agencies.
As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your focus should be to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.
Consumers leave their current company for a number of reasons such as policy cancellation, questionable increases in premium, lack of trust in their agent or not issuing a premium refund. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.
How to find affordable Hyundai Genesis insurance in Fresno
The preferred way to get affordable car insurance rates in Fresno is to do an annual price comparison from different companies that sell auto insurance in California. You can shop around by completing these steps.
First, try to comprehend auto insurance and the measures you can control to prevent rate increases. Many factors that drive up the price like your driving record and an unacceptable credit score can be eliminated by making minor changes to your lifestyle.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or State Farm, while independent agents can provide rate quotes from many different companies.
Third, compare the quotes to your current policy premium and determine if there is any savings. If you find better rates and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, provide notification to your current company of your intent to cancel your current coverage. Submit a signed application and payment to your new company or agent. Immediately upon receiving it, put the proof of insurance certificate along with your vehicle registration.
One thing to remember is that you’ll want to compare identical coverage information on each price quote and and to get rate quotes from as many different insurance providers as possible. Doing this helps ensure the most accurate price comparison and a complete price analysis.
For more information, feel free to browse the following helpful articles:
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Real Estate Agents in Fresno? (FAQ)
- What Insurance is Cheapest for Immigrants in Fresno? (FAQ)
- How Much are Car Insurance Quotes for Low Mileage Drivers in Fresno? (FAQ)
- Who Has Affordable Car Insurance for Drivers with Good Credit in Fresno? (FAQ)
- Who Has Affordable Auto Insurance for Single Moms in Fresno? (FAQ)
- How Much is Auto Insurance for a Nissan Versa in Fresno? (FAQ)
- Who Has Cheap Auto Insurance for Business Use in Fresno? (FAQ)
- How Much are Auto Insurance Quotes for Uninsured Drivers in Fresno? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- Tools for Teen Driving Safety (State Farm)
- Car Insurance FAQ (Trusted Choice)