1999 Hyundai Tiburon Insurance Rates – 6 Discounts for Cheapest Quotes

Looking for better car insurance rates for your Hyundai Tiburon? Paying for high-priced Hyundai Tiburon insurance can eat up your monthly budget, especially in this economy. Doing a price comparison can be a smart way to reduce premiums and put more money in your pocket.

Online insurance companies like GEICO, Progressive and Allstate constantly bombard you with fancy advertisements and consumers find it hard to see past the corporate glitz and take the time to shop coverage around.

If you currently have car insurance, you will most likely be able to cut costs considerably using this information. Finding the best rates is not rocket science. But car owners do need to learn the way companies price insurance differently.

Cheap insurance

There are several ways of comparing rate quotes from many insurance companies in your state. The simplest method to find the lowest 1999 Hyundai Tiburon rates consists of shopping online. This can be done by using one of the methods below.

  1. The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do separate quote forms for every prospective company. One quote request gets coverage cost estimates instantly.
  2. A less efficient way to shop for insurance online is going to the website of each company and request a quote. For example, we’ll pretend you want to view quotes from Nationwide, Liberty Mutual and GMAC. To get rate quotes you would need to visit each site to enter the same coverage data repeatedly, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just try to use identical coverage limits on every price quote you get. If your comparisons have mixed coverages it will be nearly impossible to make a fair comparison for your Hyundai Tiburon. Just slight variations in coverage limits could skew the results. It’s important to know that comparing all the rates in your area gives you a better chance of getting a lower rate.

Take these six policy discounts and save

Auto insurance is not an enjoyable expense, but you may qualify for discounts to cut the cost considerably. Many discounts should be triggered when you purchase, but a few must be inquired about before you get the savings.

  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Homeowners Pay Less – Owning a home may trigger a policy discount on auto insurance since owning and maintaining a home demonstrates responsibility.
  • Defensive Driver – Completing a class that teaches defensive driving techniques could cut 5% off your bill and easily pay for the cost of the class.
  • Theft Deterent Discount – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Employee of Federal Government – Active or former government employment could cut as much as 10% off on Tiburon insurance depending on your auto insurance provider.

As is typical with insurance, many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, that’s just not realistic.

A few of the larger companies and a partial list of their discounts include:

  • GEICO may have discounts that include anti-lock brakes, air bags, good student, defensive driver, membership and employees, and anti-theft.
  • USAA discounts include loyalty savings, good student, vehicle storage, defensive driver, family discount, and new vehicle.
  • Progressive policyholders can earn discounts including online signing, homeowner, online quote discount, multi-vehicle, continuous coverage, good student, and multi-policy.
  • American Family has discounts for TimeAway discount, mySafetyValet, multi-vehicle, early bird, good student, Steer into Savings, and good driver.
  • Esurance includes discounts for good driver, online quote, homeowner, DriveSense, and emergency road assistance.
  • Farmers Insurance offers premium reductions for homeowner, mature driver, teen driver, multi-car, switch companies, early shopping, and electronic funds transfer.
  • State Farm has savings for safe vehicle, Drive Safe & Save, student away at school, good student, and accident-free.

Double check with each company or agent the best way to save money. Depending on the company, some discounts might not be offered in your area.

Which policy gives me the best coverage?

When choosing proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so this has to be addressed. These are some specific questions might help in determining if your situation might need an agent’s assistance.

  • Do I need replacement cost coverage on my 1999 Hyundai Tiburon?
  • I have a DUI can I still get coverage?
  • Does my 1999 Hyundai Tiburon need full coverage?
  • Is my camper covered by my car insurance policy?
  • When do I need to add a new car to my policy?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Can you really save if you switch?

Well-known car insurance companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. All the companies make the point that drivers can save some big amount if you change your policy. How is it possible that every company can make the same claim? You have to listen carefully.

All the different companies quote the lowest rates for the type of driver that earns them the most money. For example, a profitable insured could possibly be a female over age 40, is a homeowner, and chooses high deductibles. Anybody who matches those parameters may get the lowest premium rates and will probably save quite a bit of money when switching.

Consumers who fall short of these criteria will see higher premiums which usually ends up with the prospect going elsewhere. The ads state “drivers that switch” not “everyone that quotes” save the amount stated. That’s why companies can truthfully make those statements. Because each company has a different risk profile, you should compare as many free insurance coverage quotes as you can. It is impossible to guess with any certainty which company will fit you best based on your risk profile.

Insurance specifics

Having a good grasp of insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

Liability car insurance – This coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things such as emergency aid, repair costs for stationary objects, pain and suffering and structural damage. How much coverage you buy is your choice, but consider buying as much as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for pain medications, surgery, EMT expenses, funeral costs and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Hyundai Tiburon.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverages – Collision insurance will pay to fix damage to your Tiburon resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, crashing into a building, sideswiping another vehicle, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

A little work can save a LOT of money

We covered a lot of ways to save on 1999 Hyundai Tiburon insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding affordable insurance coverage. Consumers could even find that the lowest priced auto insurance comes from a small mutual company. These smaller insurers can often provide lower prices in certain areas as compared to the big name companies such as State Farm and Allstate.

Cheap 1999 Hyundai Tiburon insurance is attainable from both online companies and with local insurance agents, so you should compare both to have the best rate selection. Some auto insurance companies may not provide the ability to get a quote online and most of the time these regional insurance providers work with independent insurance agencies.

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