1991 Hyundai Excel Car Insurance Cost – 8 Tips for Best Prices

Want the cheapest auto insurance rates for your Hyundai Excel? Are you tired of paying out the nose each month for car insurance? You’re in the same situation as many other drivers. Companies like Progressive, Geico and Farmers Insurance promote their brand names with ads and it can be hard to see through the cute green geckos and mayhem and find the best price available.

Smart consumers take time to shop coverage around at least once a year because rates are variable and change quite frequently. Even if you think you had the lowest price on Excel coverage last year you can probably find a better price now. Block out anything you think you know about auto insurance because we’re going to demonstrate how to use online quotes to find better coverage at a better price.

How to save on Hyundai Excel insurance

Insurance can cost an arm and a leg, buy you may qualify for discounts to help offset the cost. Some trigger automatically at quote time, but lesser-known reductions have to be manually applied prior to receiving the credit. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% on Excel coverage.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you will save up to 20% off your total premium.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education in high school.
  • Accident Waiver – Certain companies permit an accident before your rates go up if you are claim-free prior to the accident.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, you won’t be that lucky. But any discount will reduce your overall premium however.

To see a list of insurance companies who offer car insurance discounts, click here.

Tailor your coverage to you

When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions might help in determining if you would benefit from professional advice.

  • When should my teen driver be added to my policy?
  • Is my custom paint covered by insurance?
  • Is a blown tire covered by insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my friends covered when driving my 1991 Hyundai Excel?
  • Am I covered when driving on a suspended license?
  • Should I buy only the required minimum liability coverage?
  • Do I need motorclub coverage?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Car insurance ads bend the truth

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm and Allstate. They all seem to make an identical promise that you’ll save big if you move your coverage to them.

How does each company claim to save you money?

Insurance companies have a certain “appetite” for the driver that earns them a profit. For example, a driver they prefer could be over the age of 50, is a homeowner, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t measure up to the requirements will have to pay higher premiums which usually ends up with business going elsewhere. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. This is how companies can truthfully make those claims.

Because of the profiling, drivers should get quotes from several different companies. It is impossible to predict the company that will fit your personal profile best.

Coverages available on your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. These are typical coverages available from car insurance companies.

Liability coverage

This provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like funeral expenses, medical services, pain and suffering and loss of income. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, falling objects and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, hitting a parking meter, rolling your car, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills like funeral costs, pain medications and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Hyundai Excel.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Saving money is sweet as honey

Affordable 1991 Hyundai Excel insurance can be purchased online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies do not provide online quoting and these smaller companies work with independent agents.

In this article, we presented a lot of techniques to compare insurance prices online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits only to find out that the savings was not a smart move. Your focus should be to find the BEST coverage at the best price while still protecting your assets.

Much more information about auto insurance is available at these links: