Has it been a year or more since you last compared quotes for more affordable Hyundai Tiburon insurance in Irvine? Are you baffled by the sheer number of auto insurance companies in Irvine? There are so many companies to choose from that it can quickly become a difficult challenge to lower your prices for Hyundai Tiburon insurance in Irvine. Irvine is the perfect city to reside in, but pricey auto insurance can make it hard to be able to afford adequate coverage.
It’s an obvious assumption that auto insurance companies want to keep your business as long as possible. Insureds who shop for lower rates will probably switch companies because there is a good probability of finding lower rate quotes. A study discovered that consumers who regularly compared price quotes saved an average of $70 a month compared to drivers who never compared prices.
If finding the cheapest price on auto insurance in Irvine is your goal, then having some knowledge of how to quote prices and compare insurance coverage can make the process more efficient.
You need to shop coverage around on a regular basis because insurance rates are usually higher with each renewal. Even if you got the best rate on Hyundai Tiburon insurance in Irvine a year ago there is a good chance you can find better prices now. Block out anything you think you know about auto insurance because I’m going to teach you one of the easiest ways to remove unneeded coverages and save money.
If you are insured now, you will surely be able to get lower rates using the techniques presented in this article. This information will familiarize you with the most effective ways to compare rates and how to save the most money. But California drivers should learn how companies calculate your insurance rates and use it to find better rates.
There are several ways to get quotes from many available car insurance companies in California. By far the easiest way to compare Hyundai Tiburon insurance prices involves getting comparison quotes online. When comparison shopping, comparing a wide range of rates increases the chance that you will find a lower rate than you’re paying now. Not every company does Irvine Tiburon insurance quotes online, so you should also compare quotes from the smaller companies as well.
The following companies have been selected to offer comparison quotes in California. To find the cheapest car insurance in Irvine, CA, we suggest you compare several of them to find the cheapest car insurance rates.
Three reasons auto insurance is important
Despite the high cost, maintaining insurance is mandatory in California but it also protects more than you think.
- The majority of states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability insurance in order to get the vehicle licensed. 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 Hyundai has a lienholder, almost all lenders will require that you carry insurance to guarantee payment of the loan. If the policy lapses, the bank may insure your Hyundai for a much higher rate and require you to fork over for the expensive policy.
- Auto insurance protects not only your vehicle but also your assets. It also can pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage will also pay attorney fees if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, your auto insurance policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your car definitely exceed the cost, particularly if you ever have a claim. The average driver in America overpays more than $865 each year so you should quote rates each time the policy renews to make sure the price is not too high.
Insurance discounts are available to get cheap rates
Insuring your fleet can be pricey, but you might already qualify for some discounts that many people don’t even know exist. Certain credits will be shown at the time of purchase, but some must be asked for prior to receiving the credit. If you’re not getting every credit possible, you are throwing money away.
- Safety Restraint Discount – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
- Good Student Discount – A discount for being a good student could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
- Pay Upfront and Save – If you can afford to pay the entire bill instead of paying each month you could save up to 5%.
- Accident Free – Insureds with no claims or accidents have much lower rates when compared with drivers who are more careless.
- Multiple Cars – Purchasing coverage when you have several vehicles on one policy can reduce rates for all insured vehicles.
- Safety Course Discount – Participating in a course in driver safety may get you a small discount if your company offers it.
- First Accident Forgiveness – This one isn’t a discount, but companies like GEICO, Allstate and Liberty Mutual will forgive one accident before your rates go up if you are claim-free for a set time period.
Don’t be shocked that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies aren’t that generous.
To locate companies that can offer you the previously mentioned discounts in California, click this link.
Insurance is available from local agents
Many drivers prefer to talk to an insurance agent and that is a smart decision An additional benefit of comparing rate quotes online is you can get better rates but still work with a licensed agent.
After completing this simple form, your insurance coverage information is instantly submitted to agents in your area who want to provide quotes and help you find cheaper coverage. You won’t need to contact any insurance agencies because prices are sent immediately to you. It’s the lowest rates without the usual hassles of price shopping. In the event you want to compare prices from a particular provider, you would need to search and find their rate quote page and complete a quote there.
Choosing the best insurance company should depend on more than just the bottom line cost. Ask your prospective agent these questions:
- How are claims handled?
- Will the quote change when the policy is issued?
- Will you get a loaner vehicle if you car is being repaired?
- Who is covered by the car insurance policy?
- Are there any discounts that you might be missing?
If you want to use a good Irvine insurance agent, you must know there are a couple different types of agencies that you can select. Agencies in Irvine can be described as either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agencies
These agents can only provide pricing for a single company like State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. Exclusive insurance agents receive extensive training on their company’s products and that enables them to sell even at higher rates. Drivers often choose to use a exclusive agent primarily because of the brand rather than low price.
Shown below is a list of exclusive agencies in Irvine willing to provide price quote information.
- Chris Barr – State Farm Insurance Agent
17802 Irvine Blvd a121 – Tustin, CA 92780 – (714) 544-2558 – View Map
- State Farm: Jim Canty
3200 El Camino Real #110 – Irvine, CA 92602 – (949) 769-2600 – View Map
- Allstate Insurance: Jeff Adams
4860 Irvine Blvd Ste 206 – Irvine, CA 92620 – (714) 505-2457 – View Map
Independent Insurance Agents
Agents of this type are normally appointed by many insurers and that enables them to quote your coverage with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and that require little work on your part.
When comparing rates, you definitely need to get rate quotes from a couple of independent agencies to ensure the widest selection of prices. Most independent agents also contract with lesser-known insurance companies that many times have cheaper rates.
Shown below is a short list of independent insurance agents in Irvine that are able to give price quotes.
- Roger Stone Insurance Agency
5015 Birch St – Newport Beach, CA 92660 – (949) 757-0270 – View Map
- Peter Green Insurance Agency LLC
3151 Airway Ave Suite F203 – Costa Mesa, CA 92626 – (714) 258-2800 – View Map
- Morning Star Agency Insurance Services Incorporated
1340 Reynolds Ave #103 – Irvine, CA 92614 – (949) 833-2030 – View Map
Once you have positive responses to any questions you have in addition to an acceptable price estimate, chances are good that you have found an auto insurance agent that meets the criteria to insure your vehicles.
How to find a good California car insurance company
Choosing the best company is difficult considering how many choices you have in Irvine. The rank data in the next section could help you pick which insurers you want to consider when comparing rate quotes.
Top 10 Irvine 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 Irvine Car Insurance Companies Overall
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Insurance coverage options for a Hyundai Tiburon
Having a good grasp of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.
Comprehensive (Other than Collision)
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like theft, a broken windshield, fire damage, vandalism and damage from flooding. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability insurance can cover damage or injury you incur to a person or their property in an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 15/30/5 that translate to $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property.
Liability coverage pays for claims like legal defense fees, funeral expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but you should think about purchasing more coverage.
The next chart demonstrates why buying the state minimum limits may not be enough.
Coverage for collisions
This coverage covers damage to your Tiburon resulting from colliding 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 things like rolling your car, colliding with another moving vehicle, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible on your Tiburon to save money on collision insurance.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like X-ray expenses, doctor visits, funeral costs, hospital visits and pain medications. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (which is 15/30/5), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Don’t give up on cheaper rates
When shopping online for insurance, you should never reduce coverage to reduce premium. In many instances, someone dropped uninsured motorist or liability limits and learned later they didn’t have enough coverage. Your goal is to find the BEST coverage at the best cost, but do not skimp to save money.
A few companies do not offer online price quotes and these small insurance companies sell through independent insurance agents. Cheaper insurance in Irvine is available from both online companies and also from your neighborhood Irvine agents, so you should compare both in order to have the best price selection to choose from.
You just read a lot of tips how to reduce Hyundai Tiburon insurance rates online in Irvine. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may even discover the lowest rates come from a smaller regional carrier.
Steps to saving on Hyundai Tiburon insurance in Irvine
If saving the most money is your goal, then the best way to find affordable auto insurance rates in Irvine is to regularly compare prices from different companies who sell insurance in California.
Step 1: Read about how companies set rates and the modifications you can make to prevent expensive coverage. Many rating factors that drive up the price such as traffic violations, accidents, and a not-so-good credit history can be improved by making minor driving habit or lifestyle changes.
Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can quote rates from multiple companies. Start a quote
Step 3: Compare the quotes to your current policy to determine if you can save on Tiburon insurance. If you find a lower rate and change companies, ensure coverage does not lapse between policies.
Step 4: Give notification to your current company of your intention to cancel your current auto insurance policy and submit any necessary down payment along with the completed application to the new insurer. Immediately upon receiving it, put the certificate verifying proof of insurance somewhere easily accessible.
The most important part of this process is to make sure you enter identical coverage information on each quote and and to compare as many carriers as you can. This ensures the most accurate price comparison and plenty of rates choose from.
For more information, feel free to visit the resources below:
- Frontal Crash Tests (iihs.org)
- Who Has the Cheapest Irvine Car Insurance Quotes for a Nissan Altima? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Welfare Recipients in Irvine? (FAQ)
- How Much are Irvine Car Insurance Rates for a Toyota RAV4? (FAQ)
- Who Has Cheap Auto Insurance for 4×4 Vehicles in Irvine? (FAQ)
- Who Has the Cheapest Car Insurance for 17 Year Olds in Irvine? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Tread Depth and Tire Safety (State Farm)