How Much Does 2015 Hyundai Equus Insurance Cost?

Having to pay for overpriced insurance can overdraw your savings account and put a big crunch on your finances. Doing a price comparison is a great way to make sure you’re not throwing money away. There are many insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, it can be more challenging to find a good deal.

Auto Insurance Prices Online

There are a lot of ways to compare auto insurance prices and some are easier and takes less work. You could waste a few hours talking about coverages with local insurance agents in your area, or you can utilize the web to get the quickest rates.

Most of the larger companies belong to an insurance system where insurance shoppers send in one quote, and every company provides a quote for coverage. This eliminates the need for repetitive form submissions for each company you want a rate for.

To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to using this type of system is that you can’t choose the companies to receive prices from. If you wish to select specific providers to compare prices, we have assembled a list of auto insurance companies in your area. Click here to view list.

However you get your quotes, double check that you are using the exact same coverage information for every quote you compare. If you have higher or lower deductibles it will be very difficult to make an equal comparison.

Don’t overlook these discounts

Car insurance can cost a lot, but you can get discounts to cut the cost considerably. Most are applied when you get a quote, but a few must be requested specifically prior to getting the savings. If you’re not getting every credit possible, you are throwing money away.

  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance from them.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you will save at least 10% off all policies.
  • Multiple Cars – Insuring all your vehicles with the same company may reduce the rate for each vehicle.

It’s important to note that most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous. But all discounts will reduce your premiums.

Insurance companies that may offer these discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts might not apply in your area.

Is my situation unique?

When buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different so this has to be addressed. For example, these questions can aid in determining if you may require specific advice.

  • How high should my medical payments coverage be?
  • How much can I save by bundling my policies?
  • Is my state a no-fault state?
  • Where can I find high-risk insurance?
  • What vehicles should carry emergency assistance coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Why does it cost so much to insure a teen driver?
  • What is the difference between comprehensive and collision coverage?
  • Can I afford to buy a different vehicle if my 2015 Hyundai Equus is totaled?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2015 Hyundai Equus.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Liability auto insurance – This coverage will cover injuries or damage you cause to other people or property. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, repair bills for other people’s vehicles, attorney fees, court costs and pain and suffering. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, vandalism, a broken windshield, fire damage and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like pain medications, funeral costs and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This will pay to fix damage to your Equus resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like rolling your car, hitting a mailbox, sideswiping another vehicle, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.