With a unique following, attractive lines, V6 engine and 348 horsepower, the Hyundai Genesis Coupe is an affordable alternative to much pricier sports cars. It can also be just as much fun to drive.
U.S. News & World Report ranks the Genesis Coupe #9 in sports cars, and Car and Driver ranks it #4 among sports cars and convertibles. But like any other sports coupe, it needs great protection.
If you are considering buying one, you’ll want to know more about it so you can choose the best auto insurance for your Hyundai Genesis Coupe. If you already own one, you’ll want to make sure you’ve got enough coverage or you’re not overpaying for what you already have.
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Is the Hyundai Genesis Coupe Safe to Drive?
Since it is produced in such low numbers, the Genesis has not been extensively crash tested. In fact, the Insurance Institute for Highway safety has not tested the Genesis Coupe at all for that very reason, but the National Highway Traffic Safety Administration has.
They tested the coupe for crash-worthiness involving rollover accidents and gave it a perfect five out of five stars. Here are some of the safety and security features included in the Hyundai Genesis:
- Anti-lock brake system
- Front and rear head airbags
- Dual front side-mounted airbags
- Anchors for child seats
- Emergency braking assistance
- Ventilated front disc brakes
- Solid rear disc brakes
- Automatic dusk sensing headlamps
- Passenger airbag occupant sensing deactivation
- Turn signal mirrors
- Stability and traction control
- Tire pressure monitoring
Costs of Ownership and Hyundai Genesis Coupe Insurance
Owning a Hyundai Genesis Coupe over five years will cost approximately $42,000. As expected, fuel costs play a major role, as well as insurance. Maintenance is surprisingly low until year five, when major items will more than likely need to be replaced or refurbished. The cost for maintenance at that point more than triples.
The good news is that the safety features could result in lower insurance costs. Multiple airbag systems and traction control mean there is a much lower risk of an accident or serious injury should an accident occur.
Of course, there are other factors that come into play as well. Working with a Trusted Choice® agent can help you determine which of the following will have an impact on your Genesis Coupe insurance:
- Market Value: Generally speaking, the more expensive the vehicle, the more expensive your insurance premium will be.
- Repair Cost: Since sports cars generally have more specialized components than other vehicles, the cost to replace or repair those components when they are damaged can be rather expensive. That pushes the cost of comprehensive and collision damage upward.
- Vehicle History with Other Drivers: Insurance companies consider the real-world performance of each model based on who typically drives that vehicle. This is the reason minivans are so cheap to insure. Most of the time, they are driven by responsible parents with small children in tow.
Though these factors play a role, this is not an exhaustive list by any means. Higher horsepower can also increase your premium. People who own more powerful cars typically drive at higher speeds, and are more likely to be involved in accidents.
The type of transmission your vehicle has can be a contributor to higher premiums. Sports cars with manual transmissions are usually more expensive to insure because their drivers are usually more aggressive than other motorists.
Vehicle size and speed are also important. Sports cars are small and can go really fast, so the higher potential for an accident results in higher insurance premiums.
It does not stop here. Your driving record plays a part, along with how much you intend to use your car, your age, gender and location. Finally, don't forget your credit score and the amount of coverage you purchase. All of these factors work together to determine your insurance premium.
Getting the Best Hyundai Genesis Insurance
Ultimately, you will want to speak with a Trusted Choice independent agent to help with Hyundai Genesis Coupe insurance. They have the resources to find fast, accurate quotes and will allow you to review options from multiple insurance companies.
This does not tie you down to one specific company, but allows you to shop according to price and coverage. Furthermore, your Trusted Choice agent can bundle vehicles together or bundle home and auto insurance policies under one company to give you the best value.
Finally, your agent will help you navigate issues such as coverage limits, pricing and deductibles so you can choose a plan that best fits your lifestyle. Find a local independent agent to help you find Hyundai Genesis insurance.