Cheap 1997 Hyundai Sonata Insurance Quotes

There isn’t anyone who enjoys paying for auto insurance, especially when they are aware that the prices are way too high.

Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with ads and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

Smart consumers take time to get comparison quotes as often as possible because prices are rarely the same from one policy term to another. Even if you got the lowest price on Sonata insurance last year you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the quickest ways to reduce your cost while improving coverage.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. Finding the best rates is easy if you know what you’re doing. But vehicle owners do need to understand the methods companies use to price insurance differently and use this information to your advantage.

Take policy discounts and save

Insurance can cost an arm and a leg, but you may be missing some discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you purchase, but some may not be applied and must be asked about before being credited.

• Organization Discounts – Being in qualifying employment or professional organizations may earn a discount on insurance.
• Multiple Policy Discount – When you have multiple policies with one insurance company you could save as much as 10 to 15 percent.
• Accident Forgiveness Coverage – Not a discount per se, but some companies like Allstate and Geico permit an accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
• Theft Deterent Discount – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and will qualify for a discount on a car insurance quote.
• Use Seat Belts – Forcing all vehicle occupants to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
• Distant College Student Discount – Any of your kids who attend college more than 100 miles from home and do not have a car could qualify for this discount.
• Multiple Cars – Having multiple cars or trucks on a single policy qualifies for this discount.
• Life Insurance Discount – If the company offers life insurance, you could get a discounted price on car insurance if you buy auto and life insurance together.
• Defensive Driver Discounts – Passing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
• Discounts for Responsible Drivers – Drivers who avoid accidents can pay as much as 50% less on Sonata insurance than drivers with accidents.

While discounts sound great, it’s important to understand that most discounts do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any amount of discount will cut the amount you pay for coverage.

Some of the insurance companies that may offer these money-saving discounts include:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

When quoting, ask each company which discounts you may be entitled to. Some credits may not be available in your area. To choose insurance companies with the best discounts, click here to view.

The best way we recommend to compare car insurance company rates takes advantage of the fact all the major auto insurance companies have advanced systems to compare their rates. All you need to do is provide details like if you went to college, distance driven, if you’re married, and how much coverage you want. Your rating data gets transmitted to insurance carriers in your area and you will get price comparisons with very little delay.

Which policy gives me the best coverage?

When choosing coverage, there really is no single plan that fits everyone. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out if your situation will benefit from professional help.

• Should I buy more coverage than the required minimum liability coverage?
• How much liability do I need to cover my assets?
• When would I need additional glass coverage?
• Will my insurance pay for OEM parts?
• When can I cancel my policy?
• Is there coverage for injuries to my pets?
• What is high-risk coverage and where do I buy it?
• Are rock chip repairs covered?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to 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

What auto insurance coverages do you need?

Learning about specific coverages of auto insurance can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, vandalism, a tree branch falling on your vehicle, hitting a deer and hail damage. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

This coverage covers damage to your Sonata resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, damaging your car on a curb, rolling your car, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills such as X-ray expenses, hospital visits and prosthetic devices. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1997 Hyundai Sonata.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability car insurance

This protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things such as repair costs for stationary objects, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Shop. Compare. Save.

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped comprehensive coverage or liability limits only to regret that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

We just covered many ways to compare 1997 Hyundai Sonata insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting low cost car insurance. You may be surprised to find that the most savings is with some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

To learn more, link through to the articles below:

• Vehicle Size and Weight FAQ (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Insuring a Leased Car (Insurance Information Insitute)