1998 Hyundai Sonata Insurance Quotes – 8 Savings Tips

If online auto insurance comparisons are new to you, chances are good that you are bewildered by the large number of auto insurance companies who claim to have the best auto insurance rates.

Buying more affordable insurance is easy if you know what you’re doing. Just about every vehicle owner who shops for insurance will be able to find lower rates. But vehicle owners should learn how companies compete online because it can help you find the best coverage.

How to buy auto insurance

When shopping for auto insurance there are multiple ways to compare rate quotes from many different insurance companies. The easiest way to find the cheapest 1998 Hyundai Sonata insurance rates consists of shopping online. This can be accomplished in several different ways.

1. Without a doubt, the easiest way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This method saves time by eliminating multiple quote forms for every prospective company. One form submission gets you price quotes from auto insurance companies with the best prices. Just one form and you’re done.
2. A more time consuming way to compare rate quotes consists of visiting the website for every company you want to comare and complete a new quote form. For example, we’ll pretend you need rates from Farmers, Progressive and Allstate. You would need to spend time going to each site individually and repeatedly type in your coverage information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

Whichever way you choose to compare rates, make sure you compare equivalent quote information for each comparison quote. If your comparisons have mixed coverages you will not be able to make a fair rate comparison. Just slight variations in insurance coverages can make a big difference in price. And when comparing auto insurance rates, know that comparing more rates from different companies helps you find more affordable rates.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions can aid in determining if your situation may require specific advice.

• How do I buy GAP insurance?
• Can I afford to buy a different vehicle if my 1998 Hyundai Sonata is totaled?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is pleasure use cheaper than using my 1998 Hyundai Sonata to commute?
• Do I need replacement cost coverage?
• When do I need to add a new car to my policy?
• What companies insure drivers after a DUI or DWI?
• How much liability do I need to cover my assets?
• Is a blown tire covered by insurance?
• If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage considerations

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Auto liability insurance

This coverage will cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as attorney fees, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills like prosthetic devices, nursing services and hospital visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from a tornado or hurricane, fire damage, hitting a deer and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

Collision insurance will pay to fix damage to your Sonata resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a ditch, damaging your car on a curb, hitting a mailbox, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.