Compare 2014 Hyundai Sonata Insurance Quotes

Searching for lower auto insurance rates for your Hyundai Sonata? Did budget coverage turn out to be high-priced auto insurance? Don’t sweat it because there are many people just like you.

Due to the increasing number of companies and agents to choose from, it is very difficult to locate the cheapest auto insurance company.

Buying car insurance is quite easy. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. But vehicle owners do need to learn the way companies compete online and take advantage of how the system works.

Save a ton by getting discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts to reduce the price significantly. Most are applied when you complete an application, but less common discounts must be requested specifically before being credited.

• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
• Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts can save 10% or more off the PIP or medical payment premium.
• Data Collection Discounts – People who choose to allow companies to study when and where they use their vehicle by using a small device installed in their vehicle such as State Farm’s In-Drive could see a rate decrease if they show good driving skills.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it will make them better drivers and lower rates.

One thing to note about discounts is that most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free insurance coverage policy, you won’t be that lucky.

To view insurers that offer many of these discounts, click this link.

The method we recommend to get policy rate comparisons is to take advantage of the fact most of the larger companies participate in online systems to compare rate quotes. To begin a comparison, all you need to do is provide information such as if you are currently licensed, the make and model of your vehicles, driver ages, and your occupation. Those rating factors is submitted instantly to insurance companies and they provide comparison quotes instantly.

Your auto insurance coverage should be tailored to you

When it comes to choosing coverage, there really is not a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether your personal situation might need professional guidance.

• Does my policy cover my teen driver if they drive my company car?
• Is my nanny covered when driving my vehicle?
• Should I rate my 2014 Hyundai Sonata as pleasure use or commute?
• What is medical payments coverage?
• When can I cancel my policy?
• Is a fancy paint job covered?
• Does insurance cover damages from a DUI accident?
• Am I covered if I break a side mirror?
• What are the financial responsibility laws in my state?
• Should I sign the liability waiver when renting a car?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Parts of your car insurance policy

Knowing the specifics of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on most car insurance policies.

Liability insurance

Liability insurance provides protection from damage that occurs to a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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 liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as bail bonds, structural damage and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision insurance

Collision coverage covers damage to your Sonata caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills such as X-ray expenses, rehabilitation expenses, funeral costs, chiropractic care and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, damage from flooding, a tree branch falling on your vehicle, damage from getting keyed and falling objects. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Keep this in mind

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. Too many times, drivers have reduced comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage at the best price.

Some insurance companies may not have price quotes online and these small, regional companies prefer to sell through local independent agencies. Lower-priced insurance is possible both online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis.

Additional insurance information is available below:

• Understanding Limits and Deductibles (Allstate)
• Property Damage Coverage (Liberty Mutual)
• Where can I buy Insurance? (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)