2017 Hyundai Sonata Insurance Quotes – 8 Savings Tips

If online insurance comparisons are new to you, there’s a good chance you are confused thanks to the incredible selection of insurance companies who all claim to have the lowest rates.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Although car owners must learn the way insurance companies determine prices and apply this information to your search.

Insurance quotes comparison

There are several ways to shop for insurance, and some are more efficient than others. You could spend your day discussing policy coverages with agents in your area, or you can stay home and use the web to accomplish the same thing much quicker.

Many popular insurance companies take part in a program that allows shoppers to submit their information once, and each participating company returns a rated price for coverage. This eliminates the need for repetitive form submissions for each company you want a rate for.

To find out how much you can save on insurance click to open in new window.

The only downside to doing it this way is that consumers can’t choose which providers to receive prices from. So if you want to select specific insurance companies to request quotes from, we put together a list of insurance companies in your area. Click to view list.

Take whichever approach you prefer, but be certain you are entering nearly identical information on every quote. If your comparisons have unequal deductibles or liability limits you will not be able to determine the best price for your Hyundai Sonata. Having just a slight variation in insurance coverages may result in large price differences. It’s important to know that quoting more helps improve the odds of finding a lower rate. Not every company does online quotes, so it’s important to also get quotes on coverage from those companies, too.

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Does car insurance advertising bend the truth?

Popular car insurance providers such as State Farm and Allstate consistently run television, radio, and online ads. They all state the claim about saving some big amount after switching to them. That’s great but how can every company make the same claim?

Many companies have specific guidelines for the type of driver that earns them the most money. A good example of this type of risk profile may be a married female, has no driving citations, and drives newer vehicles. Any new insured who matches those parameters will get a cheap rate quote and most likely will save quite a bit of money when switching.

Insureds who do not fit these stringent criteria will see a more expensive rate and this results in the customer buying from a different company. If you listen closely, the ads state “people that switch” not “all people who quote” save that much when switching. That’s the way companies can truthfully state the savings. That is why it is so important to compare rate quotes every year. Because without a comparison, you cannot know which company will give you lower prices than your current company.

Get cheaper car insurance with discounts

Car insurance is not inexpensive, but you might already qualify for some discounts that can help lower your rates. Some discounts will apply at the time you complete a quote, but a few need to be specially asked for before you will receive the discount.

• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life insurance policy as well.
• Accident Free – Insureds with no claims or accidents get the best car insurance rates in comparison to drivers who are more careless.
• Lower Rates for Military – Being on active duty in the military could be rewarded with lower car insurance rates.
• Bundled Policy Discount – If you can bundle your auto and home insurance with the same insurance company you may save nearly 15% which can help you find cheaper car insurance.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 25 to 30%.
• Buy New and Save – Buying a new car instead of a used car can be considerably cheaper since new model year vehicles have better safety ratings.
• Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off for Sonata coverage but check with your company.
• Discount for Home Ownership – Just being a homeowner can get you a discount because it is proof of financial responsibility.

Discounts lower rates, but most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts should definitely cut the cost of coverage.

If you would like to choose from a list of car insurance companies with significant discounts, click here.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique.

For example, these questions can help discover whether you might need an agent’s assistance.

• Are rock chip repairs covered?
• Does my car insurance cover rental cars?
• Is borrowed equipment or tools covered if stolen or damaged?
• When should I remove comp and collision on my 2017 Hyundai Sonata?
• Is my cargo covered for damage or theft?
• When do I need to add a new car to my policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form.

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Auto insurance 101

Knowing the specifics of auto insurance can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance

Liability coverage will cover damage that occurs to other people or property by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as medical expenses, medical services, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses like X-ray expenses, chiropractic care, funeral costs and doctor visits. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision coverage covers damage to your Sonata resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, scraping a guard rail, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Hyundai Sonata.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, damage from a tornado or hurricane, hail damage, theft and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Final considerations

You just learned some good ideas how to shop for 2017 Hyundai Sonata insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from the least-expected company.

A few companies do not offer rates over the internet and many times these regional carriers prefer to sell through independent agents. Affordable 2017 Hyundai Sonata insurance can be sourced both online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where an accident victim reduced collision coverage only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Other resources

• Crash Avoidance Technologies FAQ (iihs.org)
• Comprehensive Coverage (Liberty Mutual)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)

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