View 2015 Hyundai Sonata Car Insurance Cost

Being forced to pay for pricey auto insurance premiums can overdraw your savings account and require stricter spending habits.

Companies like Geico and Progressive constantly bombard you with advertising and it is difficult to see past the corporate glitz and effectively compare rates to find the best deal.

You should take the time to compare rates occasionally because auto insurance prices are constantly changing. Just because you found the best rate on Sonata insurance a year ago you can probably find a better premium rate now. Block out anything you think you know about auto insurance because it’s time to teach you the only way to save money, get proper coverage and the best rates.

Cheapest auto insurance rate quotes

To find cheap rates, there are a couple of ways to compare prices from different companies. The easiest way by far to do a complete rate comparison is to jump online and get quotes. This is quite simple and can be completed using a couple different methods.

The single most time-saving way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This type of form keeps you from doing boring form submissions for each company you want a rate for. Just one form will get you price quotes from many national carriers.

A more time consuming way to find more affordable insurance is to manually visit the website of each company and get a separate price quote. For sake of this example, we’ll pretend you want rates from State Farm, Liberty Mutual and GMAC. You would be required to navigate to each company’s site to input your insurance information, which can get rather old.

To view a list of companies in your area, click here.

The least efficient method to get rate quotes is to spend your day driving to and from local insurance agencies. Comparing rates online can eliminate the need for a local agent unless you’re the type of person who wants the peace of mind that only an agent can give. However, consumers can find lower rates online but have your policy serviced through an agent.

Compare rates however you want, just be sure to compare nearly identical deductibles and coverage limits for every company. If you have different coverage information you will not be able to determine the lowest rate for your Hyundai Sonata. Slightly different insurance coverages or limits can mean a large discrepancy in price. It’s important to know that comparing a wide range of rates increases your odds of finding more affordable rates.

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Double check you’re getting these money-saving discounts

Companies don’t list the entire discount list very clearly, so below is a list some of the best known and also the lesser-known credits available to bring down your rates. If you don’t get every credit available, you are just wasting money.

• No Accidents – Insureds who avoid accidents and claims pay less when compared with policyholders that have many claims.
• Homeowners Savings – Just being a homeowner may trigger a policy discount on insurance coverage since owning and maintaining a home is proof that your finances are in order.
• Professional Memberships – Being a member of a qualifying organization is a simple method to lower premiums on your next insurance coverage statement.
• Anti-lock Brake Discount – Vehicles that have anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
• Multi-car Discount – Insuring multiple cars with one company can get a discount on all vehicles.
• Discounts for Good Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Sonata insurance compared to rates paid by drivers with frequent claims.
• Discount for Passive Restraints – Factory air bags or automatic seat belts can receive discounts of 20 to 30 percent.
• Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident without the usual rate increase so long as you are claim-free for a specific time period.
• Auto/Home Discount – If you can combine your home and auto policy with the same company they may give you a discount of over 10 percent off each policy depending on the company.

We need to note that many deductions do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works. But all discounts should definitely cut your overall premium however.

A list of companies and some of their more popular discounts are:

• Farmers Insurance offers premium reductions for bundle discounts, mature driver, alternative fuel, business and professional, teen driver, and distant student.
• Esurance has discounts for good student, safety device, defensive driver, emergency road assistance, online quote, paid-in-full, and good driver.
• State Farm policyholders can earn discounts including good driver, student away at school, defensive driving training, Drive Safe & Save, accident-free, passive restraint, and driver’s education.
• Geico offers discounts including anti-theft, good student, military active duty, multi-policy, driver training, seat belt use, and anti-lock brakes.
• Allstate may offer discounts for premier discount, good payer, anti-lock brakes, good student, and safe driver.

Double check with every insurance company which discounts you qualify for. Some discounts may not apply to policies in your area. If you would like to choose from a list of companies that offer multiple discounts, click here.

Do I need special coverages?

When choosing adequate coverage, there really is no “perfect” insurance plan. Every situation is different so this has to be addressed. For instance, these questions can aid in determining if you would benefit from an agent’s advice.

• What discounts do I qualify for?
• Should I buy full coverage?
• Where can I get insurance after a DUI in my state?
• When would I need rental car insurance?
• Are rock chip repairs covered?
• What companies insure drivers after a DUI or DWI?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Which companies will insure high-risk drivers?
• Is my trailer covered?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Smart choices result in lower insurance rates

The best way to find cheaper insurance is to take a look at the factors that go into determining your policy premiums. If you have a feel for what determines premiums, this allows you to make good choices that could help you find much lower annual insurance costs.

• Multiple policies with one company – Most companies allow lower prices to insureds that have more than one policy in the form of a multi-policy discount. Even with this discount, consumers should still compare other company rates to guarantee you are still saving the most. It’s possible to still save more without the discount by buying insurance from more than one company.
• Get hitched and pay less – Being married can actually save you money on your insurance policy. It generally demonstrates drivers are more responsible and statistics prove drivers who are married are more cautious.
• With age comes lower prices – Youthful drivers have been known to be easily distracted when driving with friends so they pay higher insurance rates. Adding a first-time driver to your policy can cause a big jump in price. Older, more experienced drivers are more cautious drivers, file fewer claims .
• Prices for men may be higher – The statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that females are better drivers. Females and males get in fender benders at a similar rate, but men tend to have more serious accidents. They also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
• Safer the car lower the rate – Vehicles with good safety scores cost less to insure. These vehicles protect occupants better and fewer injuries means less claims paid which can result in lower premiums. If your Hyundai earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
• Claim-free discounts can add up – Insurance companies award the lowest premiums to drivers who are not frequent claim filers. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.

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Auto insurance coverages explained

Understanding the coverages of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from auto insurance companies.

Collision protection

This coverage pays to fix your vehicle from damage from colliding 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 things like rolling your car, colliding with a tree, scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like dental work, EMT expenses, nursing services, doctor visits and hospital visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability

Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical services, funeral expenses, repair bills for other people’s vehicles, emergency aid and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, damage from a tornado or hurricane, damage from getting keyed and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Hyundai Sonata.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Quote often and quote early

We just covered quite a bit of information on how to reduce 2015 Hyundai Sonata insurance rates online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance is with a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower car insurance rates compared to the large companies like Allstate, Geico and Progressive.

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. In many cases, drivers have reduced comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. The proper strategy is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Helpful learning opportunities

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)

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