2003 Hyundai Sonata Insurance Cost – 9 Discounts for Cheaper Prices

Drivers have a choice when trying to find the lowest priced Hyundai Sonata insurance. They can either waste time contacting agents trying to get quotes or use the internet to make rate comparisons.

There is a better way to buy insurance coverage and you need to know the quickest way to compare rates for a new or used Hyundai and find the best price possible from local insurance agents and online providers.

You should take the time to check insurance coverage prices on a regular basis since rates are usually higher with each renewal. Even if you got the lowest premium rates on Sonata coverage a couple years back you will most likely find a better price today. Ignore everything you know about insurance coverage because you’re about to find out how to use the internet to eliminate unnecessary coverages and save money.

The purpose of this post is to instruct you on the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Drivers just need to understand the tricks to find the lowest price online.

Cheaper insurance rates with discounts

Insurance is easily one of your largest bills, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply at quote time, but lesser-known reductions have to be asked about prior to getting the savings.

• Include Life Insurance and Save – Larger insurance carriers have a small discount if you purchase a life policy as well.
• Multiple Cars – Having primary and secondary vehicles with the same insurance company can get a discount on all vehicles.
• Homeowners Savings – Just owning your own home can help you save on insurance because of the fact that having a home demonstrates responsibility.
• Distant College Student Discount – College-age children who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
• Discounts for Responsible Drivers – Safe drivers can save as much as half off their rates on Sonata coverage compared to rates paid by drivers with frequent claims.
• Low Mileage – Low annual miles could qualify for discounted insurancerates on garaged vehicles.
• Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
• No Claim Discounts – Drivers who don’t have accidents pay less when compared to policyholders that have many claims.
• Military Rewards – Being deployed in the military could mean lower prices.

Consumers should know that many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, you aren’t that lucky.

To locate insurers that offer many of these discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

• Where can I get insurance after a DUI in my state?
• If my 2003 Hyundai Sonata is totaled, can I afford another vehicle?
• Where can I find DUI or SR-22 insurance?
• Do I have coverage when making deliveries for my home business?
• Should I buy additional glass protection?
• If my pet gets injured in an accident are they covered?
• Do I have coverage when pulling a U-Haul trailer?
• Is my babysitter covered when using my vehicle?
• Is my state a no-fault state?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Educate yourself about auto insurance coverages

Understanding the coverages of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your 2003 Hyundai Sonata.

Since many 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. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability auto insurance – This will cover damage or injury you incur to other people or property that is your fault. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like legal defense fees, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for immediate expenses like hospital visits, rehabilitation expenses, funeral costs, EMT expenses and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, falling objects and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a ditch, crashing into a building, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Never pay more for less

We just showed you a lot of information how to reduce 2003 Hyundai Sonata insurance car insurance rates online. It’s most important to understand that the more you quote car insurance, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance comes from an unexpected company.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find for the lowest cost, but don’t skip important coverages to save money.

Lower-priced 2003 Hyundai Sonata insurance can be bought both online and with local insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies may not have rate quotes online and most of the time these regional carriers sell through independent agencies.

To learn more, feel free to browse these articles:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Property Damage Coverage (Liberty Mutual)