Protecting Your Hyundai Sonata Just Got A Whole Lot Cheaper

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say you’re not the only one.

Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurance companies to find the absolute lowest rate

How to Get Cheap Auto Insurance

The are a couple different ways of comparing price quotes from different insurance companies. The recommended way to find competitive Hyundai Sonata insurance rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

The single most time-saving way to get quotes would be an industry-wide quote request form click here to open form in new window. This method eliminates the need for boring form submissions for each company. A single form gets you coverage quotes from several companies.

A more time consuming way to find lower rates requires visiting each company website to request a price quote. For sake of this example, let’s say you want rates from Allstate, Farmers and GMAC. To find out each rate you need to go to every website to input your insurance information, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

Whichever method you choose, ensure you’re using identical information on every quote. If you use mixed coverages it’s not possible to determine which rate is truly the best. Slightly different limits may result in large price differences. And when quoting auto insurance, remember that having more price comparisons gives you a better chance of getting the best price.

Discounts can save BIG

Companies don’t always advertise every discount very well, so here is a list some of the more common and the harder-to-find auto insurance savings. car insurance

  • Organization Discounts – Affiliation with certain professional organizations is a good way to get lower rates when buying auto insurance for Sonata coverage.
  • Claim Free – Claim-free drivers pay much less when compared with drivers who are more careless.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Safety Course Discount – Successfully completing a driver safety course could cut 5% off your bill if your company offers it.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for Sonata coverage than drivers with accident claims.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Distant Student – Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.

It’s important to note that some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

For a list of companies with discount auto insurance rates, follow this link.

Will just any policy work for me?

When choosing the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique so your insurance should reflect that For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Do I really need UM/UIM coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my Hyundai Sonata covered for flood damage?
  • How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, 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.

Hyundai Sonata rates are complex

It’s important that you understand the rating factors that help determine auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with better auto insurance rates.

  • Credit scores impact auto insurance rates – Having a bad credit rating is a large factor in determining your rates. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with lower ratings. If your credit rating can use some improvement, you could be paying less to insure your Hyundai Sonata by spending a little time repairing your credit.
  • High numbers of claims are not good – Companies give discounts to policyholders who file claims infrequently. If you file claims often, you can definitely plan on higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • How many coverages with the same company – Some insurance companies give discounts to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare rates to make sure you are getting the best deal.
  • With age comes lower rates – Teenage drivers are known to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Your spouse saves you money – Being married can actually save you money on auto insurance. Having a significant other usually means you are more mature and it’s statistically proven that being married results in fewer claims.
  • Don’t let your coverage lapse – Having an insurance coverage lapse will be a guaranteed way to increase your auto insurance rates. Not only will you pay more, but being ticketed for driving with no insurance may earn you a license revocation or jail time.

Do drivers who switch really save $429 a year?

Auto insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. They all say the same thing that you’ll save big if you switch to their company. How do they all make the same claim?

Different companies can use profiling for the type of driver that is profitable for them. A good example of a preferred risk could possibly be over the age of 40, has no tickets, and has a high credit rating. Any new insured who meets those qualifications will get very good rates and as a result will probably save when switching.

Hyundai Sonata insurance

Consumers who don’t qualify for this ideal profile will have to pay higher rates which leads to business not being written. Company advertisements say “people who switch” not “everyone that quotes” save that much. That is how insurance companies can state the savings. Because of the profiling, you should get a wide range of price quotes. It’s not possible to predict which insurance companies will fit your personal profile best.

Smart consumers save more

When you buy insurance online, it’s a bad idea to reduce coverage to reduce premium. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Discount Hyundai Sonata insurance can be found online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

You just read many tips how you can compare Hyundai Sonata insurance prices online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may even find the biggest savings come from a small mutual company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as GEICO and State Farm.