Save on 1993 Hyundai Sonata Insurance Quotes

Sick and tired of being strong-armed each month for insurance? You are in the same boat as millions of other consumers. Consumers have so many insurers to purchase coverage from, and although it’s nice to have a choice, more options can take longer to find the lowest rates.

It is always a good idea to quote other rates on a regular basis due to the fact that insurance rates fluctuate regularly. If you had the best premium rates on Sonata insurance a couple years back you will most likely find a better price today. Block out anything you think you know about insurance because we’re going to demonstrate how to use the internet to eliminate unnecessary coverages and save money.

The purpose of this article is to help educate you on how to get online quotes and some money-saving tips. If you are paying for car insurance now, you will be able to save some money using this information. Drivers only need to know the best way to compare prices over the internet.

Verify you’re getting every discount

Car insurance is not cheap, but you might find some hidden discounts that can drop the cost substantially. Certain reductions will be credited at the time of purchase, but a few need to be requested specifically before being credited.

  • Military Discounts – Having a family member in the military could mean lower premium rates.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Auto/Home Discount – When you have multiple policies and place coverage with the same company you will save up to 20% and get you inexpensive auto insurance.
  • Good Student Discount – Maintaining excellent grades may save as much as 25% on a auto insurance quote. This discount can apply up to age 25.
  • E-sign Discounts</strong – A handful of car insurance companies provide a small discount for completing your application on the web.
  • Discounts for Safe Drivers – Insureds who avoid accidents may receive a discount up to 45% on Sonata insurance than drivers with accidents.
  • Home Ownership Discount – Just being a homeowner can save a few bucks due to the fact that maintaining a home is proof of financial responsibility.
  • No Accidents – Drivers who don’t have accidents have much lower rates in comparison with drivers with a long claim history.
  • Professional Organizations – Being a member of a qualifying organization could qualify you for a break on car insurance.
  • ABS and Traction Control Discounts – Vehicles with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.

Remember that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see companies that offer discounts, follow this link.

When should I discuss my situation with an agent?

When choosing adequate coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can help discover whether you would benefit from professional advice.

  • What is the ISO rating for a 1993 Hyundai Sonata?
  • When should I drop full coverage on my 1993 Hyundai Sonata?
  • Should I put collision coverage on all my vehicles?
  • Should I waive the damage coverage when renting a car?
  • When can my company non-renew my policy?
  • Do I benefit by insuring my home with the same company?
  • What is UM/UIM insurance?
  • Is my custom paint covered by insurance?
  • When should my teen driver be added to my policy?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

But the ad said I’d save 15% in 15 minutes!

Drivers constantly see and hear ads that promise big savings for switching from companies such as Allstate, Geico and Progressive. All the ads tend to make the same promise that drivers can save some big amount if you switch your car insurance coverage to their company.

How can each company give you a better price?

Car insurance companies quote their cheapest rates for the type of customer that earns them a profit. An example of a preferred risk may need to be a mature driver, has few claims, and has a high credit rating. Anyone who meets those qualifications receives the best premium rates and have a good chance to save money with a new company.

Consumers who do not fit these standards will have to pay higher premium rates and this results in the prospect going elsewhere. Company advertisements say “drivers who switch” not “everyone who quotes” save money. This is how companies can make claims that they all have the best premium rates.

This really emphasizes why you should get price quotes at each policy renewal. Because you cannot predict which insurance companies will have the best auto insurance rates for your profile.

Car insurance coverages for a 1993 Hyundai Sonata

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most auto insurance policies.

Coverage for collisions

This will pay to fix damage to your Sonata resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, scraping a guard rail, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Liability car insurance

This will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as emergency aid, pain and suffering, loss of income, court costs and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 1993 Hyundai Sonata.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for prosthetic devices, ambulance fees and EMT expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, falling objects, damage from flooding and hitting a bird. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

In the end, you save

Affordable 1993 Hyundai Sonata insurance can be bought both online in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and many times these small insurance companies sell through independent agencies.

When searching for cheaper auto insurance quotes, don’t be tempted to reduce coverage to reduce premium. In many cases, someone sacrificed liability limits or collision coverage and discovered at claim time that the savings was not a smart move. The ultimate goal is to find the BEST coverage for the lowest price, but do not skimp to save money.

More information can be read below:

Comments About 1993 Hyundai Sonata Insurance

  1. Gina Malone

    This is too expensive. From Gaithersburg, MD. Quoted with Amica, Farmers, and Mercury for my Sonata and am saving around $70 a year. Liability only on my Sonata.

  2. Wyatt Fitzpatrick

    Lifelong resident of Columbus, GA. Don’t remember every company but I ended up saving about $20 each month. Can still barely afford it. Just liability coverage since it’s getting old.

  3. Lyle Jenkins

    Got pretty cheap 1993 Hyundai Sonata insurance from Allstate in Pittsburgh, Pennsylvania.

  4. Jenine Wilkinson

    I found pretty cheap rate quotes for a 1993 Hyundai Sonata in South Burlington, VT. Ended up at darn near $90 every six months with Amica.

  5. Anja Dudley

    From north side of Dallas, Texas. Quoted quotes from Western Auto Insurance, AIG Insurance, Liberty Mutual, and Mercury for my Hyundai and I think I saved about $30 each month. I only have liability coverage on it.

  6. Coralie Wade

    Great site. Live in the western part of Norfolk, VA. I don’t recall every quote but I ended up saving about $30 each month.

  7. Vernita Mccall

    Will Progressive rates go up if I file a claim?