Cheap 1995 Hyundai Sonata Insurance Cost

Getting lower-cost car insurance can seem to be rather difficult for drivers that are not comfortable with quoting and comparing prices on the internet. When there are so many insurers to choose from, how can drivers efficiently compare them all to find the cheapest rates?

Auto insurance policy discounts you can’t miss

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that you may not even be aware of. Most are applied at the time you complete a quote, but a few must be specially asked for prior to receiving the credit.

  • Air Bag Discount – Factory options such as air bags or automatic seat belts can receive discounts up to 30%.
  • Drivers Ed for Students – Cut your cost by having your teen driver sucessfully take a drivers education course if it’s offered in school.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Smart Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
  • Auto/Home Discount – When you have multiple policies and place coverage with the same company you could save 10% to 20% off each policy.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
  • Discounts for Responsible Drivers – Accident-free drivers can save up to 40% or more on their insurance coverage quote on Sonata insurance than drivers with accidents.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, it just doesn’t work that way.

A list of companies and a summarized list of policyholder discounts are:

  • State Farm discounts include defensive driving training, driver’s education, anti-theft, Drive Safe & Save, and good driver.
  • Progressive offers discounts including multi-vehicle, online quote discount, continuous coverage, good student, and multi-policy.
  • Progressive has savings for continuous coverage, multi-vehicle, homeowner, multi-policy, online signing, good student, and online quote discount.
  • MetLife may have discounts that include multi-policy, claim-free, defensive driver, good driver, accident-free, and good student.
  • Farm Bureau may include discounts for multi-policy, good student, multi-vehicle, driver training, safe driver, and youthful driver.
  • Geico policyholders can earn discounts including multi-policy, membership and employees, daytime running lights, good student, and five-year accident-free.
  • SAFECO may offer discounts for safe driver, drive less, anti-theft, accident prevention training, anti-lock brakes, teen safe driver, and homeowner.

If you want cheap insurance coverage quotes, ask every company how many discounts you can get. A few discounts may not apply to policyholders in your area. For a list of insurers that provide some of the discounts listed above, click here.

Which car insurance is cheapest?

When looking for affordable insurance coverage quotes, there are a couple ways to compare quotes from car insurance companies in your area. The best method to find affordable 1995 Hyundai Sonata insurance rates is to use the internet to compare rates. This is very easy and can be done by using one of the methods below.

  1. One of the best ways to get quotes is to use a rate comparison form (click to open form in new window). This method keeps you from doing boring form submissions to each individual car insurance company. One simple form will return quotes direct from many companies. This is perfect if you don’t have a lot of time.
  2. A more difficult way to obtain and compare quotes online is to manually visit the website of each company and go through the quote process again. For example, we’ll pretend you want comparison quotes from USAA, State Farm and Allstate. To do that, you would have to go to every website and type in your information over and over, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

Whichever method you choose, double check that you are using exactly the same coverages and limits with every price quote. If the quotes have different deductibles then you won’t be able to make a fair comparison for your Hyundai Sonata. Just slight variations in coverages may result in a large different in cost. And when comparison shopping, more quotes provides better odds of finding better pricing. Some smaller insurers to not give quotes online, so it’s important to compare price quotes on coverage from those companies, too.

Why smart consumers pay less for Hyundai Sonata insurance

Many different elements are used when quoting car insurance. Some factors are common sense such as your driving record, although others are more obscure like where you live or your financial responsibility.An important part of buying insurance is that you know some of the elements that are used to determine your premiums. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that could result in better car insurance rates.

  • City dwellers may pay more – Choosing to live in areas with lower population may provide you with better prices when trying to find low car insurance rates. Fewer drivers on the road means less chance of accidents in addition to lower liability claims Residents of big cities have to deal with more auto accidents and much longer commute distances. More time behind the wheel statistically corresponds to a higher accident and claim rate.
  • Better premiums for continuous coverage – Driving your car without having proper coverage is a big no-no and car insurance companies will penalize you for letting your insurance lapse for non-payment. In addition to paying higher premiums, failure to provide proof of insurance will get you a revoked license or a big fine. You could then be forced to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Liability protection preserves assets – A critical coverage on your policy, liability insurance will provide protection if ever a jury decides you are liable for physical damage or personal injury to other. It provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Long commutes cost more – Driving more miles in a year the higher the price you pay to insure it. Many insurance companies rate vehicles based upon how you use the vehicle. Vehicles that do not get driven very much receive lower rates than vehicles that have high annual mileage. It’s a good idea to make sure your declarations sheet reflects the correct driver usage, because it can save money. Incorrect rating for your Sonata may be wasting your money.
  • Occupation impacts premiums – Occupational choices like lawyers, social workers and miners usually pay higher rates than the rest of us due to high stress levels and lots of time spent at work. Conversely, careers such as scientists, engineers and retirees get better rates on Sonata insurance.
  • Male premiums may be higher – Statistics have proven women are more cautious behind the wheel. The data does not necessarily mean that females are better at driving than males. Females and males tend to get into fender benders in similar percentages, but the men have accidents that have higher claims. Not only that, but men also get more serious tickets like DUI and reckless driving.
  • Save money by having multiple policies – Most insurance companies will give a discount to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to ten percent or more. Even with this discount, you still need to compare other insurance prices to verify if the discount is saving money.

Insurance agents can help

When it comes to choosing the right insurance coverage, there is no one size fits all plan. Each situation is unique.

For instance, these questions may help you determine if you would benefit from professional advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered when driving someone else’s vehicle?
  • Is my nanny covered when driving my vehicle?
  • Can I still get insurance after a DUI?
  • Is my 1995 Hyundai Sonata covered for flood damage?
  • Does liability extend to a camper or trailer?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Well known brands might not be cheapest

Car insurance providers like Progressive, Allstate and Geico endlessly run ads on television and other media. All the companies convey the message about saving some big amount just by moving your policy. But how can every company offer you a better deal? It’s all in the words they use.

All companies quote their cheapest rates for the right customer that is profitable for them. For instance, a profitable insured might be between the ages of 30 and 50, has never had a claim, and drives less than 5,000 miles a year. A customer getting a price quote who matches that profile will get low premium rates and therefore will save some money.

Consumers who do not meet these stringent criteria may be forced to pay higher prices and this results in the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “everybody who quotes” save that kind of money. That’s the way companies can make those claims. Because of this risk profiling, you really need to get price quotes at each policy renewal. It is just not possible to predict which car insurance company will give you lower premium rates than your current company.

Car insurance coverage specifics

Knowing the specifics of your car insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, hail damage and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Hyundai Sonata.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as surgery, dental work, EMT expenses, hospital visits and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

This pays for damage to your Sonata resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, rolling your car, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability

This protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims such as attorney fees, pain and suffering, bail bonds, medical services and funeral expenses. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Take this to the bank

Lower-priced 1995 Hyundai Sonata insurance is definitely available on the web as well as from independent agents, so you need to shop insurance coverage with both in order to have the best chance of saving money. Some insurance companies don’t offer online rate quotes and these small insurance companies only sell through independent agents.

People leave their current company for any number of reasons including poor customer service, high rates after DUI convictions, policy non-renewal or being labeled a high risk driver. It doesn’t matter what your reason, finding a new company is actually quite simple.

As you restructure your insurance plan, never skimp on coverage in order to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to find out that it was a big mistake. The goal is to buy enough coverage at the best cost while still protecting your assets.

Additional insurance coverage information can be found at these links:

Comments About 1995 Hyundai Sonata Insurance

  1. Jose Mccray

    Does 21st Century settle claims fairly?

  2. Maryam Barber

    Proud to be from Omaha, NE. I don’t recall every quote but I ended up saving about $20 each month. I used their website to get prices.

  3. Chassidy Stone

    Here’s my quote info. I live just to the north of Gulfport, MS. Quoted prices online for a 1995 Hyundai Sonata. Ended up at about $100 savings annually. Went with Allstate. Thankfully I have a good driving record. I got a quote from their website.

  4. Willodean Kent

    Got a quote with Esurance for my Sonata and saved around $110 a year. Got better coverage too. I don’t put full coverage on it.

  5. Beatriz Brady

    I’m looking for cheaper coverage. I live just outside Charleston, WV. Can’t remember who all I quoted but I ended up saving about $20 each month. I think I’ll get rid of full coverage next time.

  6. Karie Montoya

    GEICO and Allstate were both pretty cheap in Reno, NV.

  7. Ngoc Hawkins

    When should I drop comp and collision?

  8. Audrea Pennington

    I compared a lot of rate quotes for a 1995 Hyundai Sonata in Eugene, Oregon. Ended up at right around $120 every six months with American Family. Left GEICO to switch. Even increased my liability limits. I’m thinking about dropping full coverage though.