Cheap 1996 Hyundai Sonata Insurance Quotes

Trying to find lower auto insurance rates for your Hyundai Sonata? Did you come to the realization that you have overpriced auto insurance? You’re in good company because you are not the only one feeling buyer’s remorse. Big-name insurance companies like State Farm, Farmers Insurance, Geico and Allstate all claim big savings with catchy ads and it can be hard to see past the corporate glitz and find the best price available.

If you have a current insurance coverage policy or need a new policy, you can use these tips to cut your premiums while maintaining coverages. Choosing the best insurance company for you is not rocket science. Consumers only need to know the most efficient way to shop their coverage around online.

Discounts can really help lower premiums

Some insurers do not advertise every discount they offer very well, so the next list breaks down a few of the more well known and the more hidden discounts that may be available. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
  • Telematics Devices – Insureds who allow their car insurance company to analyze driving habits through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as they are good drivers.
  • Drive Less and Save – Low annual miles could be rewarded with lower car insurancerates on the low mileage vehicles.
  • Driver Training Discounts – Taking time to complete a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
  • Smart Student Discounts – Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Claim Free – Drivers who don’t have accidents pay less in comparison with drivers who are more careless.
  • Memberships – Having an affiliation with a professional or civic organization may earn a discount on your bill.
  • Savings for New Vehicles – Buying a new car instead of a used car can save up to 30% compared to insuring an older model.

One thing to note about discounts is that some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you could get a free car insurance policy, companies wouldn’t make money that way. Any amount of discount will help lower your overall premium however.

Large car insurance companies and a selection of discounts are outlined below.

  • Farmers Insurance offers discounts including switch companies, alternative fuel, homeowner, good student, youthful driver, and distant student.
  • Esurance may offer discounts for anti-theft, good student, safety device, renters, DriveSense, multi-policy, and anti-lock brakes.
  • State Farm may include discounts for accident-free, good student, multiple autos, good driver, Drive Safe & Save, multiple policy, and Steer Clear safe driver discount.
  • Geico offers discounts for multi-policy, good student, driver training, anti-theft, military active duty, membership and employees, and multi-vehicle.
  • Allstate may have discounts that include anti-theft, EZ pay plan discount, early signing, multi-policy, passive restraint, premier discount, and defensive driver.

Check with every prospective company which discounts they offer. Discounts may not be offered in your area. If you would like to choose from a list of insurers with the best car insurance discounts, click here to view.

How to find low cost auto insurance

There are a variety of methods to compare auto insurance prices but some are more efficient than others. You can waste hours driving to local insurance agents in your area, or you could save time and use the internet to quickly compare rates.

The majority of car insurance companies participate in a marketplace that enables customers to submit their information once, and each company then returns a price quote based on that data. This eliminates the need for quotation requests for every auto insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to doing it this way is that consumers can’t choose which companies to receive prices from. So if you prefer to choose specific providers to compare prices, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

However you get your quotes, make sure you are using identical coverages and limits with each company. If each company quotes higher or lower deductibles it will be nearly impossible to determine the best price for your Hyundai Sonata.

Informed decisions result in lower insurance prices

Lots of things are part of the calculation when you get your auto insurance bill. Most are fairly basic like an MVR report, although some other factors are more transparent like your vehicle usage or how financially stable you are.

The items below are just a few of the factors utilized by car insurance companies to help set rates.

  • Marriage discount – Having a significant other can actually save you money on your auto insurance bill. Marriage is viewed as being less irresponsible and insurance companies reward insureds because married drivers get in fewer accidents.
  • Frequent insurance claims increase auto insurance rates – If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies award most affordable rates to drivers who only file infrequent claims. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Auto insurance policy lapses increase premiums – Letting your insurance expire will be a sure-fire way to trigger a rate increase. And not only will your rates increase, the inability to provide proof of insurance will get you a license revocation or jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Big city or small town – Living in less populated areas has it’s advantages when it comes to auto insurance. Fewer drivers and short commutes means fewer accidents. City drivers regularly have more traffic problems and higher rates of accident claims. More time commuting can result in more accidents.
  • How much liability insurance – Your policy’s liability coverage provides coverage when you are determined to be liable for damages caused by your negligence. It provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Save by driving cars with good safety ratings – Cars with five star safety ratings can get you lower premiums. These vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and cheaper rates on your policy. If the Hyundai Sonata earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Will just any policy work for me?

When buying the best insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need roadside assistance coverage?
  • Why am I required to buy liability insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Are all vehicle passengers covered by medical payments coverage?
  • Will my rates increase for filing one claim?
  • Do I need special endorsements for business use of my vehicle?
  • When can my company non-renew my policy?
  • What exactly is covered by my policy?
  • When should I not file a claim?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance coverage options for a Hyundai Sonata

Learning about specific coverages of your insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, a tree branch falling on your vehicle, hail damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for dental work, pain medications, X-ray expenses, EMT expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability coverage protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as repair bills for other people’s vehicles, legal defense fees and medical services. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1996 Hyundai Sonata.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – Collision insurance pays for damage to your Sonata resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Quote more, save more

When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. There have been many cases where someone sacrificed collision coverage only to regret at claim time they didn’t have enough coverage. The aim is to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

Cheaper 1996 Hyundai Sonata insurance is definitely available both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not have the ability to get quotes online and usually these small insurance companies only sell coverage through independent agents.

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Comments About 1996 Hyundai Sonata Insurance

  1. Hedwig Reese

    Here’s what I found out. Lifelong resident of Nampa, Idaho. Got free quotes online for a 1996 Hyundai Sonata. Ended up at about $120 savings annually. Went with Allstate. Insured with Erie before. I only have liability coverage on it.

  2. Sandi Hendrix

    I found affordable 1996 Hyundai Sonata insurance from 21st Century in Minneapolis, Minnesota.

  3. Prince Henry

    Good detail in your article. I live in Juneau, Alaska. Not sure of all the companies but I ended up saving about $20 each month. Not sure about claim service.

  4. June Foreman

    Well-written and thought out article. From a town just southwest of Lexington, Kentucky. Can’t remember who all I quoted but I ended up saving about $20 each month. I have a couple other vehicles on the policy.

  5. Gayle Sawyer

    Any Progressive or Esurance customers near Great Falls, Montana?

  6. Lindsy Stanton

    I live in a small town just outside of Worcester, MA. Received quotes from American Family, Erie, and MetLife for my Hyundai and saved around $100 a year. BTW speeding tickets are not good. Hardly afford to drive anymore. I only have liability coverage on it.

  7. Kellye Hyde

    Good site, thanks. I’m in the suburbs of Allentown, PA. Compared quite a few companies. Saved about $20 a month. 21st Century was the most affordable for me. I get multi-vehicle and multi-policy discounts. I don’t insure for physical damage though.

  8. Octavio Donaldson

    If you have a good history and live near Louisville, Kentucky, check out State Farm. I saved quite a bit. God forbid I actually have a claim.

  9. Adelle Jacobson

    It’s all a rip off. Proud to be from Fort Wayne, IN. Received rates from American Family, MetLife, and a few others for my Hyundai and saved just over $100 a year. Insured with Safeco before. My new agent seems to be really good. You can get a rate quote online.