1997 Hyundai Sonata Insurance Quotes

Looking for the cheapest auto insurance rates? Shoppers have a choice when shopping for affordable Hyundai Sonata insurance. You can either waste hours calling around trying to get quotes or use the internet to make rate comparisons.

There are both good and bad ways to find auto insurance online and we’ll show you the proper way to price shop coverage for a new or used Hyundai and find the cheapest rates either online or from local insurance agents.

It’s a great practice to get comparison quotes before your policy renews because insurance prices tend to go up over time. Even if you got the best rates on Sonata insurance a year ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the easiest ways to properly buy coverages while reducing your premium.

Cheaper rates by taking advantage of discounts

Companies that sell car insurance don’t always publicize the complete list of policy discounts in a way that’s easy to find, so we took the time to find a few of the more common as well as some of the hidden discounts that you may qualify for.

• Lower Rates for Military – Having a deployed family member could be rewarded with lower prices.
• Club Memberships – Joining certain professional organizations is a simple method to lower premiums when shopping for car insurance.
• Pay Early and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
• Life Insurance Discount – If the company offers life insurance, you could get lower premium rates if you buy life insurance from them.
• New Car Discount – Insuring a vehicle that is new is cheaper since newer models have better safety ratings.

Discounts lower rates, but most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.

Larger car insurance companies and some of their more popular discounts are outlined below.

• Geico includes discounts for anti-lock brakes, five-year accident-free, seat belt use, daytime running lights, and emergency military deployment.
• MetLife may include discounts for good driver, accident-free, multi-policy, claim-free, defensive driver, good student
• Progressive may have discounts that include multi-vehicle, online quote discount, good student, homeowner, and continuous coverage.
• Travelers offers premium reductions for multi-car, multi-policy, continuous insurance, IntelliDrive, and payment discounts.
• SAFECO discounts include accident prevention training, safe driver, anti-theft, bundle discounts, anti-lock brakes, and homeowner.
• AAA has discounts for multi-policy, pay-in-full, anti-theft, multi-car, good student, and AAA membership discount.

Check with each company or agent the best way to save money. Some credits may not apply in your area. If you would like to see a list of insurance companies who offer car insurance discounts, follow this link.

Find cheap car insurance with these tips

It’s important that you understand the rating factors that play a part in calculating your premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that may result in lower premium levels.

The following are some of the most rate-impacting factors car insurance companies consider when setting your prices.

• Policy add-ons could be costing you – There are a ton of optional add-on coverages that you can buy if you aren’t diligent. Insurance for vanishing deductibles, accidental death, and membership fees are examples of these. These may sound like a good investment when talking to your agent, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Gender and car insurance prices – The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Men and women get in at-fault accidents in similar numbers, but men have accidents that have higher claims. In addition to higher claims, males also get higher numbers of serious violations like DWI (DUI) or reckless driving.
• Miles impacts premiums – The more miles you rack up on your Hyundai every year the more you’ll pay to insure your vehicle. Many insurance companies calculate prices based upon how the vehicle is primarily used. Cars not used for work or commuting cost less to insure than those that get driven frequently. Incorrect rating for your Sonata may be wasting your money. Verify your vehicle rating reflects annual mileage, because improper ratings can cost you money.
• Policy lapses lead to higher prices – Driving without insurance is a misdemeanor and you will pay a penalty because you let your insurance lapse. Not only will you pay more, not being able to provide proof of insurance might get you a license revocation or jail time.
• Cautious drivers pay the best rates – Having a clean driving record impacts premiums far more than you think. Even one moving violation can bump up the cost forty percent or more. Drivers who don’t get tickets pay less for auto insurance than their less careful counterparts. Drivers unfortunate enough to have serious violations like DUI or reckless driving might be required by their state to prove financial responsibility with their state’s department of motor vehicles in order to prevent their license from being revoked.

How much auto insurance do I need?

When buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if your insurance needs might need professional guidance.

• Does my policy pay for OEM or aftermarket parts?
• What is the rate difference between pleasure use and commuting?
• What is roadside assistance coverage?
• How can I force my company to pay a claim?
• Why am I required to buy liability insurance?
• Am I covered if I hit my neighbor’s mailbox?
• Is my Hyundai Sonata covered if I use it for business?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Insurance advertising tricks

Consumers constantly see and hear ads that claim the best prices from companies such as State Farm and Allstate. They all seem to tend to make the same promise about saving some big amount if you just switch your car insurance coverage to their company.

How can each company charge you less for auto insurance? You have to listen carefully.

Most companies have a preferred profile for the type of driver that will not have excessive claims. One example of a desirable risk may be between 30 and 50, has a clean driving record, and drives a vehicle with a low ISO rating. A customer getting a price quote who fits those characteristics receive the lowest rate quotes and will pay quite a bit less when switching companies.

Potential customers who are not a match for the ideal profile will probably be forced to pay higher prices and the customer not buying. Company advertisements say “customers who switch” not “everyone who quotes” save that much when switching. This is how insurance companies can advertise the savings.

Because of the profiling, drivers should compare many company’s premium rates. Because you cannot predict which car insurance company will give you lower auto insurance rates than your current company.

Car insurance coverages for a Hyundai Sonata

Understanding the coverages of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

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

Comprehensive insurance covers things such as hail damage, fire damage and falling objects. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – Collision coverage will pay to fix damage to your Sonata caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Hyundai Sonata.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for expenses like ambulance fees, prosthetic devices, surgery and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like structural damage, loss of income, emergency aid, funeral expenses and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

In conclusion

Drivers who switch companies do it for a number of reasons such as poor customer service, high prices, an unsatisfactory settlement offer and high rates after DUI convictions. It doesn’t matter what your reason, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

When you buy insurance online, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where an insured cut full coverage to discover at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at the best price while still protecting your assets.

In this article, we covered a lot of tips how to lower your 1997 Hyundai Sonata insurance car insurance rates. It’s most important to understand that the more companies you get premium rates for, the better chance you’ll have of finding affordable insurance. You may even discover the lowest car insurance rates come from an unexpected company.

More articles

• Safety Features for Your New Car (State Farm)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)