How Much Does 1999 Hyundai Sonata Car Insurance Cost?

Trying to find lower insurance coverage rates for your Hyundai Sonata? Did a good deal turn into high-priced insurance coverage? You’re in good company because you are not the only one feeling buyer’s remorse.

Consumers have many car insurance companies to choose from, and though it is a good thing to have multiple companies, it can be more challenging to locate the cheapest rates.

Affordable car insurance price quotes online

Performing a rate comparison can take time and effort if you don’t understand the fastest way to get free quotes. You can spend countless hours driving to insurance companies in your area, or you can stay home and use the internet to get the quickest rates.

Many companies belong to a marketplace where prospective buyers only type in their quote data once, and each participating company returns a competitive quote based on the submitted data. This system prevents you from having to do form submissions to every company.

To submit your quote information now, click here (opens in new window).

The only downside to using this type of system is that you can’t choose the companies to get quotes from. So if you prefer to pick from a list of companies to compare, we have a listing of companies who write car insurance in your area. Click here to view list.

Compare rates however you want, just compare exactly the same information with every price quote. If you have different deductibles it will be nearly impossible to truly determine the lowest rate. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. It’s important to know that more quotes helps improve the odds of finding the best price. Some insurance companies are not set up to provide prices over the internet, so you should also compare prices from the smaller companies as well.

Car insurance ads are enticing

Respected companies like State Farm and Allstate endlessly run ads on TV and radio. All the companies convey the message that people will save after switching to their company. How is it plausible that every one can save you money? Just pay attention to how they say it.

Many companies have a preferred profile for the type of customer that will add to their bottom line. For example, a desirable risk may need to be a married male, owns their home, and has great credit. Any new insured who matches those parameters receive the lowest rate quotes and as a result will probably save money with a new company.

Drivers who fall short of the “perfect” profile may be required to pay a more expensive rate which leads to the customer not buying. The ad wording is “drivers who switch” not “everyone who quotes” can save as much as they claim. That is how insurance companies can state the savings. That is why it’s extremely important to get car insurance quotes from several different companies. Because without a comparison, you cannot know with any certainty which company will fit you best based on your risk profile.

Insurance coverage discounts help slash rates

Companies offering auto insurance don’t always list the complete list of policy discounts in an easy-to-find place, so the following is a list of a few of the more well known and the more hidden credits available to you.

• First Accident Forgiveness – This one is not really a discount per se, but some insurance companies will let one accident slide before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.
• Organization Discounts – Joining a civic or occupational organization could earn you a nice discount on your next renewal.
• Student in College – Older children living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
• Telematics Discount – Drivers that enable driving data submission to monitor driving patterns remotely such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they exhibit good driving behavior.
• Auto/Life Discount – If the company offers life insurance, you could get lower prices if you buy life insurance from them.
• Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course in high school.
• Defensive Driving Course – Successfully completing a class that teaches defensive driving techniques could earn you a small percentage discount and also improve your driving technique.

You should keep in mind that many deductions do not apply to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any amount of discount should help lower your policy premiums.

If you would like to choose from a list of insurance coverage companies with discount rates, click here.

Which is the best insurance coverage?

When buying adequate coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that might help in determining if your situation may require specific advice.

• Is a fancy paint job covered?
• Is motorclub coverage worth it?
• If my pet gets injured in an accident are they covered?
• Does coverage extend to a rental car in a foreign country?
• I have a DUI can I still get coverage?
• Should I waive the damage coverage when renting a car?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Detailed coverages of your car insurance policy

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on most car insurance policies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills for dental work, pain medications, X-ray expenses and chiropractic care. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover 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

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, rock chips in glass, a tree branch falling on your vehicle and damage from flooding. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability

This protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as repair costs for stationary objects, medical services, bail bonds, court costs and structural damage. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Coverage for collisions

This covers damage to your Sonata caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, driving through your garage door, damaging your car on a curb, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

In the end, you save

Cheaper 1999 Hyundai Sonata insurance is definitely available both online as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies may not offer price quotes online and these smaller providers provide coverage only through local independent agents.

When getting car insurance quotes online, you should never reduce needed coverages to save money. There have been many cases where someone sacrificed physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

For more information, take a look at the articles below:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Choosing a Car for Your Teen (State Farm)
• Teen Driver Licensing Information (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Anti-Lock Brake FAQ (iihs.org)