Lower Your 2005 Hyundai Sonata Insurance Cost

Want the cheapest car insurance rates for your Hyundai Sonata? Trying to find the cheapest insurance for a Hyundai Sonata can be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to compare car insurance rates and you need to know the best way to price shop coverage on a Hyundai and get the lowest price from both online companies and local agents.

Locating the lowest cost car insurance coverage is simple if you know the tricks. If you have a current car insurance policy or need new coverage, you can use these tips to find the best rates while maintaining coverages. Vehicle owners only need an understanding of the proper way to compare rates over the internet.

Get lower-cost insurance rates with discounts

Some insurance providers don’t always publicize every possible discount in a way that’s easy to find, so the list below contains a few of the more common as well as the least known credits that may apply to you. If you do not check that you are getting every discount possible, you are throwing money away.

  • Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Employee of Federal Government – Federal government employees could qualify for a slight premium decrease for Sonata coverage with some insurance companies.
  • Resident Student – Any of your kids who are attending college and do not have a car may be insured at a cheaper rate.
  • Senior Citizen Discount – Drivers over the age of 55 are able to get a slight reduction on a insurance quote for Sonata coverage.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life insurance policy as well.

It’s important to understand that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you can get free auto insurance, that’s just not realistic.

Popular insurance companies and a partial list of their discounts are included below.

  • State Farm may have discounts that include Steer Clear safe driver discount, accident-free, multiple policy, multiple autos, anti-theft, and student away at school.
  • Esurance includes discounts for good student, emergency road assistance, claim free, multi-policy, Pac-12 alumni, and anti-lock brakes.
  • Progressive has savings for multi-policy, online signing, multi-vehicle, continuous coverage, and good student.
  • Liberty Mutual policyholders can earn discounts including newly married, teen driver discount, newly retired, good student, preferred payment discount, and new graduate.
  • Auto-Owners Insurance offers premium reductions for paid in full, anti-theft, group or association, paperless, and air bags.
  • Geico offers discounts for seat belt use, daytime running lights, air bags, federal employee, and emergency military deployment.

When getting a coverage quote, ask every insurance company which discounts they offer. Some discounts might not be offered on policies in your state. To locate companies who offer discounts, click this link.

Lower insurance rates with these tips

Many factors are considered when quoting car insurance. Most are fairly basic such as your driving history, but other criteria are less apparent like your continuous coverage or how financially stable you are.

The itemized list below are some of the most common factors insurance companies consider when setting your rates.

  • Do females or males drive better? – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that females are better at driving than males. They both are in fender benders at about the same rate, but the males cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and therefore have the most expensive insurance rates.
  • Married people drive safer – Having a spouse may earn you lower rates compared to being single. Marriage generally demonstrates drivers are more financially stable and insurance companies reward insureds because being married results in fewer claims.
  • Deter vehicle theft – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms can thwart your vehicle from being stolen.
  • Safer the car lower the rate – Safer cars tend to have better insurance rates. Vehicles engineered for safety reduce the chance of injuries and reduced instances of injuries translates into savings for insurance companies and lower rates for you. If the Hyundai Sonata earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Rates can drop if you have more than one policy – Most companies give lower prices for people who consolidate policies with them. It’s known as a multi-policy discount. The discount can be 10 percent or more. If you currently are using one company, you may still want to check prices from other companies to help ensure you have the lowest rates. It’s possible to still save more without the discount even if you have your coverage with different companies
  • City traffic equals higher premiums – Living in small towns and rural areas can save you money when it comes to insurance. Residents of big cities tend to have traffic congestion and longer commutes to work. Fewer drivers and short commutes translates into fewer accidents and a lower car theft rate.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there is no “perfect” insurance plan. Every situation is different.

For instance, these questions can aid in determining if your situation will benefit from professional help.

  • Can I get a multi-policy discount?
  • Is my teenager covered with friends in the car?
  • Is my ex-spouse still covered by my policy?
  • I have health insurance so do I need medical payments coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered if I break a side mirror?
  • If my pet gets injured in an accident are they covered?
  • How much liability coverage do I need in my state?
  • Can my babysitter drive my car?
  • Am I insured when driving a different vehicle?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Car insurance 101

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as falling objects, a tree branch falling on your vehicle, damage from flooding, damage from a tornado or hurricane and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills such as rehabilitation expenses, funeral costs, EMT expenses, chiropractic care and surgery. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, damaging your car on a curb, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Liability auto insurance

This can cover injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, structural damage, repair costs for stationary objects, attorney fees and emergency aid. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Take this to the bank

Throughout this article, we presented many ideas to get a better price on 2005 Hyundai Sonata insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from the least-expected company.

Insureds change insurance companies for any number of reasons including high rates after DUI convictions, poor customer service, delays in responding to claim requests or extreme rates for teen drivers. It doesn’t matter what your reason, finding the right insurance coverage provider is less work than it seems.

When shopping online for insurance coverage, it’s very important that you do not buy poor coverage just to save money. In many cases, an insured cut liability coverage limits to discover at claim time that it was a big error on their part. Your objective should be to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

Additional detailed information is available by following these links:

Comments About 2005 Hyundai Sonata Insurance

  1. Eneida Gentry

    I was with Hanover last year but switched to GEICO. Lifelong resident of Dover, DE. Hopefully won’t need it.

  2. Dacia Cote

    Quoted with Sentry for my Sonata and saved around $150 a year.

  3. Kayleen Carlson

    Liked the article. From northwest of Worcester, MA. I don’t recall every quote but I ended up saving about $50 each month. Did it all online.

  4. Shona Justice

    Anyone buy from AIG Insurance? I’m in Bridgeport, CT.

  5. Sun Peters

    Where is cheaper car insurance? I’m in the south part of New Orleans, Louisiana. Got free quotes online for a 2005 Hyundai Sonata. Ended up at about $530 savings annually. Went with Allstate. I’m a pretty low risk driver. Get lots of quotes to find the best rate.

  6. Karisa Wood

    I live in Dallas, Texas. Received rates from GEICO, Farmers, and Hartford for my 2005 Hyundai Sonata and I think I saved about $20 each month. Thankfully I’m not a high risk driver. Not sure if rates are cheaper online or not.

  7. Sherrill Benton

    I live just to the west of Montgomery, AL. Compared rates from a lot of places. Saved darn near $50 a month. Allstate was the most affordable for me. Left AAA to switch. Get lots of quotes to find the best rate.

  8. Amelia Lawson

    I’ve had Allstate for years. I’m in Fort Smith, AR.

  9. Danille Ratliff

    In Newark, DE, GEICO auto insurance rates for my 2005 Hyundai Sonata were good.

  10. Francisca Wells

    If you don’t have tickets and are close to Rutland, Vermont, check out Allstate. You might get cheaper rates. I got a quote from their website.

  11. Conception Curtis

    Cheap is relative. From northwest of Manchester, New Hampshire. Got quotes with State Farm, Hartford, and Eastwood for my 2005 Hyundai Sonata and saved just over $450 a year.

  12. Nena Noble

    Here’s what I found out. I’m in the south part of Los Angeles, CA. Got quotes from The General, AAA, Nationwide, and a couple others for my Sonata and saved just over $110 a year. They have a lot of discounts available.

  13. Patria Rodriquez

    Good site, thanks. I live in Jackson, MS. Got quotes with Allstate, American Family, Encompass, and Hartford for my Sonata and saved just over $300 a year. Insured with Farmers before. I’m a pretty low risk driver.

  14. Dorcas Rich

    Liked the article. I’m in Charlotte, NC. Got prices from Safeco, Farmers, GEICO, and AAA for my Hyundai and saved $460 a year. Was with GMAC. I get multi-vehicle and multi-policy discounts. God forbid I actually have a claim.

  15. Germaine Warren

    Cheapest quote for my 2005 Hyundai Sonata was with Esurance. Was with AAA. :P

  16. Billi Villarreal

    Cheaper car insurance is a myth. I’m just west of Saint Louis, MO. I compared lots of rates. Saved about $30 a month. GEICO was the best choice for me.

  17. Agustina Powers

    From northwest of Memphis, TN and for me Allstate had the lowest quote.

  18. Carina Clayton

    From south side of Phoenix, AZ. Don’t remember every company but I ended up saving about $20 each month. I’m a pretty low risk driver. Hardly afford to drive anymore.