2010 Hyundai Sonata Insurance Rates
Are you drained from being strong-armed to pay car insurance each month? You have the same problem as many other drivers.
Many auto insurance companies vie for your insurance dollar, so it’s not easy to compare every insurer to find the best price available.
How to lower your auto insurance cost
The are a couple different ways to obtain and compare prices from many auto insurance companies in your state. The best method to find competitive 2010 Hyundai Sonata insurance rates is to jump online and get quotes. It’s really quite simple and can be done in several different ways.
- If you don’t have a lot of time, the easiest way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This quick form keeps you from doing multiple quote forms to each individual auto insurance company. Just one form gets insurance cost estimates direct from many companies.
- A more time consuming way to get quotes online requires you to visit each company’s website and fill out a new quote form. For sake of this example, let’s say you want rates from Allstate, Safeco and Geico. You would have to navigate to each company’s site and enter your policy data, and that’s why the first method is more popular.
For a list of links to insurance companies in your area, click here.
How you compare quotes is your choice, just make sure you are using the same coverage information with each company. If your comparisons have higher or lower deductibles it’s impossible to determine the best price for your Hyundai Sonata. Just a small difference in coverage limits could mean much higher rates. Just keep in mind that comparing more rates from different companies helps locate more affordable insurance. Some insurance companies are not set up to provide online quotes, so you need to compare prices from the smaller companies as well.
Insurance coverage advertising gotchas
21st Century, Allstate and State Farm regularly use ads on television and other media. All the ads make the point that drivers will save a bundle just by moving to them. It sounds good, but how can they all give you a better price? Here is how they do it.
Most companies have a preferred profile for the type of customer that is profitable for them. For example, a profitable insured may need to be a married female, owns a home, and does not commute to work. A customer who matches that profile will probably get the lowest car insurance rates as well as cut their rates substantially.
Potential customers who don’t measure up to these stringent criteria will see a more expensive rate which translates to the customer buying from a different company. The ads say “people that switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can state the savings. Because every company is different, it is so important to get as many free insurance coverage quotes as possible. It is impossible to predict with any certainty which company will provide you with the cheapest car insurance rates.
Do you qualify for discount car insurance?
Companies that sell car insurance don’t list the entire discount list in an easy-to-find place, so the next list breaks down some of the best known in addition to some of the lesser obvious discounts that you may qualify for. If you do not double check each discount you deserve, you are just wasting money.
- E-sign Discounts</strong – Many car insurance companies provide a small discount just for signing your application on their website.
- Organization Discounts – Participating in a qualifying organization could trigger savings when getting a insurance coverage quote.
- No Accidents – Good drivers with no accidents are rewarded with significantly better rates on insurance coverage quote in comparison to drivers who are more careless.
- Multiple Vehicles – Purchasing coverage when you have more than one vehicle on one policy can get a discount on all vehicles.
- One Accident Forgiven – This isn’t a discount exactly, but some insurance companies allow you one accident without raising rates with the catch being you have to be claim-free for a certain period of time.
- Discounts for Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Sonata insurance with some car insurance companies.
A little disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though you would think all those discounts means the company will pay you, companies don’t profit that way.
Insurance companies that may offer quotes with most of the discounts above possibly include:
When getting a coverage quote, ask all companies you are considering what discounts are available to you. Discounts might not be offered everywhere. To find providers who offer cheap car insurance quotes, click here to view.
What insurance coverages do I need?
When it comes to choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance should reflect that For example, these questions can aid in determining whether you may require specific advice.
- Are split liability limits better than a combined single limit?
- Why do I need rental car insurance?
- What is the difference between comprehensive and collision coverage?
- Where can I find DUI or SR-22 insurance?
- Should I sign the liability waiver when renting a car?
- Can I make deliveries for my home business?
If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier
Specific coverages for a 2010 Hyundai Sonata
Having a good grasp of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average car insurance policy.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like prosthetic devices, doctor visits, nursing services and dental work. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Auto liability insurance
This provides protection from damages or injuries you inflict on people or other property. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.
Liability coverage protects against claims like repair costs for stationary objects, loss of income, medical services and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.
UM/UIM Coverage
Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Comprehensive or Other Than Collision
This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like fire damage, falling objects, rock chips in glass, vandalism and damage from flooding. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Auto collision coverage
This covers damage to your Sonata resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like crashing into a building, sustaining damage from a pot hole, rolling your car, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Shop. Compare. Save.
When getting insurance coverage quotes online, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced full coverage only to regret at claim time that it was a big mistake. Your goal should be to get the best coverage possible at the best cost while not skimping on critical coverages.
In this article, we covered some good ideas how you can get a better price on 2010 Hyundai Sonata insurance. It’s most important to understand that the more companies you get car insurance rates for, the better likelihood of getting affordable insurance coverage. You may be surprised to find that the most savings is with some of the smallest insurance companies. These companies often have lower car insurance rates on specific markets than their larger competitors like State Farm or Progressive.
More detailed auto insurance information is located by following these links:
- Safe Vehicles for Teens (iihs.org)
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
- How to Avoid Buying a Flooded Car (Insurance Information Insitute)
- Winter Driving (Insurance Information Insitute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
Carma Ingram
It all costs too much. From northwest of Montgomery, AL. I quoted with Allstate, Esurance, and Hanover for my 2010 Hyundai Sonata and saved $160 a year. Insured with Amica before. Ask about discounts.
Shela Cote
I’ve insured with Allstate for a long time. Pretty cheap in Juneau, Alaska.
Kendall Donovan
Lifelong resident of Rochester, New York. Compared rates from a lot of places. Saved right around $40 a month. GEICO was the best choice for me. Insured with Liberty Mutual before. Teenage drivers are expensive! I used their website to get prices.
Justin Ochoa
If you have a good history and live near Davenport, Iowa, check out 21st Century. You might get cheaper rates. My new agent seems to be really good. I got prices on the web.
Michal Preston
From northwest of San Antonio, TX. Quoted rates from 21st Century, American Family, and some I forget for my Sonata and I think I saved about $30 each month. Good savings if you bundle.
Lizzette Marks
Hope my car insurance gets cheaper. I’m in the suburbs of Baton Rouge, Louisiana. Quoted a bunch of companies. Saved about $50 a month. Allstate was the most affordable for me. I’m a pretty low risk driver.
Delores Stephens
From a town just southwest of Grand Rapids, Michigan. I got free prices from AIG Insurance, Safeco, and USAA for my Hyundai and I’m now saving $60 a month. I have several vehicles insured with them. Are quotes cheaper online?
Andra Newman
Any Allstate or Esurance customers near Milwaukee, WI?
Raymon Guy
Cheaper not always better. I live just outside Detroit, MI. Got car insurance quotes from Progressive, AIG Insurance, and some I forget for my Hyundai and saved just over $390 a year. I have several vehicles insured with them. It’s easy to compare rates online now.
Stacia Trevino
Not sure if this is cheap. Got a quote with Western Auto Insurance for my Hyundai and am saving around $190 a year. Have a couple speeding tickets too.
Shanda Potts
Cheap is not always the best policy. Checking in from Aurora, CO. Can’t remember who all I quoted but I ended up saving about $40 each month.
Etsuko Sears
Hope my car insurance gets cheaper. Quoted with Amica for my 2010 Hyundai Sonata and cut my rates about $210 a year. I even had a DUI years ago. It’s easy to compare rates online now.
Dani Rodriguez
It’s all a rip off. From Philadelphia, Pennsylvania. Received quotes from AIG Insurance, Mercury, and a few others for my Sonata and saved just over $490 a year. Was with Safeco.