2013 Hyundai Sonata Car Insurance Quotes – 8 Savings Tips

No sane person loves paying for auto insurance, especially when they could get a better deal.

Due to the increasing number of choices, it’s nearly impossible to pick the lowest cost auto insurance provider.

Ways to get auto insurance rate quotes

There are multiple methods to shop for auto insurance, and some are more efficient than others. You could spend the better part of a day talking to insurance companies in your area, or you can utilize the web to get rates in a matter of minutes.

Most of the larger companies take part in a program that allows shoppers to only type in their quote data once, and each participating company can provide price quotes determined by their information. This saves time by eliminating quotation requests for each company you want a rate for.

To find out how much you’re overpaying now click to open in new window.

The one downside to getting quotes like this is that consumers can’t choose which providers you want pricing from. If you wish to select individual companies to receive pricing from, we have assembled a list of the cheapest auto insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but ensure you’re using the same coverage data on every price quote you get. If you have different coverage information it will be next to impossible to determine the best price for your Hyundai Sonata. Quoting even small variations in limits can make a big difference in price. It’s important to know that obtaining a wide range of quotes gives you a better chance of getting the best rates.

Why you might not save $444 a year

Respected companies like State Farm, Allstate and Geico seem to constantly run television, radio, and online ads. All the companies advertise the message that people will save if you switch your coverage to them. It sounds good, but how can they all charge you a lower premium?

Companies have an ideal profile for the driver that earns them the most money. An example of this type of risk profile should be between 25 and 40, has no tickets, and has great credit. Any new insured who fits those characteristics will get a cheap rate quote and have a good chance to save quite a bit of money when switching.

Consumers who don’t qualify for this ideal profile must pay a more expensive rate and business going elsewhere. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save that much money. This is how insurance companies can advertise the savings.

Each company has different criteria, so you should get as many free car insurance quotes as possible. Because without a comparison, you cannot know which company will provide you with the cheapest auto insurance rates.

Lower rate quotes by taking advantage of these eight discounts

Companies that sell car insurance do not advertise every discount they offer in a way that’s easy to find, so the list below details some of the more common as well as the least known auto insurance savings.

  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on Sonata insurance depending on your auto insurance provider.
  • Accident Free – Drivers who don’t have accidents can earn big discounts as opposed to policyholders that have many claims.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but a handful of insurance companies permit an accident without getting socked with a rate hike if you are claim-free for a set time period.
  • Homeowners Discount – Just owning your own home can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Multi-car Discount – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Driver Training Discounts – Taking time to complete a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Distant Student – Children who live away from home at college without a vehicle on campus can be insured at a reduced rate.
  • Drive Less and Save – Driving less could qualify for cheaper rates.

Drivers should understand that many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky.

If you would like to view insurance companies with the best discounts, follow this link.

How much auto insurance do I need?

When buying the best auto insurance coverage, there is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out if you would benefit from an agent’s advice.

  • Is my camper covered by my car insurance policy?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered if my car is in a flood?
  • What is the ISO rating for a 2013 Hyundai Sonata?
  • Am I covered if I hit my neighbor’s mailbox?
  • When should I drop full coverage on my 2013 Hyundai Sonata?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Learn about insurance coverages for a Hyundai Sonata

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, damage from flooding and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills for funeral costs, rehabilitation expenses, prosthetic devices and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, crashing into a ditch, hitting a parking meter, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability

Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not 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. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims such as medical services, legal defense fees, pain and suffering, medical expenses and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Buy Smart and Save

You just read quite a bit of information on how to compare 2013 Hyundai Sonata insurance rates online. The key concept to understand is the more you quote car insurance, the better chance you’ll have of finding inexpensive car insurance. Drivers may discover the best price on insurance coverage is with some of the lesser-known companies. They often have lower car insurance rates on specific markets than the large multi-state companies such as Allstate or State Farm.

When getting car insurance quotes online, it’s very important that you do not buy poor coverage just to save money. There are too many instances where consumers will sacrifice liability coverage limits and learned later that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.

Low-cost 2013 Hyundai Sonata insurance is available on the web and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some insurance coverage companies may not have the ability to get a quote online and usually these small, regional companies prefer to sell through independent agents.

Helpful articles

Comments About 2013 Hyundai Sonata Insurance

  1. Elly Robertson

    Are State Farm rates cheap in Michigan?

  2. Treena Gamble

    I got quite a few price quotes for a 2013 Hyundai Sonata in Tampa, FL. Ended up at roughly $200 every six months with Auto-Owners.

  3. Charlie Caldwell

    Cheapest quote for my 2013 Hyundai Sonata was with Encompass.

  4. Alishia Brooks

    In Seattle, Washington, Progressive auto insurance rates for my 2013 Hyundai Sonata were good. Moved home policy as well. I got prices on the web.

  5. Kiera Garrison

    Is Progressive or State Farm cheaper in Missoula, Montana?

  6. Jody Watkins

    Located in Montgomery, AL. Quoted with AAA, Nationwide, and a few others for my 2013 Hyundai Sonata and saved $549 a year. I think they have home insurance too. It was easy to get rates.

  7. Andrew Ewing

    I’m in the suburbs of Manchester, NH, and Allstate rates were best. Moved home policy as well.