Cheaper 2013 Hyundai Sonata Hybrid Insurance Quotes

Trying to find better insurance prices for a Hyundai Sonata Hybrid can normally be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to find insurance online and you need to know the absolute fastest way to get price quotes for a new or used Hyundai and obtain the lowest possible price.

You need to get comparison quotes occasionally because prices are usually higher with each renewal. Even if you think you had the best quotes for Sonata Hybrid insurance at your last renewal there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because you’re about to learn how to use online quotes to lower your rates without sacrificing coverage.

Insurance coverage discounts are available to lower your rates

Some insurers don’t always publicize all available discounts in an easy-to-find place, so the following list contains some of the more common as well as the least known credits available to you.

  • No Accidents – Drivers who don’t have accidents pay less in comparison to insureds who have frequent claims or accidents.
  • Pay Upfront and Save – By making one initial payment rather than paying monthly you could save 5% or more.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can get savings of 25 to 30%.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper because newer vehicles are generally safer.
  • Defensive Driver – Passing a course teaching safe driver skills may get you a small discount and also improve your driving technique.
  • Own a Home and Save – Being a homeowner can save you money because it shows financial diligence.
  • Senior Citizens – Older drivers are able to get a small discount on rates for Sonata Hybrid insurance.
  • Multi-Vehicle Discounts – Buying a policy with multiple cars or trucks on one policy qualifies for this discount.

It’s important to understand that many deductions do not apply the the whole policy. Most only cut individual premiums such as liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, it doesn’t quite work that way.

A few of the larger companies and their possible discounts are shown below.

  • Geico offers discounts including daytime running lights, federal employee, driver training, emergency military deployment, five-year accident-free, anti-lock brakes, and military active duty.
  • Mercury Insurance includes discounts for good student, accident-free, multi-car, good driver, age of vehicle, multi-policy, and type of vehicle.
  • Farmers Insurance offers discounts for multi-car, good student, distant student, early shopping, and homeowner.
  • Auto-Owners Insurance offers premium reductions for paperless, company car, student away at school, multi-policy, air bags, and safe driver.
  • Liberty Mutual may include discounts for newly retired, multi-policy, exclusive group savings, teen driver discount, and new graduate.
  • SAFECO has savings for accident prevention training, drive less, teen safe driver, anti-theft, and multi-car.
  • Progressive has discounts for good student, online quote discount, multi-vehicle, multi-policy, and online signing.
  • USAA may have discounts that include good student, driver training, loyalty savings, military installation, and annual mileage.

When quoting, ask each company how you can save money. Depending on the company, some discounts may not be available in your state.

Everyone needs different auto insurance coverages

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

For example, these questions can help discover whether your personal situation could use an agent’s help.

  • Does insurance cover tools stolen from my truck?
  • How do I file an SR-22 for a DUI in my state?
  • When can my company non-renew my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When should I not file a claim?
  • Do I need motorclub coverage?
  • Should I rate my 2013 Hyundai Sonata Hybrid as pleasure use or commute?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Knowing the specifics of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for liability

This coverage will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as repair bills for other people’s vehicles, medical expenses, attorney fees and emergency aid. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, a broken windshield and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Hyundai Sonata Hybrid.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, colliding with another moving vehicle, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses such as prosthetic devices, chiropractic care, funeral costs, surgery and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Money doesn’t grow on trees

Consumers switch companies for many reasons like policy non-renewal, poor customer service, delays in paying claims and high rates after DUI convictions. No matter why you want to switch, switching companies is easier than you think.

When you buy insurance online, make sure you don’t reduce needed coverages to save money. There have been many situations where someone sacrificed physical damage coverage only to find out they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

The cheapest 2013 Hyundai Sonata Hybrid insurance is possible on the web and from local insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not provide rate quotes online and many times these regional insurance providers only sell coverage through local independent agents.

Even more information can be read at these sites:

Comments About 2013 Hyundai Sonata Hybrid Insurance

  1. Inga Franks

    Here’s my quote info. I live on the north side of Houston, TX. Got prices from USAA, Amica, Hartford, and Sentry for my Hyundai and saved just over $260 a year. BTW speeding tickets are not good. It’s easy to compare rates online now.

  2. Jere Jimenez

    If you don’t have tickets and live in the vicinity of Great Falls, Montana, check out 21st Century. They seem to be cheaper. I quoted rates online then called them.

  3. Fern Robinson

    I found pretty cheap rate quotes for a 2013 Hyundai Sonata Hybrid in Milwaukee, WI. Ended up at right around $380 every six months with AIG Insurance.

  4. Kristi Walls

    If you have a good history and are close to Kansas City, MO, check out Progressive. They seem to be cheaper. Highly recommended.

  5. Adella Aguilar

    All insurance companies are crooks.

  6. Beatrice Flynn

    In Knoxville, TN, American Family had the best rates for my 2013 Hyundai Sonata Hybrid. Left AIG Insurance to switch. I think they have home insurance too. Did it all online.

  7. Loraine Gibson

    Just my two cents. I live on the east side of Colorado Springs, CO. Got quotes from GMAC, Auto-Owners, MetLife, and a couple others for my Sonata Hybrid and I think I saved about $40 each month. Left Amica to switch. I increased coverages a little too.

  8. Margarita Bishop

    Enjoyed the article. From northwest of Lincoln, Nebraska. Quoted with GMAC, American Family, Sentry, and a couple others for my Hyundai and saved just over $220 a year. Insured with AAA before. Even increased my liability limits.

  9. Allison Moon

    Mine is so expensive. Quoted with American Family for my Hyundai and saved about $380 a year. Was with GEICO. I get a discount for insuring multiple vehicles. Just waiting to see how claims go.

  10. Annika Mcleod

    I’m in Aurora, CO, and Progressive rates were affordable. Just waiting to see how claims go.

  11. Eleanor Hahn

    If you have a clean record and live near Worcester, MA, check out 21st Century. I saved quite a bit. Was with Encompass.

  12. Harland Vazquez

    I can’t pay high rates. From northwest of Sioux Falls, SD. I compared lots of rates. Saved right around $60 a month. 21st Century was the most affordable for me. I get lower rates because of my clean driving record.

  13. Xiomara Allison

    I got decent rates for a 2013 Hyundai Sonata Hybrid in Omaha, NE. Ended up at roughly $230 every six months with Amica. Insured with Sentry before. They have free quotes online.

  14. Murray Neal

    I compared a lot of rate quotes for a 2013 Hyundai Sonata Hybrid in Provo, Utah. Ended up at roughly $380 every six months with American Family. Left Progressive to switch. Have an at-fault accident tho. Not sure if rates are cheaper online or not.

  15. Lizabeth Walter

    Do I have to carry car insurance in Texas?