2017 Hyundai Sonata Insurance Quotes – 9 Tricks for Cheaper Rates

Saving money on insurance coverage can be difficult for people who are new to online insurance quotes. With such a big selection of agents and insurance companies available, it can turn into a difficult situation to find better prices.

The best way we recommend to get policy rate comparisons takes advantage of the fact most of the larger companies allow for online access to give you rate quotes. All consumers are required to do is take a few minutes to give details such as whether your vehicle is owned or leased, if you went to college, level of coverage desired, and if you require a SR-22. That information is instantly sent to many highly-rated insurers and they respond with quotes instantly to find the best rate.

Cheaper rates with these nine discounts

Car insurance companies don’t list every available discount very well, so the list below gives a summary of a few of the more common and the harder-to-find ways to save on insurance coverage.

• Data Collection Discounts – Drivers who agree to allow companies to spy on driving patterns by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if their driving habits are good.
• Save over 55 – If you qualify as a senior citizen, you can possibly qualify for lower premium rates for Sonata coverage.
• Theft Prevention System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
• Discounts for Government Workers – Simply working for the federal government may reduce rates when you quote auto insurance for Sonata coverage with a few insurance coverage companies.
• Switch and Save Discount – Select insurance companies give a discount for switching policies before your current expiration date. You could save around 10% when you buy auto insurance online.
• ABS Brakes – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
• Defensive Driver Discount – Taking a course teaching safe driver skills may get you a small discount and also improve your driving technique.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.
• Savings for New Vehicles – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for new vehicles.

One last thing about discounts, some credits don’t apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. So even though they make it sound like you could get a free insurance coverage policy, it’s just not the way it works.

The best insurance coverage companies and a partial list of their discounts are detailed below.

• State Farm may include discounts for passive restraint, safe vehicle, good student, driver’s education, and defensive driving training.
• Farmers Insurance includes discounts for teen driver, mature driver, business and professional, alternative fuel, electronic funds transfer, switch companies, and multi-car.
• Geico discounts include defensive driver, anti-lock brakes, multi-vehicle, seat belt use, membership and employees, daytime running lights, and driver training.
• American Family policyholders can earn discounts including good driver, good student, Steer into Savings, multi-vehicle, TimeAway discount, and air bags.
• Nationwide may offer discounts for multi-policy, good student, easy pay, family plan, anti-theft, accident-free, and defensive driving.
• Progressive has savings for online quote discount, multi-vehicle, online signing, homeowner, and good student.

It’s a good idea to ask each insurance company which credits you are entitled to. Discounts might not be offered everywhere. To locate insurance companies with discount rates, click here.

Insurance can be complex

When it comes to choosing the best insurance coverage, there is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help you determine whether your personal situation may require specific advice.

• Are all vehicle passengers covered by medical payments coverage?
• Do I need rental car coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need to file an SR-22 for a DUI in my state?
• Is business property covered if stolen from my car?
• At what point should I drop full coverage?
• Can my teen driver be rated on a liability-only vehicle?
• Do I really need UM/UIM coverage?
• Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverages for a 2017 Hyundai Sonata

Having a good grasp of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Hyundai Sonata.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses for ambulance fees, nursing services, prosthetic devices and funeral costs. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a bird, hail damage and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping 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 first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as emergency aid, repair bills for other people’s vehicles, medical services, medical expenses and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.