Lower Your 2015 Hyundai Sonata Car Insurance Rates

Buying low-cost insurance on the internet is problematic for people who are new to comparison shopping online. When there are so many insurers available, how can consumers have a chance to compare every company to locate the best available rates?

It’s important to compare rates yearly because rates fluctuate regularly. Even if you got the lowest price for Sonata insurance a year ago a different company probably has better rates today. Don’t believe everything you read about insurance online but we’re going to give you some guaranteed methods to put money back in your pocket.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this strategy. Although vehicle owners benefit from understanding the way insurance companies market insurance on the web and take advantage of how the system works.

Comprehensive Car Insurance Comparison Quotes

There are several ways to get quotes from local car insurance companies. The quickest method to find the cheapest 2015 Hyundai Sonata insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

  • The best way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This type of form prevents you from having to do boring form submissions for each company you want a rate for. One form submission will return price quotes from car insurance companies with the best prices. It’s definitely the quickest method.
  • A harder way to obtain and compare quotes online is spending the time to visit the website for each individual company and request a quote. For instance, we’ll assume you want comparison quotes from Progressive, GEICO and State Farm. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but make darn sure you compare identical coverage limits and deductibles with each company. If you have different limits and deductibles on each one you will not be able to make a fair comparison for your Hyundai Sonata. Just a small difference in insurance coverages can result in a big premium difference. And when comparison shopping, quoting more helps locate lower pricing.

Verify you’re getting all your discounts

Companies that sell car insurance don’t always advertise all their discounts in a way that’s easy to find, so we break down some of the best known and the more hidden savings tricks you should be using.

  • Passive Restraints and Air Bags – Factory air bags can receive discounts of more than 20%.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may save 10% to 20% off each policy.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Sonata insurance than their less cautious counterparts.
  • Homeowners Pay Less – Owning a house may earn you a small savings because maintaining a house shows financial diligence.
  • College Student – Youth drivers who are attending college and don’t have a car can be insured at a reduced rate.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, car insurance companies aren’t that generous.

Insurance companies that possibly offer these money-saving discounts include:

Check with every prospective company which discounts you may be entitled to. Savings may not be available in your area.

Factors determining your Hyundai Sonata insurance premium

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for insurance coverage. Understanding what influences your rates helps enable you to make changes that will entitle you to better insurance coverage rates.

The list below includes a partial list of the pieces that factor into prices.

  • What are your deductibles? – Physical damage coverage, also known as collision and other-than-collision, protects your Hyundai from damage. A few examples of covered claims would be colliding with a building, collision with an animal, and windstorm damage. Deductibles for physical damage are the amount of money you are willing to pay in the event of a claim. The more money you have to pay, the lower your rates will be for Sonata insurance.
  • Rates may be higher depending on your occupation – Did you know your insurance coverage rates can be affected by your occupation? Careers like lawyers, business owners and dentists are shown to have the highest average rates because of high stress levels and lots of time spent at work. Other jobs such as pilots, historians and performers pay the least for Sonata insurance.
  • Extra add-on coverages are wasting money – There are a lot of extra bells and whistles that can waste your money if you aren’t careful. Coverages like roadside assistance, accident forgiveness and additional equipment coverage may be wasting your money. They may seem like a good idea initially, but now you might not need them so get rid of them and save.
  • More miles equals more premium – The more miles you rack up on your Hyundai each year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based on how the vehicle is used. Vehicles not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your insurance coverage policy shows how each vehicle is driven. Incorrect usage on your Sonata can result in significantly higher rates.
  • With age comes lower rates – Youthful drivers tend to be less responsible behind the wheel so insurance coverage rates are higher. Having to add a teenage driver onto your insurance coverage can really hurt. Older drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers.
  • How many coverages with the same company – Many companies give discounts to customers who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to comparison shop to confirm you are receiving the best rates possible. You may still find better rates by insuring with multiple companies.

When should I talk to an agent?

When choosing adequate coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions might help in determining whether you might need an agent’s assistance.

  • How can I get my company to pay me more for my totalled car?
  • Does coverage extend to my business vehicle?
  • Does insurance cover tools stolen from my truck?
  • Can I afford low physical damage deductibles?
  • Do I need PIP coverage since I have good health insurance?
  • Does coverage extend to Mexico or Canada?
  • Should I put collision coverage on all my vehicles?
  • Are my friends covered when driving my car?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Slick advertising tricks that work

Car insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. They all seem to say the same thing about savings if you switch your coverage to them. But how can every company say the same thing?

Different companies can use profiling for the type of customer that makes them money. An example of a preferred risk could possibly be between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who do not match the “perfect” profile will be quoted higher premiums which leads to the customer not buying. The ad wording is “customers that switch” not “people who quote” save that kind of money. This is how insurance companies can make those claims. This emphasizes why it’s extremely important to get as many quotes as possible. It’s impossible to know the company that will give you the biggest savings on Hyundai Sonata insurance.

Specific coverage details

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like prosthetic devices, dental work and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, a broken windshield, theft and falling objects. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage can cover injuries or damage you cause to other people or property. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has 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 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as attorney fees, emergency aid, legal defense fees, pain and suffering and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Collision protection

This coverage will pay to fix damage to your Sonata resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, hitting a mailbox and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Do the work, save more money

Affordable 2015 Hyundai Sonata insurance is available both online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

People change insurance companies for any number of reasons including policy cancellation, being labeled a high risk driver, high rates after DUI convictions and policy non-renewal. It doesn’t matter what your reason, finding the right insurance coverage provider is not as difficult as it may seem.

We just showed you a lot of ways to compare insurance prices online. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may even discover the most savings is with a company that doesn’t do a lot of advertising.

More tips and info about insurance coverage is available at these sites: