2015 Hyundai Sonata Hybrid Insurance Rates – 6 Tips for Best Quotes

Searching for lower insurance rates for your Hyundai Sonata Hybrid? Did you fall for a flashy sales pitch and buy overpriced insurance? Trust us, many consumers feel financially strained by their insurance policy. Drivers have multiple insurance companies to insure vehicles with, and although it’s nice to be able to choose, too many choices makes it more difficult to compare company pricing.

Consumers need to compare rates periodically since insurance rates trend upward over time. Just because you found the best deal on Sonata Hybrid coverage two years ago there may be better deals available now. Starting now, block out anything you think you know about insurance because it’s time to teach you how to use the internet to lower your annual insurance bill.

Cheap Auto Insurance Comparisons

There are multiple methods you can shop for 2015 Hyundai Sonata Hybrid auto insurance but there is one way that is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to quickly compare rates.

Many popular insurance companies belong to a marketplace that enables customers to submit their information once, and each participating company can give them a price. This prevents consumers from doing quote forms for each company.

To submit your quote information now, click here to open in new window.

One minor caviat to doing it this way is you can’t choose the providers you will receive quotes from. So if you want to select specific insurance companies to request quotes from, we have a page of auto insurance companies in your area. Click here to view list.

Whichever method you choose, make darn sure you compare exactly the same information on every quote you get. If the quotes have mixed coverages it will be next to impossible to determine the lowest rate for your Hyundai Sonata Hybrid.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

  • Does my policy cover my teen driver if they drive my company car?
  • How much liability coverage do I need in my state?
  • Are my friends covered when driving my car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How can I get my company to pay me more for my totalled car?
  • Will I lose any money if I cancel my policy before it expires?
  • What if I total my 2015 Hyundai Sonata Hybrid and owe more than it’s worth?
  • How much liability do I need to cover my assets?
  • Is my ex-spouse still covered by my policy?
  • How do I insure my teen driver?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages and their meanings

Knowing the specifics of a insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Liability car insurance

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

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 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like pain and suffering, funeral expenses and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

Collision coverage pays for damage to your Sonata Hybrid resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, backing into a parked car, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, a broken windshield, hitting a deer, damage from a tornado or hurricane and damage from getting keyed. The most 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.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses like dental work, ambulance fees, X-ray expenses, surgery and nursing services. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2015 Hyundai Sonata Hybrid.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.