Compare 2014 Hyundai Sonata Car Insurance Quotes

Searching for the cheapest car insurance rates for your Hyundai Sonata? Are you tired of trying to scrape together enough money to pay your car insurance bill each month? You are no different than many other drivers.

Many car insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare insurers to discover the definitive best price available.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. Buying car insurance is not rocket science. But vehicle owners must know how the larger insurance companies price online insurance because it can help you find the best coverage.

Free Quotes for Car Insurance

When shopping for car insurance there are multiple ways of comparing rate quotes and find the best price. The fastest way to find the lowest 2014 Hyundai Sonata rates is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.

Probably the best way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This method prevents you from having to do boring form submissions to each individual car insurance company. A single form gets you coverage quotes from several companies.

A more time consuming way to shop for car insurance online is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For examples sake, we’ll pretend you want rates from Allstate, Esurance and Progressive. To get each rate you have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just be sure to compare identical coverages on every quote you get. If you are comparing unequal deductibles or liability limits you can’t possibly determine which rate is truly the best. Just a small difference in coverage limits may cause a big price difference. And when comparing car insurance rates, know that comparing more company’s prices helps locate the best offered rates.

How can State Farm, Geico and Progressive save drivers who switch?

Auto insurance providers like State Farm, Geico and Progressive regularly use ads in print and on television. They all have a common claim that you’ll save big if you move your coverage to them. How can each company make the same claim?

Different companies are able to cherry pick for the type of customer that is profitable for them. An example of a driver they prefer could be between 30 and 50, has no driving citations, and has a high credit rating. A customer who fits that profile receives the best rates and most likely will pay quite a bit less when switching companies.

Potential insureds who fall outside these standards will have to pay higher rates and this can result in the driver buying from a lower-cost company. The ads state “customers who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can confidently make those claims.

Because of the profiling, you absolutely need to quote coverage with many companies. Because you never know which auto insurance company will have the lowest Hyundai Sonata insurance rates.

Are you getting all your discounts?

Insurance can cost an arm and a leg, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but less common discounts must be specifically requested in order for you to get them.

  • Auto/Life Discount – Some companies give lower rates if you buy a life insurance policy as well.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • 55 and Retired – Older drivers may qualify for a discount up to 10% for Sonata coverage.
  • Homeowners Savings – Owning a house may earn you a small savings because of the fact that having a home shows financial diligence.
  • E-sign – Some insurance companies may give you up to $50 simply for signing digitally online.
  • Memberships – Participating in a civic or occupational organization may earn a discount on insurance for Sonata coverage.

Keep in mind that some credits don’t apply the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will help reduce your overall premium however.

For a list of insurance companies offering insurance discounts, click this link.

When might I need an agent?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For example, these questions could help you determine whether or not you could use an agent’s help.

  • When would I need rental car insurance?
  • Is my camper covered by my car insurance policy?
  • What is an SR-22 filing?
  • How much liability coverage do I need in my state?
  • What discounts do I qualify for?
  • Should I buy additional glass protection?
  • How high should my uninsured/underinsured coverage be in my state?
  • What are the best liability limits?
  • Is rental equipment covered for theft or damage?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance 101

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Liability coverages – Liability insurance can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, emergency aid, attorney fees, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for bills such as dental work, rehabilitation expenses, ambulance fees, doctor visits and prosthetic devices. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Hyundai Sonata.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive auto insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, theft, fire damage, rock chips in glass and a broken windshield. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage covers damage to your Sonata caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sustaining damage from a pot hole, sideswiping another vehicle, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

More effort can pay off

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at the best price while still protecting your assets.

We just presented quite a bit of information on how to save on 2014 Hyundai Sonata insurance. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from some of the smallest insurance companies. They may only write in your state and offer lower rates as compared to the big name companies such as Geico and State Farm.

More information is available at the links below