Cheapest 2014 Hyundai Sonata Insurance Rates in 2023
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UPDATED: Dec 1, 2021
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Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their car insurance policy. Numerous car insurance companies battle for your hard-earned dollar, so it’s not easy to compare every company to get the best rate
If you are insured now or are just looking to switch companies, you can learn to find better prices and possibly find even better coverage. Finding affordable coverage is not rocket science. Drivers only need to know the most effective way to shop on the web.
Compare Quotes for Auto Insurance
Getting a cheaper price on 2014 Hyundai Sonata insurance doesn’t have to be difficult. Consumers just need to take a couple of minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.
The recommended way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating separate quote forms to each individual auto insurance company. One quote request will get you price quotes from all major companies.
A slightly less efficient method to get comparison quotes consists of going to the website for every company you want to comare and complete a new quote form. For examples sake, let’s say you want to compare Liberty Mutual, Allstate and GEICO. To get each rate you have to take the time to go to each site to input your insurance information, which is why most consumers use the first method.
For a handy list of car insurance company links in your area, click here.
The least recommended method of getting rate comparisons is to waste gas driving to different agent offices. Shopping for auto insurance online has reduced the need for local agents unless you have a need for the professional guidance of a local agent. It is possible to obtain prices from the web but still have the advice of a local agent and we’ll talk about that later.
It’s up to you how you get prices quotes, just ensure you are comparing exactly the same quote information for every company. If you have different deductibles then you won’t be able to determine which rate is truly the best.
Take these eight discounts and save
Companies offering auto insurance do not advertise all available discounts very clearly, so the following is a list of both well-publicized and the more hidden insurance coverage savings. If you’re not getting every credit possible, you are throwing money away.
- Paperwork-free – A handful of insurance companies may give you up to $50 just for signing your application online.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Sonata coverage with certain companies.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
- Defensive Driving Course – Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
- Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school.
- Low Mileage – Keeping the miles down on your Hyundai can qualify you for discounted rates on garaged vehicles.
- Military Rewards – Having a deployed family member may qualify for rate reductions.
As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.
For a list of companies with the best insurance coverage discounts, click here.
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Which policy gives me the best coverage?
When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether or not you could use an agent’s help.
- Should I buy full coverage?
- Do I need more liability coverage?
- Am I covered if I break a side mirror?
- What vehicles should carry emergency assistance coverage?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Is my trailer covered?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.
Is there truth in advertising?
Drivers get pounded daily by advertisements for cheaper car insurance by State Farm, Allstate and GEICO. All the ads make an identical promise of big savings if you switch to their company.
How does each company say the same thing?
All the different companies can use profiling for the right customer they prefer to insure. For example, a profitable customer could possibly be a mature driver, a clean driving record, and has excellent credit. Any driver that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save when they switch companies.
Drivers who do not match these standards will be quoted higher prices and ends up with business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. That’s the way companies can truthfully make those claims. This emphasizes why drivers should quote coverage with many companies. It is impossible to predict which insurance company will provide you with the cheapest Hyundai Sonata insurance rates.
Insurance coverage considerations
Knowing the specifics of your insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Hyundai Sonata.
Because many people 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 a good idea.
This coverage protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from claims by 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 values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability can pay for claims like repair costs for stationary objects, court costs and emergency aid. How much coverage you buy is up to you, but buy higher limits if possible.
Coverage for collisions
Collision coverage covers damage to your Sonata resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as hitting a mailbox, rolling your car, damaging your car on a curb, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like rehabilitation expenses, nursing services, doctor visits and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as hail damage, rock chips in glass, theft, damage from getting keyed and falling objects. 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 it’s not worth carrying full coverage.
More quotes mean more savings
When you buy insurance online, you should never reduce coverage to reduce premium. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to discover later that they should have had better coverage. Your aim should be to buy the best coverage you can find at an affordable rate while still protecting your assets.
You just read some good ideas how you can get a better price on 2014 Hyundai Sonata insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the best prices are with the least-expected company. Regional companies can often provide lower rates in certain areas than their larger competitors like State Farm, GEICO and Nationwide.
To read more, link through to the resources below:
- Older Driver Statistics (Insurance Information Insitute)
- Bodily Injury Coverage (Liberty Mutual)
- Auto Insurance 101 (About.com)
- Understanding Rental Car Insurance (Insurance Information Insitute)
- How to Avoid Staged Accidents (State Farm)
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