Lower Your 2019 Hyundai Sonata Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 31, 2024

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Want cheaper auto insurance rates for your Hyundai Sonata? If you are new to online price comparisons, chances are good that you are bewildered by the large number insurance agents and companies offering coverage.

Smart consumers take time to shop coverage around on a regular basis since insurance prices go up and down regularly. Even if you got the lowest rates on Sonata insurance last year the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about auto insurance because you’re about to find out the tricks you need to know to get good coverage at a lower rate.

Smart choices result in lower insurance costs

Part of the insurance coverage buying process is learning some of the factors that go into determining the level of your policy premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that will entitle you to better insurance coverage rates.

  • Cheaper rates by consolidating – Most insurance coverage companies will award better rates to policyholders that purchase more than one policy such as combining an auto and homeowners policy. If you currently are using one company, you still need to compare rates to help ensure you have the lowest rates.
  • Safer vehicles save money – Cars with five star safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and lower injury rates means less claims paid and cheaper rates on your policy. If the Hyundai Sonata has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Where you live is a factor – Having an address in areas with lower population is a positive aspect when talking about insurance coverage. Less people means reduced accidents and also fewer theft and vandalism claims. Urban drivers have congested traffic and much longer commute distances. The longer drive time statistically corresponds to a higher accident and claim rate.
  • Long commutes cost more – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most companies rate vehicles based upon how you use the vehicle. Cars and trucks used primarily for pleasure use cost less to insure than those used for commuting. It’s always a good idea to double check that your insurance coverage coverage states the right rating data, because improper ratings can cost you money. An incorrectly rated Sonata is just wasting money.
  • Accidents increase premiums – Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Having just one moving violation may increase your cost by as much as twenty percent. Drivers who have serious tickets like DUI or reckless driving may be required to complete a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.

Lower-cost auto insurance rates with discounts

Auto insurance is not cheap nor is it fun to buy but you might find some hidden discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but some discounts are required to be inquired about before you will receive the discount.

  • College Student Discount – Any of your kids living away from home attending college and won’t have access to an insured vehicle may be able to be covered for less.
  • Club Memberships – Participating in a civic or occupational organization may earn a discount when getting a auto insurance quote.
  • Discounts for Multiple Vehicles – Buying a policy with several vehicles on one policy can reduce the rates for all insured vehicles.
  • Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class as it can save substantially.
  • Homeowners Pay Less – Owning your own home or condo can earn you a little savings since owning and maintaining a home shows financial diligence.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you will save as much as 10 to 15 percent.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower auto insurance rates if you buy a life policy as well.

As a footnote on discounts, some credits don’t apply to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. Even though it appears all those discounts means the company will pay you, auto insurance companies aren’t that generous.

A partial list of companies that possibly offer these money-saving discounts include:

  • State Farm
  • Esurance
  • Progressive
  • Liberty Mutual
  • Auto-Owners Insurance

When getting a coverage quote, ask every company how many discounts you can get. Some discounts listed above might not be offered on policies in your area.

Can you really save that much by switching?

Big name companies like 21st Century, Allstate and State Farm continually stream television, radio, and online ads. All the companies make the same claim that you can save if you just switch to their company. How is it possible that every company can give you a lower rate?

Many companies have a preferred profile for the right customer they prefer to insure. One example of a profitable insured could possibly be over age 30, is a homeowner, and chooses high deductibles. A prospective insured who matches those parameters receives the best prices and will most likely save a lot of money.

People who don’t meet the “perfect” profile must pay higher prices and the customer buying from a different company. If you listen closely, the ads state “people that switch” not “all people who quote” will save that much if they switch. That’s the way insurance companies can advertise the savings. Because of these techniques, it is so important to compare quotes as often as possible. Because you cannot predict with any certainty which company will have the lowest rate quotes.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions might point out if your insurance needs would benefit from professional advice.

  • Is a blown tire covered by insurance?
  • Am I getting all the discounts available?
  • Where can I get insurance after a DUI in my state?
  • Which companies will insure high-risk drivers?
  • Is my 2019 Hyundai Sonata covered for smoke damage?
  • Does coverage extend to Mexico or Canada?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Insurance coverage breakdown

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2019 Hyundai Sonata.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive insurance – This covers 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 claims such as falling objects, damage from getting keyed, theft and hitting a bird. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for surgery, ambulance fees and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, damaging your car on a curb, crashing into a building, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability – This provides protection from damage that occurs to people or other property. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability can pay for claims like medical services, legal defense fees, structural damage, medical expenses and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Final thoughts

Budget-conscious 2019 Hyundai Sonata insurance is definitely available on the web and also from your neighborhood agents, so you need to shop auto insurance with both so you have a total pricing picture. Some insurance providers do not provide rates over the internet and usually these smaller providers sell through independent agents.

People leave their current company for a number of reasons such as an unsatisfactory settlement offer, being labeled a high risk driver, extreme rates for teen drivers or even policy cancellation. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

Throughout this article, we presented quite a bit of information on how to save on 2019 Hyundai Sonata insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates are with an unexpected company.

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