2019 Hyundai Sonata Hybrid Car Insurance Cost in 2024 – 9 Savings Tips

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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: Apr 15, 2024

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Finding discount auto insurance on the web may seem to be rather challenging for drivers that are not comfortable with quoting and buying insurance on the internet. With so many options of online companies, how are drivers expected to have a chance to compare every company in order to find the lowest price?

Consumers need to compare rates occasionally because auto insurance prices go up and down regularly. Even if you got the lowest rates on Sonata Hybrid insurance six months ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re about to find out the tricks you need to know to buy cheaper auto insurance.

Locating cheaper car insurance can be fairly easy. Just about everyone who buys car insurance will be able to lower their premiums. But consumers do need to understand the way companies price online insurance and apply this information to your search.

The quickest way to compare policy rates is to take advantage of the fact most larger insurance companies allow for online access to compare their rates. The only thing you need to do is give them some information such as if it has an anti-theft system, if a SR-22 is required, how old drivers are, and if the car is leased. Those rating factors gets transmitted to multiple companies and they respond with quotes very quickly.

If you would like to compare rates now, click here and enter the information requested.

Take these nine policy discounts and save

Some insurers don’t list every possible discount very well, so we took the time to find both well-publicized and also the lesser-known ways to save on auto insurance.

  • Bundled Policy Discount – If you have multiple policies with one company you could save at least 10% off all policies.
  • Drive Safe and Save – Safe drivers may save up to 50% more on Sonata Hybrid insurance than drivers with accidents.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on Sonata Hybrid insurance.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
  • Passive Restraints – Options like air bags or motorized seat belts can qualify for discounts as much as 30%.
  • Military Discounts – Having a deployed family member could be rewarded with lower premium rates.
  • Seat Belts Save – Requiring all passengers to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Discount for Life Insurance – If the company offers life insurance, you could get lower auto insurance rates if you buy a life insurance policy as well.
  • Homeowners Discount – Just being a homeowner may trigger a policy discount on auto insurance because of the fact that having a home is proof that your finances are in order.

You can save money using discounts, but many deductions do not apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, that’s just not realistic.

To view auto insurance companies that offer some of these discounts, enter your zip code here.

Which policy gives me the best coverage?

When it comes to buying the best auto insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • What happens if I owe more than my 2019 Hyundai Sonata Hybrid is worth?
  • Does liability extend to a camper or trailer?
  • Does my medical payments coverage pay my health insurance deductible?
  • If I drive on a suspended license am I covered?
  • Am I covered if I drive in a foreign country?
  • Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete your zip code.

Information about specific coverages

Having a good grasp of a car insurance policy can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Hyundai Sonata Hybrid.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, hitting a deer, fire damage, theft and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like ambulance fees, pain medications and surgery. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverage

This coverage provides protection from damage or injury you incur to people or other property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like medical expenses, emergency aid and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

This pays for damage to your Sonata Hybrid resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

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