View 1993 Hyundai Sonata Insurance Quotes

Looking for lower auto insurance rates? Shoppers have many options when shopping for affordable Hyundai Sonata insurance. You can either spend your time calling around trying to get quotes or utilize the internet to get rate quotes. There is a right way and a wrong way to find auto insurance online and we’ll show you the proper way to compare rates for a Hyundai and obtain the lowest possible price.

Choosing the best insurance company for you is not rocket science. If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. Drivers just need to understand how to compare prices online.

Compare quotes for insurance coverage

There are a lot of ways to compare insurance coverage prices and some are easier and takes less work. You could spend your day talking about coverages with local insurance agents in your area, or you could save time and use the web for quick rates.

Most major companies participate in an industry program where insurance shoppers send in one quote, and each company can provide price quotes. This eliminates the need for quote forms to every company.

To find out how much you’re overpaying now click here to start a free quote.

The one disadvantage to using this type of form is you don’t know exactly the providers you will receive quotes from. If you wish to select individual companies to compare prices, we have a listing of companies who write insurance coverage in your area. Click here to view list.

Which method you use is up to you, but be sure to compare exactly the same quote data for every quote you compare. If you enter higher or lower deductibles you will not be able to make a fair rate comparison.

Cut your insurance rates with discounts

Auto insurance companies don’t always list every discount they offer in an easy-to-find place, so we researched both well-publicized and the harder-to-find discounts you could be receiving when you buy insurance coverage online.

  • Home Ownership Discount – Being a homeowner can get you a discount since home ownership shows financial diligence.
  • Discount for Life Insurance – Select insurance companies reward you with a discounted rate on car insurance if you buy some life insurance too.
  • Air Bags and Passive Restraints – Factory air bags or automatic seat belts can receive discounts of 20 to 30 percent.
  • Club Memberships – Having an affiliation with a qualifying organization could trigger savings on your next insurance statement.
  • Distant Student Discount – Youth drivers living away from home attending college and do not have a car can receive lower rates.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in high school.

Don’t be surprised that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, you won’t be that lucky.

To see providers who offer insurance discounts, click here to view.

You are unique and your insurance should be too

When choosing coverage, there is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether you might need professional guidance.

  • How can I find cheaper teen driver insurance?
  • Am I covered when delivering products for my home-based business?
  • What if I don’t agree with a claim settlement offer?
  • If my 1993 Hyundai Sonata is totaled, can I afford another vehicle?
  • How does medical payments coverage work?
  • Can I afford low physical damage deductibles?
  • Is motorclub coverage worth it?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

Detailed coverages of your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Hyundai Sonata.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills such as X-ray expenses, chiropractic care, nursing services, pain medications and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision protection

This coverage will pay to fix damage to your Sonata from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for liability

This can cover damage or injury you incur to people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as pain and suffering, emergency aid, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, rock chips in glass, falling objects, fire damage and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.