1995 Hyundai Sonata Insurance Rates – 5 Tricks for Best Quotes

Searching for cheaper car insurance rates for your Hyundai Sonata? There isn’t anyone who anticipates paying for car insurance, particularly when their premiums are through the roof.

Due to the increasing number of online and local companies to choose from, it can be impossible to locate a more affordable insurance company.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. But consumers benefit from understanding the way insurance companies price insurance differently.

Insurance coverage rates and discounts

Some providers don’t always advertise every possible discount in an easy-to-find place, so below is a list a few of the more well known as well as the least known credits available to bring down your rates.

  • Own a Home and Save – Being a homeowner may trigger a policy discount on insurance coverage because of the fact that having a home requires personal responsibility.
  • Anti-lock Brake Discount – Cars with anti-lock braking systems are much safer to drive and earn discounts up to 10%.
  • Multi-car Discount – Buying coverage for multiple cars with the same company could earn a price break for each car.
  • Telematics Data Discounts – Drivers who agree to allow driving data collection to analyze vehicle usage by installing a telematics device like Allstate’s Drivewise could save a few bucks if they show good driving skills.
  • New Car Discount – Adding a new car to your policy is cheaper compared to insuring an older model.

Just know that many deductions do not apply the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. Even though it appears it’s possible to get free car insurance, you’re out of luck.

A list of insurance coverage companies and their possible discounts are:

  • Progressive offers discounts including good student, homeowner, online signing, multi-policy, multi-vehicle, online quote discount, and continuous coverage.
  • SAFECO may have discounts that include safe driver, accident prevention training, anti-lock brakes, homeowner, drive less, multi-car, and bundle discounts.
  • American Family offers discounts for good student, good driver, defensive driver, bundled insurance, and TimeAway discount.
  • MetLife has savings for accident-free, good student, good driver, defensive driver, and multi-policy.
  • GEICO has discounts for good student, air bags, five-year accident-free, military active duty, federal employee, and seat belt use.
  • The Hartford may offer discounts for driver training, vehicle fuel type, air bag, good student, and bundle.

Check with all companies you are considering what discounts are available to you. All car insurance discounts might not apply everywhere.

Situations that may require an agent’s advice

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Each situation is unique and your policy should reflect that. For instance, these questions can help discover whether or not you might need an agent’s assistance.

  • Does having multiple vehicles earn me a discount?
  • When should I drop full coverage on my 1995 Hyundai Sonata?
  • How can I find cheaper teen driver insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Why do I only qualify for high-risk insurance?
  • What is the minimum liability in my state?
  • How many claims can I have before being cancelled?
  • What is no-fault insurance?
  • Is rental equipment covered for theft or damage?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

What insurance coverages do you need?

Learning about specific coverages of a insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, damage from flooding, theft and vandalism. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

Collision coverage pays for damage to your Sonata resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability car insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as repair bills for other people’s vehicles, bail bonds and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses for things like pain medications, surgery and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

The bottom line

As you shop your coverage around, never reduce needed coverages to save money. There are too many instances where drivers have reduced full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

We just showed you many tips how you can save on 1995 Hyundai Sonata insurance. The most important thing to understand is the more you quote auto insurance, the better chance you’ll have of finding cheaper auto insurance. Consumers may even find the best car insurance rates are with a smaller regional carrier. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.

More detailed insurance information can be found in these articles: