2006 Hyundai Sonata Car Insurance Quotes

Looking for cheaper insurance coverage rates for your Hyundai Sonata? Finding cheaper insurance for a new or used Hyundai Sonata could be an all-consuming task, but you can use our insurance coverage buying tips to make it easier.

There is a better way to shop for insurance coverage and we’ll show you the proper way to quote coverages for your Hyundai and locate the cheapest rates from local insurance agents and online providers.

Smart consumers take time to do price comparisons yearly because prices go up and down regularly. Even if you got the lowest rates for Sonata coverage two years ago a different company probably has better premium rates today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now or are shopping for new coverage, you can use these techniques to reduce the price you pay and still get good coverage. Locating affordable insurance is quite easy. Drivers just need to learn how to compare rates online.

Cheapest insurance quotes

Performing a rate comparison is a ton of work if you don’t understand the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Most of the larger companies participate in a marketplace where prospective buyers complete one form, and each company provides a quote based on that information. This system prevents you from having to do quote requests for every insurance company.

To compare rates now click here (opens in new window).

The only drawback to doing it this way is buyers cannot specifically choose which insurance companies to get pricing from. So if you prefer to choose specific insurance companies to compare rates, we have a page of low cost insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverages and limits for every company. If each company quotes different liability limits it will be nearly impossible to determine the lowest rate for your Hyundai Sonata.

Informed consumers can lower insurance rates

Multiple criteria are part of the equation when you quote your car insurance policy. Some are obvious like a motor vehicle report, but some are less apparent such as your marital status or your financial responsibility.

Listed below are some of the major factors car insurance companies consider when setting your premiums.

  • Stay claim-free and save money – If you file claims often, you can definitely plan on much higher rates or policy non-renewal. Auto insurance companies give cheaper rates to people who file claims infrequently. Insurance coverage is meant to be used in the event of more catestrophic claims.
  • Good drivers pay the best costs – Your driving citation history has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates compared to drivers with tickets. Even a single citation can boost insurance rates twenty percent or more. Drivers who have gotten multiple violations like reckless driving, hit and run or driving under the influence may find they need to complete a SR-22 with their state’s licensing department in order to continue driving.
  • No policy lapses saves money – Driving without insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license.
  • Safety ratings are a factor – Vehicles that have high safety ratings cost less to insure. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries means less claims paid which can result in lower premiums. If your Hyundai scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Annual mileage impacts rates – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Many insurance companies calculate rates based on their usage. Autos used primarily for pleasure use receive better premium rates as compared to vehicles used primarily for driving to work. Incorrect rating for your Sonata may be costing you higher rates. Make sure your car insurance declarations sheet correctly shows how each vehicle is driven.
  • Do you work long hours in a demanding employer? – Do you work in a high-stress field? Occupations such as lawyersairline pilots and emergency personnel tend to have higher premium rates because of stressful work requirements and incredibly demanding work hours. On the other hand, occupations such as farmers, engineers and retirees generally pay rates lower than average for Sonata coverage.
  • Battle of the sexes – Over time, data shows women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Both sexes cause at-fault accidents in similar numbers, but the males cause more damage. Not only are claims higher, but men receive more costly citations like driving under the influence (DUI).
  • Prevent theft and save – Selecting a car model with an alarm system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.

More affordable rates by getting discounts

Companies that sell car insurance do not advertise every discount they offer in a way that’s easy to find, so we researched both well-publicized and the more hidden credits available to lower your premiums when you buy insurance online.

  • Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you better rates if you take out some life insurance in addition to your auto policy.
  • Homeowners Discount – Owning your own home or condo can help you save on insurance due to the fact that maintaining a home shows financial diligence.
  • Theft Deterent System – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Waiver for an Accident – Not really a discount, but a few companies such as GEICO, Allstate and Liberty Mutual allow you one accident before your rates go up so long as you are claim-free for a certain period of time.
  • Driver Training Discounts – Taking part in a course teaching driver safety skills could earn you a small percentage discount and easily recoup the cost of the course.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts can save 10% or more off PIP or medical payments premium.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents so you can save 10 percent or more.
  • E-sign – Certain larger companies provide a small discount for buying your policy digitally online.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.

One thing to note about discounts is that most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, that’s just not realistic.

Companies that may have some of the discounts shown above possibly include:

Before you buy a policy, ask every prospective company which discounts they offer. All car insurance discounts might not be offered on policies in every state. To choose providers who offer insurance discounts, follow this link.

Your car insurance coverage should be tailored to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions can aid in determining whether you will benefit from professional help.

  • Is a blown tire covered by insurance?
  • Am I covered if I drive in a foreign country?
  • Should I buy more coverage than the required minimum liability coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • What if I don’t agree with a claim settlement offer?
  • How much liability do I need to cover my assets?
  • When would I need rental car insurance?
  • Should I buy full coverage?
  • Does my car insurance cover rental cars?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Car insurance 101

Understanding the coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability – Liability coverage can cover damage or injury you incur to people or other property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, attorney fees and medical services. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Hyundai Sonata.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as ambulance fees, doctor visits, nursing services and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, hitting a deer, a tree branch falling on your vehicle and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

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

Collision coverage pays for things like scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Stretch your dollar

As you quote insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and learned later that the savings was not a smart move. The aim is to get the best coverage possible at the best price, but do not skimp to save money.

In this article, we presented a lot of tips how to shop for 2006 Hyundai Sonata insurance online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding the cheapest insurance. You may even discover the lowest rates are with the least-expected company.

People switch companies for a variety of reasons including policy cancellation, extreme rates for teen drivers, high rates after DUI convictions or even questionable increases in premium. Whatever your reason, finding the right auto insurance provider can be easier than you think.

More detailed auto insurance information is available in the articles below: