Lower Your 2012 Hyundai Sonata Car Insurance Rates

Want lower car insurance rates for your Hyundai Sonata? Feel like you’re a prisoner to an expensive car insurance policy? You’re in good company because you’re not the only one.

Popular companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with ad campaigns and consumers find it hard to sift through the bull and find the best price available.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Buying car insurance is easy if you know what you’re doing. Although car owners should learn the way insurance companies compete online because it can help you find the best coverage.

Cheap insurance coverage quotes

There are a variety of methods to shop for insurance coverage, but some are less labor-intensive and much quicker. You can waste hours talking about coverages with local insurance agents in your area, or you could use the internet to achieve your goal.

Many companies belong to an insurance system that enables customers to send in one quote, and each participating company returns a competitive quote based on that information. This saves time by eliminating form submissions for each company you want a rate for.

To compare rates using this form now click here to open in new window.

The only downside to comparing rates this way is you don’t know exactly which companies you want to price. If you prefer to choose individual companies for rate comparison, we have a page of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but do your best to use the exact same information for every quote you compare. If you have different coverage information then you won’t be able to make a fair rate comparison. Just slight variations in insurance coverages or limits could mean much higher rates. Just keep in mind that comparing more rates from different companies increases your odds of finding a lower rate. Some regional insurers cannot provide online quotes, so it’s important to also get rates from the smaller companies as well.

Lower-cost insurance quotes with discounts

Some companies don’t list all available discounts in an easy-to-find place, so the list below gives a summary of a few of the more common as well as some of the hidden discounts that you may qualify for.

Discount for New Cars – Buying a new car model can save you some money because new model year vehicles have to meet stringent safety requirements.
No Accidents – Claim-free drivers are rewarded with significantly better rates on insurance quote compared to insureds who have frequent claims or accidents.
Distant College Student Discount – Older children who are enrolled in higher education away from home and do not have access to a covered vehicle can be insured at a reduced rate.
Early Switch Discount – A few insurance companies give discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
Theft Deterent Discount – Cars and trucks with anti-theft systems help deter theft and will save you 10% or more.
Save over 55 – If you qualify as a senior citizen, you are able to get a small discount on rates on Sonata insurance.
Seat Belts Save more than Lives – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
Accident Forgiveness Coverage – This one isn’t a discount, but certain companies will let one accident slide before your rates go up so long as you haven’t had any claims prior to the accident.
Safety Course Discount – Completing a course that instructs on driving safety can save you 5% or more if your company offers it.
Full Payment Discount – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.

As a footnote on discounts, some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though it appears all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts will bring down your insurance premiums.

Popular insurance companies and a partial list of their discounts are detailed below.

State Farm policyholders can earn discounts including accident-free, safe vehicle, multiple autos, multiple policy, and driver’s education.
Farmers Insurance includes discounts for youthful driver, switch companies, alternative fuel, mature driver, and good student.
Progressive may include discounts for homeowner, online quote discount, continuous coverage, good student, online signing, multi-vehicle, and multi-policy.
GEICO offers discounts including good student, multi-vehicle, membership and employees, five-year accident-free, and daytime running lights.
Auto-Owners Insurance discounts include good student, paid in full, mature driver, safe driver, anti-lock brakes, and multi-policy.
The Hartford has savings for vehicle fuel type, driver training, anti-theft, good student, air bag, and bundle.
Farm Bureau offers discounts for safe driver, driver training, 55 and retired, multi-vehicle, and renewal discount.
USAA may have discounts that include annual mileage, safe driver, driver training, defensive driver, loyalty savings, family discount, and military installation.

If you are trying to find low cost insurance quotes, ask every company how you can save money. Some of the earlier mentioned discounts may not be available in your area.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.

Do I pay less if my vehicle is kept in my garage?
Should I get collision insurance on every vehicle?
Should I drop comprehensive coverage on older vehicles?
Exactly who is provided coverage by my policy?
How high should my uninsured/underinsured coverage be in my state?
Is a new car covered when I drive it off the dealer lot?
Do I need medical payments coverage since I have good health insurance?
Does having multiple vehicles earn me a discount?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

What insurance coverages do you need?

Understanding the coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Liability coverage

Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different 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 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as emergency aid, loss of income, court costs, medical services and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, hitting a bird, damage from flooding and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for bills like doctor visits, nursing services, surgery and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Hyundai Sonata.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for collisions

This covers damage to your Sonata resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.