2014 Hyundai Sonata Hybrid Car Insurance Quotes

Trying to find lower insurance coverage rates for your Hyundai Sonata Hybrid? Are you regretting the purchase of overpriced insurance coverage? It’s a common feeling and there are lots of people in the same boat. You have multiple car insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to compare rates.

It is always a good idea to do rate comparisons as often as possible due to the fact that insurance rates are constantly changing. Just because you had the best rate for Sonata Hybrid coverage a few years ago you may be paying too much now. Forget all the misinformation about insurance coverage because we’re going to show you the best way to find better rates and still maintain coverage.

Do you qualify for discounts?

Not too many consumers would say auto insurance is affordable, but you might find some hidden discounts to reduce the price significantly. A few discounts will be applied at the time of purchase, but some discounts are required to be specifically requested before you will receive the discount.

  • Buy New and Save – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Driving Data Discount – People who choose to allow their insurance company to scrutinize driving manner by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they show good driving skills.
  • First Accident Forgiveness – Not really a discount, but certain companies may permit one accident before your rates go up as long as you don’t have any claims before the accident.
  • Membership in Organizations – Being a member of certain professional organizations can get you a small discount on your next auto insurance statement.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may get savings of more than 20%.
  • Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and can earn a small discount on your policy.
  • Student in College – Youth drivers who attend college more than 100 miles from home and don’t have a car could qualify for this discount.
  • Smart Student Discounts – Getting good grades may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students well after school through age 25.

As a footnote on discounts, most discount credits are not given to the entire cost. Some only apply to individual premiums such as liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But any discount will help reduce the cost of coverage.

Companies who may offer these money-saving discounts are:

If you are trying to find affordable insurance coverage quotes, ask every company which credits you are entitled to. Some credits may not apply everywhere. To choose companies who offer free auto insurance quotes, follow this link.

How to compare insurance rate quotes

Effectively comparing insurance prices can be a daunting task if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) talking to insurance agencies in your area, or you could use the internet to get pricing more quickly.

Many companies participate in an industry program that allows shoppers to submit one quote, and at least one company then gives them pricing based on that information. This system prevents you from having to do quote requests to every company.

To find out how much you’re overpaying now click to open in new window.

The single downside to using this type of form is that consumers can’t choose the companies to get pricing from. So if you prefer to choose individual companies to receive pricing from, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, make sure you compare apples-to-apples deductibles and coverage limits on every price quote you get. If you use different deductibles you will not be able to get a fair rate comparison.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying the best car insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

  • Why does it cost so much to insure a teen driver?
  • What is covered by UM/UIM coverage?
  • Why do I only qualify for high-risk insurance?
  • Why am I required to buy liability insurance?
  • What is UM/UIM insurance?
  • Can I make deliveries for my home business?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

What car insurance coverages do you need?

Understanding the coverages of a car insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most car insurance policies.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses like ambulance fees, pain medications and hospital visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability coverage

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like medical services, medical expenses, legal defense fees, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Collision coverage protection

Collision coverage pays for damage to your Sonata Hybrid caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your 2014 Hyundai Sonata Hybrid.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Better coverage you can count on

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where someone dropped physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at a price you can afford, but don’t skip important coverages to save money.

More affordable insurance coverage is available both online as well as from independent agents, so get free insurance coverage quotes from both of them in order to have the best chance of saving money. Some insurance coverage companies do not offer rate quotes online and many times these regional carriers only sell through independent agencies.

We’ve covered many ways to compare 2014 Hyundai Sonata Hybrid insurance rates online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest rates are with a smaller regional carrier. Some small companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

Even more information is available by following these links: