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Hyundai Sonata Insurance Cost

Finding cheaper auto insurance from online companies is easy and at the same time you will probably save money. The key is to take the time to get as many rate quotes as possible so you can compare the lowest rate quotes.

Consumers who are new to the process of comparison shopping may think purchasing cheap Sonata insurance can be quite difficult. Lowering your Sonata insurance rates is actually quite simple. You just need to take a few minutes comparing rates from different insurance companies. It is quite easy and can be accomplished by visiting this page.

What factors impact your insurance rates?

Insurance rates for a Hyundai Sonata can vary widely based upon several criteria. Taken into consideration are:

  • Your driving record
  • Credit rating
  • Male drivers pay higher rates
  • Higher deductibles save money
  • Your vehicle's safety rating
  • No claims lowers premiums
  • No coverage lapses saves money
  • Whether you rent or own your home

One last important factor which can affect the rate you pay on your Hyundai is the year of manufacture. A newer vehicle have a higher actual cash value so repair costs are higher which can inflate annual premiums. Conversely, new Hyundai models may have options such as active head restraints, adaptive headlights, a backup camera, and tire pressure monitors which can provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision insurance

This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Sonata collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other drivers when they either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is not universally available but can be used in place of medical payments coverage.

How Much are Hyundai Sonata Insurance Rates?