2013 Hyundai Sonata Hybrid Car Insurance Rates – 8 Ideas for Cheapest Quotes

Have you had enough of being strong-armed to insure your Hyundai every month? You are no different than many other drivers. Companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with fancy advertisements and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

Fast and Easy Auto Insurance Quotes

All the larger auto insurance companies give coverage prices online. Obtaining pricing doesn’t take a lot of time as you just enter your required coverages as requested by the quote form. Once entered, the company’s rating system collects your driving and credit reports and returns a price quote determined by many factors. Being able to quote online streamlines rate comparisons, but the process of having to visit several different sites and enter the same data into a form is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible if you want to find the lowest price.

Quote rates the easy way

The preferred way to find lower prices uses one simple form that analyzes rates from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes price shopping online a little more enjoyable. After your information is entered, it is rated with multiple companies and you can pick any or none of the quotes returned.

If you find a better price you can click and sign and buy the new coverage. It can be completed in less than 10 minutes and may result in a nice savings.

If you want to compare rates using this form now, click here to open in a new tab and submit the form. If you currently have coverage, we recommend you duplicate the coverages as shown on your current policy. This makes sure you will be getting a price comparison using the exact same coverages.

Don’t overlook these eight discounts

Insurance can be prohibitively expensive, but you may find discounts to help bring down the price. Some trigger automatically at the time of quoting, but a few must be specifically requested before you will receive the discount. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Driver’s Ed – Require your teen driver to take driver’s ed class in high school.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Homeowners Pay Less – Owning a house can help you save on auto insurance because maintaining a house requires personal responsibility.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Sign Online – Some insurance companies will give a small break for buying a policy and signing up on their website.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on Sonata Hybrid coverage than drivers with accident claims.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will bring down your premiums.

To see a list of companies offering auto insurance discounts, click this link.

Is my situation unique?

When it comes to choosing the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.

  • Is my teenager covered with friends in the car?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered if I break a side mirror?
  • What if I owe more than I can insure my car for?
  • Is upholstery damage covered by car insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving on a suspended license?
  • Is business property covered if stolen from my car?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.

Auto insurance 101

Having a good grasp of insurance can be of help when determining which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like dental work, X-ray expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a bird, damage from flooding and a broken windshield. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

Collision coverage covers damage to your Sonata Hybrid from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a building, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage protects you from damage that occurs to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like attorney fees, repair costs for stationary objects, loss of income, medical services and medical expenses. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Buy online or local, you save

As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. There have been many cases where someone dropped collision coverage only to discover later that the savings was not a smart move. The ultimate goal is to buy enough coverage for the lowest price.

In this article, we presented some good ideas how you can shop for 2013 Hyundai Sonata Hybrid insurance online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a small local company. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

Affordable insurance can be purchased both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Additional car insurance information can be read on the following sites: