2018 Hyundai Sonata Insurance Cost

Want lower insurance rates for your Hyundai Sonata? Wish you could get out of high-priced insurance? Don’t feel bad because there are many drivers thinking the same thing. There are many car insurance companies to pick from, and though it is a good thing to have a choice, having more car insurance companies makes it harder to find the best rates for your vehicles.

The fastest way that we advise to compare car insurance rates is to take advantage of the fact most larger insurance companies participate in a system to give free rates quotes. To start a quote, the only thing you need to do is provide a small amount of information including driver ages, if you’re married, distance driven, and if you are currently licensed. Your information is sent automatically to many different companies and they return quotes very quickly.

To compare rates now, click here and enter your coverage details.

Verify you’re receiving every discount

Insurance can cost an arm and a leg, but companies offer discounts that can dramatically reduce your bill. Some discounts will apply at the time of quoting, but a few must be manually applied prior to getting the savings. If you are not receiving all the discounts you deserve, you are just wasting money.

  • Claim-Free Discount – Drivers who don’t have accidents can earn big discounts as compared to policyholders that have many claims.
  • Discount for Swiching Early – A few larger companies allow discounts for buying a policy before your current coverage expires. This discount can save up to 10%.
  • Discounts for Safe Drivers – Drivers without accidents could pay up to 40% less on Sonata coverage than less cautious drivers.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.
  • Good Grades Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.

One last thing about discounts, most discount credits are not given the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, nobody gets a free ride.

A few of the larger companies and their possible discounts are detailed below.

  • State Farm policyholders can earn discounts including driver’s education, multiple policy, anti-theft, student away at school, accident-free, and good student.
  • GEICO offers discounts for membership and employees, anti-theft, federal employee, multi-policy, good student, daytime running lights, and defensive driver.
  • Allstate offers discounts including passive restraint, safe driver, FullPay discount, premier discount, good payer, and 55 and retired.
  • SAFECO includes discounts for bundle discounts, drive less, safe driver, homeowner, teen safety rewards, and accident prevention training.
  • Farm Bureau may include discounts for multi-policy, youthful driver, multi-vehicle, good student, 55 and retired, and renewal discount.
  • Progressive has discounts for good student, continuous coverage, online quote discount, multi-policy, multi-vehicle, online signing, and homeowner.
  • AAA may have discounts that include multi-policy, anti-theft, multi-car, good driver, education and occupation, pay-in-full, and AAA membership discount.

If you want cheap car insurance quotes, ask every prospective company how you can save money. Some discounts listed above may not be available in your area. If you would like to see a list of providers with discount rates, click here to view.

When should I discuss my situation with an agent?

When choosing coverage, there really is no cookie cutter policy. Each situation is unique so this has to be addressed. For instance, these questions can help discover if you could use an agent’s help.

  • Why am I required to buy liability insurance?
  • Do I need an umbrella policy?
  • Can my babysitter drive my car?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is pleasure use cheaper than using my 2018 Hyundai Sonata to commute?
  • What if I don’t agree with a claim settlement offer?
  • Does my insurance cover my expensive audio equipment?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Hyundai Sonata insurance prices can be more affordable

A large part of saving on insurance is knowing the factors that help calculate your policy premiums. When consumers understand what determines premiums, this allows you to make educated decisions that can earn you much lower annual insurance costs.

Listed below are some of the major factors utilized by car insurance companies to help set your premiums.

  • Insurance claims cost money – Companies generally give most affordable rates to insureds who are not frequent claim filers. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Your car insurance is meant to be used in the event of larger claims.
  • Vehicles with better crash test results means cheaper insurance – Cars with five star safety ratings tend to have lower insurance rates. Vehicles built for safety reduce the chance of injuries and any reduction in injury severity means lower claim amounts which can result in lower premiums.
  • Bad drivers pay high prices – Good drivers pay lower auto insurance prices as compared to careless drivers. Getting just one moving violation can increase the cost of insurance substantially. Drivers who have received dangerous tickets like DUI, reckless driving or excessive speeding may find that they have to to prove financial responsibility to the state department of motor vehicles in order to legally drive.
  • No coverage gaps is important – Driving without insurance coverage in place is against the law and you will pay a penalty because you let your insurance coverage expire. And not only will your rates increase, failure to provide proof of insurance can result in a revoked license or a big fine. Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.
  • Annual mileage and car insurance prices – Driving more miles in a year the higher your rates will be. A lot of insurance companies rate vehicles determined by how the vehicle is used. Autos used primarily for pleasure use can be on a lower rate level than those used for commuting. Verify your declarations sheet properly reflects the correct usage, because improper ratings can cost you money. Having the wrong rating on your Sonata can cost quite a bit.

Parts of your auto insurance policy

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages available from auto insurance companies.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Hyundai Sonata.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses such as doctor visits, rehabilitation expenses and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive protection

This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, theft, hitting a deer and hitting a bird. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as emergency aid, medical expenses and attorney fees. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Be a Smart Shopper

When you buy car insurance online, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

Lower-priced 2018 Hyundai Sonata insurance can be purchased online and with local insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not offer rate quotes online and usually these regional carriers sell through local independent agents.

More detailed car insurance information can be found by following these links: