Cheaper 1997 Hyundai Sonata Car Insurance Quotes

Want better insurance rates for your Hyundai Sonata? Purchasing budget-priced insurance on the web may seem to be challenging for vehicle owners not familiar with buying insurance over the internet. With dozens of insurance companies available, how are vehicle owners able to efficiently compare each option to find better insurance prices?

Cheapest car insurance rate quotes

There are several ways to shop for car insurance, and some are easier and takes less work. You can waste a lot of time driving to insurance companies in your area, or you could save time and use the web to get the quickest rates.

Most major companies belong to an insurance system where prospective buyers complete one form, and each company then gives them pricing based on that data. This saves time by eliminating repetitive form submissions to every company.

To compare pricing click here (opens in new window).

The one disadvantage to getting quotes like this is that you can’t choose which companies to receive prices from. If you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make sure you use the exact same coverage information for each price quote. If the quotes have different coverage information you will not be able to decipher which rate is best. Even a minor difference in insurance coverages can result in a big premium difference. And when price shopping your coverage, comparing more rates from different companies increases the change that you will find a lower rate.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions may help you determine if your insurance needs might need professional guidance.

  • Where can I get insurance after a DUI in my state?
  • What is PIP insurance?
  • Are my friends covered when driving my car?
  • Do I need special endorsements for business use of my vehicle?
  • Does my car insurance cover rental cars?
  • What should my uninsured motorist coverage limits be in my state?
  • What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance 101

Having a good grasp of insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision) – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, rock chips in glass, damage from getting keyed and theft. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills such as prosthetic devices, rehabilitation expenses, chiropractic care and hospital visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Liability coverages – This coverage can cover injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

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 that translate to 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. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as loss of income, funeral expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision – This will pay to fix damage to your Sonata resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.