2016 Hyundai Sonata Car Insurance Quotes – 9 Policy Discounts

Want the cheapest insurance coverage rates for your Hyundai Sonata? Are you irritated from not being able to scrape enough together each month for insurance coverage? Your situation is no different than most other consumers.

Many car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to find the best price available.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Buying car insurance is not that difficult. Nevertheless, vehicle owners must understand how the larger insurance companies market on the web and take advantage of how the system works.

Finding insurance coverage

All the larger insurance coverage companies such as State Farm, Geico and Progressive provide coverage prices on their websites. Getting online rates is very simple as you simply enter the amount of coverage you want on the page. After the form is submitted, the quote system pulls information on your driving record and credit history and gives you a price quote determined by many factors. Online price quotes helps simplify price comparisons, but having to visit each company’s website and repetitively type in the same data is repetitive and time-consuming. But it’s very important to have as many quotes as possible if you are searching for the lowest possible prices on insurance coverage.

The better way to compare rates

The preferred way to get multiple rate quotes uses one simple form that gets price quotes from a lot of companies. It saves time, reduces the work, and makes comparison shopping a little more enjoyable. Immediately after submitting the form, it gets priced and you are able to buy any of the quotes returned. If the quotes result in lower rates, you can simply submit the application and purchase coverage. This process takes just a few minutes to complete and could lower your rates considerably.

To quickly find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you replicate the coverages as shown on your current policy. Using the same limits helps guarantee you will get comparison quotes using the same coverage and limits.

It’s not one size fits all

When buying proper insurance coverage, there is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Will filing a claim cost me more?
  • Does medical payments coverage apply to all occupants?
  • Why is insurance for a teen driver so high?
  • Who is covered by my policy?
  • What happens if I owe more than my 2016 Hyundai Sonata is worth?
  • How can I get high-risk coverage after a DUI?
  • Is my Hyundai Sonata covered if I use it for business?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Insurance coverages explained

Having a good grasp of insurance can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability coverages – Liability coverage protects you from damage or injury you incur to other people or property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like repair bills for other people’s vehicles, attorney fees and loss of income. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a deer, vandalism and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments – Med pay and PIP coverage pay for bills for things like EMT expenses, chiropractic care and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision – Collision insurance pays for damage to your Sonata resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, rolling your car, sideswiping another vehicle, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.