Hyundai Sonata Insurance Rates

Buying auto insurance by quoting online is easy and at the same time you can save money. The key is to get as many rate quotes as possible so you can compare every option.

People who are new to comparison shopping may think finding cheap Sonata insurance is hard. Finding a lower price on Sonata insurance is a fairly straight forward process. You just have to take a little time getting comparison quotes from different insurance companies. This can be accomplished by visiting this page.

What factors impact Sonata insurance cost?

Car insurance premiums for a Hyundai Sonata can fluctuate considerably based upon several criteria. Taken into consideration are:

Your driving record
Credit rating impacts rates
Where you live
How many miles you drive
Male rates may be higher
Higher deductibles save money
Your vehicle's safety rating
Your claim history
Having continuous coverage saves you money
Whether you rent or own your home

An additional factor that helps determine Sonata insurance rates is the year of the vehicle. A newer vehicle cost more than older models so repair costs are higher which may result in higher rates. Although newer vehicles may have safety features included like traction control, active head restraints, a backup camera, and an advanced theft deterrent system which may provide discounts that lower premiums.

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

Liability coverages

Liability insurance can cover damages or injuries you inflict on other people or property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverage

Collision insurance covers damage to your Hyundai caused by collision with an object or car. A deductible applies and then insurance will cover the remainder. Sonata collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper Sonata insurance rates.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Since many 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 very important.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. PIP is not an option in every state but can be used in place of medical payments coverage.

How Much are Hyundai Sonata Insurance Rates?