1993 Hyundai Sonata Insurance Quotes

Finding lower premiums on car insurance is always hard for people who are new to comparing rates online. People have so many options that it can turn into a real challenge to find the best price.

Get lower rates on Hyundai Sonata insurance

Car insurance companies don’t always advertise every discount in an easy-to-find place, so we break down both well-publicized and also the lesser-known savings tricks you should be using.

  • College Student – Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Homeowners Pay Less – Owning a house can help you save on insurance due to the fact that maintaining a home shows financial diligence.
  • Save over 55 – Older drivers may receive better insurance rates for Sonata insurance.
  • Passive Restraint Discount – Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Safety Course Discount – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck.

Companies that may offer these benefits include:

It’s a good idea to ask all companies you are considering how you can save money. Savings may not apply in every state.

Insurance Coverage Quote Comparison

There are several ways to compare quotes from insurance coverage companies in your area. The fastest way to compare 1993 Hyundai Sonata insurance prices involves getting comparison quotes online. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the best ways to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This method saves time by eliminating separate quote forms for each company. One simple form gets you price quotes from many national carriers.It’s the quickest way to get rates.
  2. A more time consuming way to shop for insurance coverage online is going to each individual company website to request a price quote. For sake of this example, we’ll pretend you want to compare rates from State Farm, Esurance and Travelers. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The least efficient method to compare rates is driving around to local insurance agencies. Shopping for insurance coverage online can eliminate the need for a local agent unless you require the professional advice that only a license agent can provide. However, consumers can compare online quotes but buy from a local insurance agent and we’ll talk about that later.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverage information for every quote you compare. If you are comparing unequal deductibles or liability limits you can’t possibly make an equal comparison. Having just a slight variation in coverages may cause a big price difference. It’s important to know that having more price comparisons will increase your chances of finding lower pricing.

Hyundai Sonata insurance rates are influenced by…

Smart consumers have a good feel for the rating factors that come into play when calculating your insurance coverage rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

  • Don’t skimp on liability – Your policy’s liability coverage will protect you when a court rules you are at fault for damages caused by your negligence. Liability provides you with a defense in court starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Careful drivers pay lower rates – Good drivers get better rates compared to drivers with tickets. Just one moving violation can increase rates by as much as thirty percent. Drivers with flagrant tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Multi-policy discounts can save money – Most insurance coverage companies give discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s in your best interest to compare other company rates to verify if the discount is saving money. You may still be able to find better rates by buying insurance from more than one company.
  • Never go without insurance – Driving without insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, getting caught without coverage might get you a steep fine or even jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles protect occupants better and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If your Hyundai Sonata is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Adjust deductibles and save – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Hyundai. Some examples of claims that would be covered would be running into the backend of another car, vandalism, and windstorm damage. The deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more money the insured has to pay upfront, the less your company will charge you for insurance for Sonata insurance.
  • Women pay lower rates – Statistics demonstrate that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Men and women cause accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like reckless driving and DUI.
  • Your job and insurance rates – Did you know your insurance coverage rates can be affected by your occupation? Occupations like real estate brokers, architects and financial analysts are shown to have higher average rates because of high stress and long work days. Conversely, professions such as farmers, engineers and performers pay the least for Sonata insurance.

Tailor your coverage to you

When choosing coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is upholstery damage covered by car insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I carry comprehensive and collision coverage?
  • Am I covered when driving on a suspended license?
  • Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Auto insurance 101

Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, hitting a bird and hitting a deer. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that 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 very important.

Coverage for liability

Liability insurance protects you from damage or injury you incur to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims like loss of income, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills like nursing services, pain medications and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision insurance will pay to fix damage to your Sonata from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, hitting a parking meter, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Buy Smart and Save

In this article, we presented a lot of techniques to lower your 1993 Hyundai Sonata insurance rates. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the best price on insurance is with a small mutual company.

Insureds leave their current company for a number of reasons such as an unsatisfactory settlement offer, lack of trust in their agent, delays in paying claims or even extreme rates for teen drivers. Regardless of your reason, finding a new company is pretty easy and you might even save some money in the process.

Affordable insurance can be purchased from both online companies in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Helpful information