1997 Hyundai Sonata Insurance Quotes – 6 Discounts for Cheaper Rates

Looking for lower insurance rates for your Hyundai Sonata? Are you a victim of high-priced insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate constantly bombard you with TV and radio ads and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

Comparison of Car Insurance

Getting a cheaper price on 1997 Hyundai Sonata insurance is surprisingly easy. The only thing you need to do is take a few minutes comparing rate quotes from different insurance companies. This can be accomplished using a couple different methods.

  1. The fastest way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing multiple quote forms to each individual car insurance company. Just one form will get you rate comparisons from car insurance companies with the best prices.
  2. A slightly less efficient method to compare rate quotes consists of going to the website for each individual company to request a price quote. For sake of this example, we’ll pretend you want comparison quotes from Nationwide, State Farm and Progressive. 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 insurance companies in your area, click here.

It’s up to you which method you use, but ensure you are comparing apples-to-apples deductibles and coverage limits on every quote you get. If you enter mixed coverages it’s impossible to determine the lowest rate for your Hyundai Sonata.

Companies offer discounts so take them!

Companies don’t necessarily list all their discounts in an easy-to-find place, so we researched both the well known and the more hidden insurance savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of insurance companies with the best insurance discounts, click this link.

Do I just need basic coverages?

When it comes to buying coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out if you would benefit from professional advice.

  • Can I drive in Mexico and have coverage?
  • When can I cancel my policy?
  • Are split liability limits better than a combined single limit?
  • Can I rent a car in Mexico?
  • What is PIP insurance?
  • Does my insurance cover a custom paint job?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I get collision insurance on every vehicle?
  • Can my teen drive my company car?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance coverages explained

Understanding the coverages of auto insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are the normal coverages available from auto insurance companies.

Comprehensive auto insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a broken windshield, a tree branch falling on your vehicle and fire damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses – Med pay and PIP coverage kick in for bills such as pain medications, ambulance fees, nursing services, doctor visits and X-ray expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Liability car insurance – Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as repair costs for stationary objects, funeral expenses, bail bonds, emergency aid and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision coverages – This pays for damage to your Sonata resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, colliding with a tree, hitting a parking meter, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Hyundai Sonata.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Smart shoppers get results

You just read a lot of tips how to lower your 1997 Hyundai Sonata insurance rates. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the best price on insurance is with some of the lesser-known companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Discount insurance is possible from both online companies and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

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