1998 Hyundai Sonata Insurance Rates

Comparing car insurance rates online can be complicated if you have never used online quoting. But relax because there is an easy way to compare rates.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. The purpose of this post is to introduce you to how to get online quotes and some tips to save money. But drivers can benefit by having an understanding of the way companies compete online because it can help you find the best coverage.

Car Insurance Comparisons

There are several ways to compare rate quotes from local car insurance companies. The best method to find competitive 1998 Hyundai Sonata insurance rates consists of shopping online. This is very easy and can be done in just a few minutes using one of these methods.

The recommended way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This method prevents you from having to do separate quote forms for every car insurance company. One form submission will get you rate comparisons from many national carriers. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to get quotes online consists of going to the website for every company you want to comare and request a quote. For example, we’ll assume you want rates from USAA, Geico and Progressive. To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.

Which method you use is up to you, but double check that you are using exactly the same deductibles and coverage limits for every quote you compare. If you use differing limits it’s not possible to make an equal comparison. Having just a slight variation in coverage limits can make a big difference in price. Just keep in mind that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

When might I need help?

When it comes to choosing coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your situation might need professional guidance.

  • What are the financial responsibility laws in my state?
  • How much liability insurance is required?
  • Are my friends covered when driving my car?
  • If my pet gets injured in an accident are they covered?
  • How do I buy GAP insurance?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Hyundai Sonata.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are set the same as your liablity limits.

Liability insurance – This coverage can cover damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for 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. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like medical expenses, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

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

Collision coverage pays for things such as rolling your car, colliding with a tree, scraping a guard rail, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, theft, hitting a bird, rock chips in glass and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses for things like pain medications, rehabilitation expenses, dental work and nursing services. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage