1999 Hyundai Sonata Insurance Quotes – 8 Ways to Save

Want better auto insurance rates for your Hyundai Sonata? Expensive auto insurance can take a big chunk out of your bank account and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to make sure you’re not throwing money away. Because there are so many choices of insurance companies, it can be challenging to choose the lowest cost insurance company.

It’s a great practice to check auto insurance prices quite often due to the fact that insurance rates are usually higher with each renewal. Just because you found the lowest price for Sonata coverage last year other companies may now be cheaper. There is too much inaccurate information about auto insurance online but I’m going to show you some guaranteed methods to save money.

Finding the best rates is not rocket science. If you are paying for car insurance now, you should be able to cut costs considerably using this strategy. Vehicle owners just need to know the most efficient way to compare price quotes on the web.

Compare the Market for Car Insurance

Cutting your car insurance rates is not a difficult process. Drivers just need to spend a few minutes to get quotes online from several insurance companies. This can be accomplished in several different ways.

  1. The most efficient way to find the lowest comparison rates is a comparison rater form click to view form in new window. This easy form prevents you from having to do separate quotes to each individual car insurance company. A single, simple form will return quotes from multiple low-cost companies.
  2. A harder way to get comparison quotes requires a trip to each individual company website and complete a new quote form. For example, we’ll assume you want comparison quotes from Nationwide, State Farm and Allstate. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The least recommended method of comparing rate quotes is driving to insurance agents’ offices. The internet eliminates the need for an insurance agent unless you have a need for the personal advice of a local agent. It is possible to comparison shop online but still have the advice of a local agent and you’ll learn how to do that later.

Whichever method you choose, ensure you’re using the exact same quote information for every company. If you use higher or lower deductibles it will be impossible to determine the best price for your Hyundai Sonata.

Is there deception in advertising?

Consumers get pounded daily by advertisements for car insurance savings by State Farm, Allstate and Geico. All the ads make the same claim about savings if you switch to their company.

How can each company make almost identical claims? This is how they do it.

Different companies can use profiling for the type of customer they prefer to insure. A good example of a driver they prefer might be over the age of 50, a clean driving record, and drives less than 7,500 miles a year. Any new insured who fits that profile receives the best rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t measure up to these standards will have to pay higher premiums which leads to business not being written. Company advertisements say “customers who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently state the savings. Because of the profiling, drivers must get as many comparisons as possible. Because you never know the company that will have the lowest Hyundai Sonata insurance rates.

Save on Hyundai Sonata insurance

Companies offering auto insurance do not list all their discounts in an easy-to-find place, so we break down some of the best known as well as the least known discounts you could be receiving. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Club Memberships – Being a member of certain professional organizations is a good way to get lower rates when shopping for insurance coverage for Sonata coverage.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Early Signing – Some companies give discounts for buying a policy before your current expiration date. This can save 10% or more.
  • Life Insurance Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Sonata coverage with select insurance companies.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

Insurance companies that may have these discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. Discounts may not be available in every state.

Tailor your coverage to you

When buying the right insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

  • Should I waive the damage coverage when renting a car?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I insured when driving a different vehicle?
  • Am I covered if I hit a deer?
  • What is high-risk coverage and where do I buy it?
  • Am I covered when delivering products for my home-based business?
  • What is the ISO rating for a 1999 Hyundai Sonata?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Coverage specifics

Having a good grasp of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by car insurance companies.

Collision coverage – This pays for damage to your Sonata from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, backing into a parked car, colliding with another moving vehicle, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like funeral costs, hospital visits, surgery and ambulance fees. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

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

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, damage from getting keyed, hitting a bird, damage from a tornado or hurricane and a broken windshield. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance – Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like attorney fees, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Find Good Coverage for Less

In this article, we covered some good ideas how to lower your 1999 Hyundai Sonata insurance rates. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the lowest rates come from a smaller regional carrier. Regional companies may only write in your state and offer lower rates than their larger competitors like Progressive or Geico.

Cheap insurance is available both online and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Additional information can be read at the links below