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Hyundai Sonata Insurance Rates

You have lots of choices when buying insurance for your Hyundai vehicle. You can buy direct from an agent or price shop online to compare pricing from many different auto insurance companies. Finding cheaper auto insurance through online rate quotes is simple to do and at the same time you can save money.

Finding the best direct price on auto insurance is challenging if you have never used online quotes. But don't be discouraged because it's actually quite easy. Finding lower Sonata insurance cost can be surprisingly simple. You just have to spend a little time getting comparison quotes online with multiple companies. It is quite easy and can be accomplished by visiting this page.

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What influences your insurance rates?

Car insurance premiums on a Hyundai Sonata can vary widely subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Your age
  • Being married can lower rates
  • Special coverage such as replacement cost
  • Your claim history
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

An additional factor which can affect Sonata insurance rates is the year of the vehicle. A newer vehicle have a higher actual cash value than older models so the payout to repair can inflate annual premiums. But newer models may have safety features including dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors which can provide discounts that lower premiums.

To get more specific information about how much rates will be for your vehicle, select the year of your Sonata from available model years below.

Auto liability - Sonata liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage - This pays for damage to your Hyundai resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Sonata can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive auto coverage - This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage - Med pay and PIP coverage reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.

How Much are Hyundai Sonata Insurance Rates?