1994 Hyundai Sonata Car Insurance Quotes – 10 Policy Discounts

Trying to find cheaper insurance for a new or used Hyundai Sonata can be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to compare car insurance rates and you need to know the quickest way to quote coverages for a Hyundai and locate the best price possible either online or from local insurance agents.

Earn discounts on insurance coverage

Auto insurance companies don’t always publicize the complete list of policy discounts very clearly, so the below list has both well-publicized and also the more inconspicuous discounts that may be available.

• Active Military Service – Being on active deployment in the military may lower your prices slightly.
• Discount for Good Grades – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
• More Vehicles More Savings – Having multiple cars with the same insurance coverage company can reduce the rates for all insured vehicles.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and qualify for as much as a 10% discount.
• Government Employee Discount – Active or retired federal employment could qualify for a slight premium decrease on Sonata coverage depending on your company.
• Discount for Home Ownership – Just owning your own home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
• Multiple Policy Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% and get you low cost car insurance.
• Telematics Data Discounts – Drivers who agree to allow data collection to spy on driving habits through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as they are good drivers.
• Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote in comparison to insureds who have frequent claims or accidents.
• Defensive Driver Discount – Taking part in a course in defensive driver may get you a small discount and make you a better driver.

One last thing about discounts, most discount credits are not given to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates you could get a free insurance coverage policy, you’re out of luck.

Some of the insurance companies who may offer these benefits include:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

Before you buy a policy, ask each company or agent how you can save money. Depending on the company, some discounts might not be offered on policies in your state. To find insurers that offer the discounts shown above, click this link.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if your insurance needs will benefit from professional help.

• Can my babysitter drive my car?
• Can I still get insurance after a DUI?
• Are all vehicle passengers covered by medical payments coverage?
• What is the difference between comprehensive and collision coverage?
• Are rental cars covered under my policy?
• What is the rate difference between pleasure use and commuting?
• What are the best liability limits?
• Does insurance cover damages from a DUI accident?
• Why is insurance for a teen driver so high?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as falling objects, damage from a tornado or hurricane, hail damage, rock chips in glass and vandalism. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability – This coverage can cover damage that occurs to other people or property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see 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 property damage coverage for $50,000.

Liability coverage protects against things such as attorney fees, legal defense fees, emergency aid and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision – This coverage will pay to fix damage to your Sonata caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Hyundai Sonata.

Since many drivers only carry the minimum required liability limits, 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.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for ambulance fees, doctor visits and chiropractic care. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Make a quick buck

Some insurance providers don’t offer internet price quotes and most of the time these small, regional companies only sell coverage through independent insurance agents. Cheaper car insurance is available both online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates.

When getting car insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where an accident victim reduced physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.

Drivers who switch companies do it for a variety of reasons including unfair underwriting practices, not issuing a premium refund, delays in responding to claim requests or being labeled a high risk driver. Whatever your reason, finding a new company is actually quite simple.

More learning opportunities

• What is Full Coverage? (Allstate)
• Who Has Cheap Auto Insurance for a Hyundai Sonata in Greensboro? (QuoteGreensboro.com)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Medical Payments Coverage (Liberty Mutual)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• What is Covered by GAP Insurance? (Allstate)