Cheap 2013 Hyundai Sonata Insurance Quotes

Trying to find lower insurance rates? Buyers have many options when searching for low-cost Hyundai Sonata insurance. You can either waste hours struggling with agents getting price quotes or utilize the internet to find the lowest rates. There are more efficient ways to find insurance online so we’re going to tell you the best way to compare rates for your Hyundai and obtain the cheapest rates from both online companies and local agents.

Consumers should take time to compare prices once or twice a year due to the fact that insurance rates change regularly. Even if you think you had the best deal for Sonata insurance a few years ago there is a good chance you can find better rates now. Starting right now, ignore everything you know about insurance because you’re about to learn one of the quickest ways to reduce your cost while increasing coverage.

Discounts on 2013 Hyundai Sonata insurance

Companies that sell car insurance don’t list every discount very clearly, so we researched some of the more common and also the lesser-known savings tricks you should be using. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in high school.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for Sonata insurance than less cautious drivers.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off for Sonata insurance depending on your company.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying a policy and signing up online.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • Save over 55 – Mature drivers can possibly qualify for a discount up to 10% for Sonata insurance.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

To see a list of insurers offering insurance coverage discounts, click here to view.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different.

For example, these questions might help in determining whether your personal situation would benefit from professional advice.

  • How much can I save by bundling my policies?
  • What is the minimum liability in my state?
  • Are split liability limits better than a combined single limit?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What if I don’t agree with a claim settlement offer?
  • Is my 2013 Hyundai Sonata covered for flood damage?
  • Who is covered when they drive my 2013 Hyundai Sonata?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Insurance policy coverages for a 2013 Hyundai Sonata

Having a good grasp of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for chiropractic care, doctor visits and EMT expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as pain and suffering, repair costs for stationary objects, medical expenses and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, damage from getting keyed, a tree branch falling on your vehicle, falling objects and rock chips in glass. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage pays for damage to your Sonata resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, crashing into a building and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists 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, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Keep this in mind

People switch companies for many reasons like denial of a claim, an unsatisfactory settlement offer, not issuing a premium refund and even lack of trust in their agent. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.

Low-cost 2013 Hyundai Sonata insurance can be bought on the web and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some insurance companies may not provide online quoting and these regional insurance providers work with independent agents.

You just read a lot of ways to lower your insurance rates. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on auto insurance is with some of the smallest insurance companies.

Additional learning opportunities