2014 Hyundai Sonata Hybrid Insurance Cost

Looking for cheaper insurance coverage rates for your Hyundai Sonata Hybrid? Nobody cherishes buying insurance coverage, particularly when the cost is way too high. Popular companies such as State Farm, Geico and Farmers Insurance continually bombard you with TV and radio ads and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

Finding Insurance Coverage

Getting a lower price on 2014 Hyundai Sonata Hybrid insurance isn’t really that difficult. All that’s required is to spend a few minutes on the computer comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The single most time-saving way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do separate quote forms for each company. One simple form will return quotes from several companies.

A more time consuming way to find lower rates is going to the website for each individual company to complete a price quote. For instance, let’s say you want comparison quotes from USAA, Progressive and Travelers. To find out each rate you need to go to every website to input your insurance information, which is why the first method is more popular.

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

Which method you use is up to you, but make sure you use apples-to-apples coverages with every price quote. If you enter higher or lower deductibles it will be very difficult to truly determine the lowest rate.

Tailor your coverage to you

When buying adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions could help you determine if your insurance needs might need professional guidance.

• Does insurance cover damages from a DUI accident?
• Am I covered if I hit my neighbor’s mailbox?
• Should I bundle my homeowners policy with my auto?
• Is my state a no-fault state?
• Is my ex-spouse still covered by my policy?
• Is other people’s property covered if stolen from my vehicle?
• Do I need roadside assistance coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Are all vehicle passengers covered by medical payments coverage?
• Is extra glass coverage worth it?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverages for a 2014 Hyundai Sonata Hybrid

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, sideswiping another vehicle, rolling your car, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from flooding, vandalism and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills for things like funeral costs, doctor visits, rehabilitation expenses, chiropractic care and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. This coverage 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. You commonly see policy limits of 50/100/50 which means 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 coverage pays for claims such as legal defense fees, bail bonds and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.