2016 Hyundai Sonata Insurance Quotes – 10 Discounts for Best Rates

Trying to find lower insurance rates for your Hyundai Sonata? Searching for low-cost insurance for a Hyundai Sonata could be a lot of work, but you can use these tips to save time.

There is a better way to shop for insurance so we’re going to tell you the best way to compare rates for a Hyundai and get the lowest price from local insurance agents and online providers.

If you have insurance now or need a new policy, you can follow these tips to find better prices and still get good coverage. Locating cheaper protection is easy if you know what you’re doing. Drivers only need to know the best way to find the lowest price over the internet.

Lower-cost car insurance quotes with discounts

Car insurance is expensive, but there could be significant discounts that you may not even be aware of. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Cautious Driver Discount – Safe drivers can save as much as half off their rates for Sonata insurance as compared to drivers with claims.
  • Employee of Federal Government – Active or former government employment may reduce rates when you quote insurance for Sonata insurance but check with your company.
  • Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft so companies will give you a small discount.
  • Auto/Life Discount – Larger car insurance companies have a break if you buy a life insurance policy as well.
  • Anti-lock Brake Discount – Vehicles that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
  • Student in College – Older children who live away from home at college without a vehicle on campus can be insured at a reduced rate.
  • Military Deployment Discount – Being deployed in the military may lower your rates slightly.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the premium charged for medical payments and/or PIP.
  • Clubs and Organizations – Affiliation with a qualifying organization can get you a small discount on your next renewal.
  • Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you may reduce your total bill.

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will help lower the amount you have to pay.

To see a list of providers that offer discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether you will benefit from professional help.

  • Exactly who is provided coverage by my policy?
  • Do I need an umbrella policy?
  • When should I remove comp and collision on my 2016 Hyundai Sonata?
  • Does car insurance cover theft of personal property?
  • Is upholstery damage covered by car insurance?
  • Do I need roadside assistance coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Specific coverages for a Hyundai Sonata

Having a good grasp of insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers – This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Hyundai Sonata.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for liability – Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like pain and suffering, repair costs for stationary objects and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for bills like EMT expenses, chiropractic care and surgery. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance will pay to fix damage to your Sonata resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, hitting a mailbox, damaging your car on a curb, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from flooding and a broken windshield. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

A little work can save a LOT of money

We just covered a lot of tips how to lower your 2016 Hyundai Sonata insurance rates. The most important thing to understand is the more you quote insurance, the better your chances of lowering your car insurance rates. Consumers could even find that the biggest savings come from some of the smallest insurance companies.

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced uninsured motorist or liability limits only to discover later that the savings was not a smart move. The ultimate goal is to find the BEST coverage at the best possible price, but do not skimp to save money.

Cost effective 2016 Hyundai Sonata insurance is definitely available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not offer price quotes online and many times these small, regional companies only sell through independent insurance agencies.

To read more, take a look at these articles: