Save Money on Hyundai Sonata Insurance in Sacramento

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Insurance for Hyundai SonataTo save the most money, the best way to find cheaper prices for Hyundai Sonata insurance in Sacramento is to make a habit of comparing prices annually from insurers that sell auto insurance in California.

Step 1: Read about coverages and the measures you can take to drop your rates. Many rating criteria that cause high rates like speeding tickets, careless driving and a negative credit rating can be rectified by making minor changes in your lifestyle. This article provides more details to get lower rates and find available discounts that you may qualify for.

Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like GEICO or State Farm, while agents who are independent can quote prices for many different companies.

Step 3: Compare the new quotes to the premium of your current policy to see if a cheaper rate is available in Sacramento. If you can save money and buy the policy, verify that coverage does not lapse between policies.

One key aspect of rate comparisons is that you'll want to compare the same liability limits and deductibles on each quote and and to get price quotes from as many car insurance companies as possible. This guarantees the most accurate price comparison and maximum price selection.

It's an obvious assumption that car insurance companies don't want you comparing rates. Insureds who shop around for cheaper prices are likely to buy a new policy because there is a high probability of finding coverage at a more affordable price. Surprisingly, a recent survey revealed that consumers who faithfully checked for cheaper rates saved $3,500 over four years compared to policyholders who never shopped around for better prices.

If finding the lowest price for car insurance is your goal, then having a grasp of the best ways to shop for cheaper coverage can help you succeed in finding affordable rates.

If you have a policy now or just want cheaper coverage, use these money-saving tips to find better prices and still get good coverage. Choosing the most cost-effective insurance policy in Sacramento is actually very simple if you learn how to start. Consumers just have to know the best way to compare company rates on the web.

Most companies allow consumers to get insurance quotes on their websites. This process doesn't take a lot of time as you simply enter your coverage preferences on the page. Once entered, the system sends out for your driving record and credit report and gives you a price quote based on these and other factors. The ability to get online quotes for Hyundai Sonata insurance in Sacramento simplifies rate comparisons, and it's very important to perform this step if you are searching for cheaper rates.

In order to compare rates using this form now, compare quotes from the companies shown below. To compare your current rates, we recommend you duplicate the coverages exactly as shown on your declarations page. This makes sure you will have comparison quotes based on identical coverages.

The providers in the list below offer free quotes in California. To find the cheapest car insurance in Sacramento, CA, it's a good idea that you visit as many as you can to find the most competitive auto insurance rates.

Choosing Hyundai Sonata insurance is an important decision

Even though it can be expensive, buying car insurance serves an important purpose.

First, almost all states have minimum mandated liability insurance limits which means state laws require specific limits of liability protection in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a lien on your car, almost all lenders will have a requirement that you have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Hyundai at a significantly higher premium and require you to fork over a much higher amount than you were paying before.

Third, car insurance protects your Hyundai and your assets. It also can pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if someone files suit against you as the result of an accident. If you have damage to your Hyundai as the result of the weather or an accident, your car insurance policy will pay to have it repaired.

The benefits of having car insurance more than cancel out the cost, especially with large liability claims. According to a recent study, the average American driver is overpaying over $825 a year so we recommend shopping around every year to help ensure money is not being wasted.

Rates and detailed analysis

The coverage information displayed next highlights a range of insurance coverage prices for Hyundai Sonata models. Understanding more about how auto insurance policy rates are calculated can be valuable when making decisions on the best policy to buy.

Hyundai Sonata Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $164 $308 $480 $28 $144 $1,124 $94
Sonata GLS 4-Dr Sedan $164 $308 $480 $28 $144 $1,124 $94
Sonata GLS 4-Dr Sedan $164 $308 $480 $28 $144 $1,124 $94
Sonata SE 4-Dr Sedan $164 $362 $480 $28 $144 $1,178 $98
Sonata SE 4-Dr Sedan $164 $362 $480 $28 $144 $1,178 $98
Sonata Limited 4-Dr Sedan $186 $362 $480 $28 $144 $1,200 $100
Sonata Limited 4-Dr Sedan $186 $362 $480 $28 $144 $1,200 $100
Get Your Own Custom Quote Go

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in specific garaging location which can increase or decrease price quotes greatly.

How high should deductibles be?

A question often asked by Sacramento drivers is which comprehensive and collision deductibles to buy. The premium rates below may help to conceptualize the rate difference when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate table uses a $500 deductible.

Hyundai Sonata insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata SE 4-Dr Sedan $342 $678 $500 $30 $150 $1,725 $144
Sonata SE 4-Dr Sedan $342 $678 $500 $30 $150 $1,725 $144
Sonata Limited 4-Dr Sedan $386 $678 $500 $30 $150 $1,769 $147
Sonata Limited 4-Dr Sedan $386 $678 $500 $30 $150 $1,769 $147
Get Your Own Custom Quote Go
Hyundai Sonata insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $278 $464 $500 $30 $150 $1,422 $119
Sonata GLS 4-Dr Sedan $278 $464 $500 $30 $150 $1,422 $119
Sonata GLS 4-Dr Sedan $278 $464 $500 $30 $150 $1,422 $119
Sonata SE 4-Dr Sedan $278 $546 $500 $30 $150 $1,504 $125
Sonata SE 4-Dr Sedan $278 $546 $500 $30 $150 $1,504 $125
Sonata Limited 4-Dr Sedan $314 $546 $500 $30 $150 $1,540 $128
Sonata Limited 4-Dr Sedan $314 $546 $500 $30 $150 $1,540 $128
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle garaging location which can increase or decrease auto insurance rates considerably.

Based on the data above, we can derive that using a $250 deductible costs approximately $18 more each month or $216 a year than buying the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 14 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

The chart below shows how choosing a deductible and can influence Hyundai Sonata insurance premiums for different categories of driver ages. The data is based on a single female driver, full coverage, and no other discounts are factored in.

Poor driving habits will raise your insurance rates

The example below demonstrates how citations and at-fault fender-benders can affect Hyundai Sonata insurance prices for each age group. Data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

Should you buy full coverage?

The example below illustrates the difference between Hyundai Sonata insurance costs with full physical damage coverage and with liability coverage only. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There isn't a steadfast formula to delete physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Hyundai Sonata replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after the deductible is paid. If premiums are more than $600 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some situations where only buying liability is not advised. If you haven't paid off your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Lower your car insurance rates with discounts

Some insurance providers don't always advertise every discount they offer in an easy-to-find place, so below is a list some of the more common and also the lesser-known credits that you can use to lower your rates. If you check and find you aren't receiving every discount possible, you are paying more than you should be.Discount car insurance

  • Waiver for an Accident - This one is not really a discount per se, but some insurance companies will let one accident slide before your rates go up if you are claim-free prior to being involved in the accident.
  • Discounts for New Vehicles - Putting insurance coverage on a new Sonata can get you a discount because new vehicles have to meet stringent safety requirements.
  • Military Rewards - Being on active deployment in the military may lower your rates slightly.
  • Sign Online - A handful of companies will give you a small discount get Sacramento auto insurance on the web.
  • College Student Discount - Any of your kids who are enrolled in a college that is more than 100 miles from Sacramento without a vehicle on campus may be insured at a cheaper rate.
  • Discounts for Government Workers - Federal government employees can earn a discount up to 10% with certain companies.
  • Renewal Discounts - A few car insurance companies give discounts for renewing your policy prior to your current Sonata insurance policy expiration. This can save 10% or more.
  • Drivers Ed for Students - It's a good idea to have your young drivers enroll and complete driver's education in high school.
  • Use Seat Belts - Forcing all vehicle occupants to wear their seat belts can save 10% or more off the medical payments premium.
  • Multi-line Discount - Select insurance companies reward you with lower prices if you buy a life policy as well.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, you aren't that lucky.

The diagram below illustrates the difference between Hyundai Sonata car insurance rates with and without policy discounts. The rates are based on a female driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, marriage, homeowner, and multi-policy discounts applied.

Large car insurance companies and a summarized list of policyholder discounts can be read below.

  • American Family offers premium reductions for bundled insurance, Steer into Savings, multi-vehicle, defensive driver, and accident-free.
  • State Farm policyholders can earn discounts including driver's education, accident-free, multiple policy, good student, and multiple autos.
  • 21st Century offers discounts for defensive driver, air bags, teen driver, homeowners, anti-lock brakes, theft prevention, and 55 and older.
  • Travelers may have discounts that include student away at school, hybrid/electric vehicle, multi-car, home ownership, continuous insurance, multi-policy, and driver training.
  • GEICO includes discounts for air bags, seat belt use, federal employee, anti-theft, good student, and membership and employees.

Before you buy a policy, ask every insurance company the best way to save money. Some discounts listed above might not apply in your state. If you would like to see a list of companies offering car insurance discounts in California, click here.