Compare 2013 Hyundai Sonata Hybrid Insurance Cost in 2024

Trying to find better auto insurance rates for your Hyundai Sonata Hybrid? Having to pay for overpriced Hyundai Sonata Hybrid insurance can consume your savings account and maybe even restrict other spending. Doing a price comparison can lower your rates and help to lower your monthly bill.

Big companies like Allstate, Progressive and GEICO persistently shower you with catchy ads and consumers find it hard to see through the deception and find the best price available.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these methods. Finding affordable coverage is not that difficult. Nevertheless, vehicle owners must know how big insurance companies sell online.

Lower rate quotes by getting discounts

Car insurance is not inexpensive, but there could be available discounts that can help lower your rates. Certain reductions will be credited at the time you complete a quote, but some discounts are required to be requested specifically prior to receiving the credit.

• Distant Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
• Passenger Safety Discount – Vehicles equipped with air bags may get savings up to 30%.
• Professional Memberships – Being in qualifying employment or professional organizations may earn a discount on your policy.
• Military Rewards – Having a deployed family member could be rewarded with lower premium rates.
• Homeowners Savings – Owning a house can save a few bucks because of the fact that having a home demonstrates responsibility.
• Online Discount – A handful of insurance companies provide a small discount shop insurance coverage on their website.
• Good Student – Excelling in school may save as much as 25% on a insurance coverage quote. Most companies allow this discount until age 25.
• Telematics Data Discounts – Policyholders that allow driving data submission to analyze vehicle usage by using a small device installed in their vehicle like Allstate’s Drivewise might see lower rates if their driving habits are good.
• Drive Less and Save – Driving less may enable drivers to earn slightly better premium rates than normal.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your insurance coverage quote.

You can save money using discounts, but many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A list of companies and a summarized list of policyholder discounts are included below.

• 21st Century discounts include automatic seat belts, anti-lock brakes, teen driver, student driver, air bags, and driver training.
• State Farm offers discounts for good student, accident-free, Drive Safe & Save, safe vehicle, multiple policy, passive restraint, and multiple autos.
• AAA offers discounts including good driver, multi-car, education and occupation, anti-theft, and good student.
• Liberty Mutual has discounts for exclusive group savings, preferred payment discount, hybrid vehicle, new vehicle discount, newly retired, multi-policy, and new move discount.
• Progressive may include discounts for online quote discount, homeowner, good student, multi-policy, online signing, continuous coverage, and multi-vehicle.

Double check with each company to give you their best rates. Some discounts may not apply in your area. If you would like to choose from a list of car insurance companies with the best discounts, enter your zip code here.

Your insurance coverage should be tailored to you

When choosing adequate coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions can help discover whether your personal situation will benefit from professional help.

• How can I get high-risk coverage after a DUI?
• Do I have coverage when pulling a U-Haul trailer?
• What is the minimum liability in my state?
• Do I need roadside assistance coverage?
• Does my policy cover me when driving someone else’s vehicle?
• Is my teenager covered with friends in the car?
• Does my policy pay for OEM or aftermarket parts?
• Does liability extend to a camper or trailer?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete your zip code.

Car insurance policy coverages for a 2013 Hyundai Sonata Hybrid

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average car insurance policy.

Collision coverage protection

This coverage pays for damage to your Sonata Hybrid resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, sideswiping another vehicle, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability car insurance

This provides protection from damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as funeral expenses, repair costs for stationary objects and bail bonds. How much coverage you buy is a personal decision, but buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Hyundai Sonata Hybrid.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, hitting a bird and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses for things like chiropractic care, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Online plus local equals savings

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. In many cases, an insured cut liability coverage limits to discover at claim time that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at the best possible price while still protecting your assets.

We just showed you some good ideas how you can get a better price on 2013 Hyundai Sonata Hybrid insurance. The most important thing to understand is the more companies you get rates for, the better likelihood of getting low cost insurance coverage. Consumers could even find that the lowest prices are with a company that doesn’t do a lot of advertising. They may only write in your state and offer lower rates as compared to the big name companies such as Allstate, GEICO and Progressive.