Find Cheaper Hyundai Sonata Insurance in Phoenix

Are you burned out from paying out the nose to pay high car insurance rates every month? You are in the same boat as millions of other drivers.

Discount Hyundai Sonata insuranceA recent car insurance study revealed that nearly 70% of drivers kept buying from the same company for well over three years, and nearly 40% of drivers have never shopped around. Arizona drivers can save approximately $733 each year just by getting comparison quotes, but most undervalue the benefits if they changed companies.

With so many choices of insurance companies that have cheaper insurance for a Hyundai Sonata in Phoenix, it’s difficult to find the most affordable car insurance provider.

The purpose of this post is to familiarize you with the most effective way to quote insurance and also pocket some savings If you currently have insurance, you should be able to find the best rates using the concepts covered in this article. But Arizona drivers need to learn how big insurance companies calculate your insurance rates and use it to find better rates.

When comparison shopping, there are several ways to get quotes from different Phoenix insurance companies. One of the best ways to compare rates is to use the internet to compare rates.

It’s so simple to compare insurance rate quotes online takes the place of having to drive around to and from local Phoenix insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you have a complicated situation and need the extra assistance of an agent trained in personal lines coverage. Drivers can find lower rates online and get advice from an agent in your area. When quoting insurance, remember that more quotes provides better odds of finding the best price.

The car insurance companies shown below offer free quotes in Phoenix, AZ. If the list has multiple companies, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.

Hyundai Sonata Insurance Estimates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $138 $240 $346 $20 $104 $848 $71
Sonata GLS 4-Dr Sedan $182 $308 $346 $20 $104 $960 $80
Sonata GLS 4-Dr Sedan $124 $252 $382 $22 $114 $894 $75
Sonata SE 4-Dr Sedan $210 $456 $458 $28 $136 $1,288 $107
Sonata SE 4-Dr Sedan $222 $520 $440 $26 $132 $1,340 $112
Sonata Limited 4-Dr Sedan $138 $298 $382 $22 $114 $954 $80
Sonata Limited 4-Dr Sedan $286 $632 $410 $24 $122 $1,474 $123
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in specific Phoenix garaging location which can revise insurance rates significantly.

Deductible analysis

A question often asked by Phoenix drivers is the level to set your comp and collision deductibles. The tables below can help you understand how much more you’ll pay of buying low and high deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Hyundai Sonata insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $232 $390 $338 $20 $102 $1,107 $92
Sonata GLS 4-Dr Sedan $232 $390 $338 $20 $102 $1,107 $92
Sonata GLS 4-Dr Sedan $232 $390 $338 $20 $102 $1,107 $92
Sonata SE 4-Dr Sedan $232 $460 $338 $20 $102 $1,177 $98
Sonata SE 4-Dr Sedan $232 $460 $338 $20 $102 $1,177 $98
Sonata Limited 4-Dr Sedan $262 $460 $338 $20 $102 $1,207 $101
Sonata Limited 4-Dr Sedan $262 $460 $338 $20 $102 $1,207 $101
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Hyundai Sonata insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $144 $246 $338 $20 $102 $850 $71
Sonata GLS 4-Dr Sedan $144 $246 $338 $20 $102 $850 $71
Sonata GLS 4-Dr Sedan $144 $246 $338 $20 $102 $850 $71
Sonata SE 4-Dr Sedan $144 $290 $338 $20 $102 $894 $75
Sonata SE 4-Dr Sedan $144 $290 $338 $20 $102 $894 $75
Sonata Limited 4-Dr Sedan $162 $290 $338 $20 $102 $912 $76
Sonata Limited 4-Dr Sedan $162 $290 $338 $20 $102 $912 $76
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Table data does not factor in vehicle location which can affect coverage rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $22 more each month or $264 a year than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 34 months between claim filings, you would most likely save money by selecting a higher deductible.

How violations and accidents impact rates

The example below shows how speeding tickets and at-fault collisions can influence Hyundai Sonata insurance costs for different age groups of insureds. Data assumes a single male driver, full coverage, $500 deductibles, and no other discounts are factored in.

Cost of full coverage

The chart below shows the difference between Hyundai Sonata annual premium costs with and without physical damage coverage. The data assumes no tickets, no at-fault accidents, $250 deductibles, married female driver, and no discounts are applied to the premium.

Are you wasting money paying for full coverage?

There is no clear-cut formula to stop buying full coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s say your Hyundai Sonata claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If you are paying in excess of $500 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are a few situations where removing full coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Car insurance is not optional but you don’t have to overpay

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

The benefits of having insurance outweigh the cost, especially if you ever need it. But the average American driver is overpaying more than $865 each year so it’s important to compare rates every year to be sure current rates are still competitive.

Hyundai Sonata Insurance Premiums Can Be More Affordable

Lots of things are used when premium rates are determined. Some factors are common sense like a motor vehicle report, although others are more obscure like where you live and annual miles driven. A large part of saving on auto insurance is knowing the different types of things that help calculate your premiums. If you know what influences your rates, this helps enable you to make changes that could result in better auto insurance rates.

The itemized list below are a few of the things utilized by car insurance companies to help set prices.

Auto insurance policy discounts you can’t miss

Some companies don’t always publicize all their discounts very well, so here is a list both well-publicized and the harder-to-find credits available to you.Auto insurance discounts

You can save money using discounts, but most discount credits are not given to the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, you aren’t that lucky. Any qualifying discounts will help lower your policy premiums.

A few of the larger companies and their possible discounts are shown below.

Before buying, ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders everywhere. To find insurers with significant discounts in Phoenix, click this link.

Exclusive versus independent insurance agencies

A lot of people still prefer to sit down and talk to an agent and that is not a bad decision The biggest benefit of comparing insurance online is that you can obtain the lowest rates but still work with a licensed agent. And supporting neighborhood insurance agencies is definitely important in Phoenix.

Insurance agency in PhoenixFor easy comparison, once you complete this short form, your information is transmitted to participating agents in Phoenix who will return price quotes for your coverage. You don’t have to contact any insurance agencies because quoted prices will be sent to you directly. You can most likely find cheaper rates without a big time investment. If you have a need to get a comparison quote from one company in particular, you would need to jump over to their website and give them your coverage information.

Two different types of car insurance agents

If you want to buy insurance from a local Phoenix insurance agent, it can be helpful to understand the types of agencies and how they function. Phoenix agents are considered either exclusive or independent (non-exclusive).

Independent Agencies or Brokers

Agents in the independent channel do not work for one specific company and that gives them the ability to insure through many companies and help determine which has the cheapest rates. If premiums increase, an independent agent can move your coverage and you can keep the same agent.

When comparing rates, it’s recommended you compare quotes from a few independent agents to ensure the widest selection of prices.

Featured below is a small list of independent insurance agents in Phoenix who can help you get comparison quotes.

Travelers Insurance
22601 N 19th Ave #216Phoenix, AZ 85027(623) 572-0032View Map

16815 S Desert Foothills Pkwy #140Phoenix, AZ 85048(480) 423-3444View Map

5720 N 27th AvePhoenix, AZ 85017(602) 242-5303View Map

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Exclusive Insurance Agencies

Agents of this type have only one company to place business with and examples are Allstate and State Farm. Exclusive agencies are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on the products they sell which helps them compete with independent agents.

Listed below is a short list of exclusive agencies in Phoenix willing to provide price quotes.

1704 W Bethany Home RdPhoenix, AZ 85015(602) 249-1037View Map

Eric Hamilton – State Farm Insurance Agent
10265 W Camelback Rd #120Phoenix, AZ 85037(623) 848-3048View Map

243 W Portland StPhoenix, AZ 85003(602) 277-2687View Map

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Finding the right insurance agent should depend on more than just the quoted price. A good agent in Phoenix will have answers to these questions.

If you feel you receive satisfactory answers to all your questions and an affordable coverage quote, chances are good that you have found an auto insurance agent that can be relied on to properly insure your vehicles.

Affordable insurance rates are out there

Discount Hyundai Sonata insurance in Phoenix is attainable on the web in addition to local insurance agencies, so you need to shop Phoenix auto insurance with both to have the best rate selection. A few companies do not offer the ability to get a quote online and many times these small, regional companies work with independent agents.

In this article, we covered a lot of information how to reduce Hyundai Sonata insurance prices online in Phoenix. The key concept to understand is the more providers you compare, the better likelihood of getting low cost Phoenix auto insurance quotes. Drivers may even discover the best prices are with a small local company. These companies may only write in your state and offer lower rates as compared to the big name companies such as GEICO and State Farm.

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