Insurance for Hyundai SonataWant to know an easy way to compare the cheapest Hyundai Sonata insurance in Philadelphia? Getting the lowest cost Philadelphia Hyundai Sonata insurance quotes can seem to be problematic for vehicle owners who are new to buying their car insurance over the internet. With literally dozens of online companies available, how are vehicle owners expected to be able to compare them all to find cheaper car insurance rates?

It's astonishing, but a large majority of drivers have stayed with the same insurance company for over three years, and almost 40% of drivers have never compared rate quotes at all. Pennsylvania insurance shoppers could save up to $700 every year by just shopping around, but they won't spend time to compare rates online.

Affordable companies for Hyundai Sonata insurance

The companies shown below provide price quotes in Pennsylvania. If you want to find the cheapest auto insurance in Pennsylvania, it's highly recommended you visit as many as you can to get the lowest price.

Hyundai Sonata Insurance Rate Estimates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $244 $484 $484 $28 $144 $1,384 $115
Sonata GLS 4-Dr Sedan $322 $512 $488 $28 $146 $1,496 $125
Sonata GLS 4-Dr Sedan $236 $346 $488 $28 $146 $1,244 $104
Sonata SE 4-Dr Sedan $206 $408 $372 $22 $112 $1,120 $93
Sonata SE 4-Dr Sedan $158 $318 $372 $22 $112 $982 $82
Sonata Limited 4-Dr Sedan $200 $400 $390 $24 $116 $1,130 $94
Sonata Limited 4-Dr Sedan $328 $506 $488 $28 $146 $1,496 $125
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in specific Philadelphia garaging location which can influence auto insurance rates greatly.

Car insurance deductibles

The chart below demonstrates how deductibles and can impact Hyundai Sonata annual premium costs for different categories of driver ages. The costs are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

Physical damage deductible comparison

The hardest decision when buying coverage is how low should you set your deductibles. The following tables may help to illustrate the differences in price when you choose different physical damage coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Hyundai Sonata insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $284 $512 $372 $22 $112 $1,327 $111
Sonata GLS 4-Dr Sedan $284 $512 $372 $22 $112 $1,327 $111
Sonata GLS 4-Dr Sedan $284 $512 $372 $22 $112 $1,327 $111
Sonata SE 4-Dr Sedan $284 $602 $372 $22 $112 $1,417 $118
Sonata SE 4-Dr Sedan $284 $602 $372 $22 $112 $1,417 $118
Sonata Limited 4-Dr Sedan $320 $602 $372 $22 $112 $1,453 $121
Sonata Limited 4-Dr Sedan $320 $602 $372 $22 $112 $1,453 $121
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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 $158 $270 $372 $22 $112 $934 $78
Sonata GLS 4-Dr Sedan $158 $270 $372 $22 $112 $934 $78
Sonata GLS 4-Dr Sedan $158 $270 $372 $22 $112 $934 $78
Sonata SE 4-Dr Sedan $158 $318 $372 $22 $112 $982 $82
Sonata SE 4-Dr Sedan $158 $318 $372 $22 $112 $982 $82
Sonata Limited 4-Dr Sedan $178 $318 $372 $22 $112 $1,002 $84
Sonata Limited 4-Dr Sedan $178 $318 $372 $22 $112 $1,002 $84
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in specific location information which can decrease or increase auto insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $35 more each month or $420 annually than quoting the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 26 months between claims, you would more than likely save some money going with the higher deductible.

Smart Consumers Can Reduce Insurance Rates

An important part of buying insurance is that you know a few of the rating criteria that are used to determine your premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that can help you get much lower annual insurance costs. Lots of things are used in the calculation when premium rates are determined. Most are fairly basic such as your driving record, but some are less apparent like where you live or your commute time.

Deter vehicle theft - Choosing to buy a car with an alarm system can help lower your rates. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all help prevent your vehicle from being stolen.

Never have car insurance lapses - Driving any period of time without insurance is illegal and you will pay a penalty because you let your insurance coverage expire. Not only will you pay more, failure to provide proof of insurance could earn you a steep fine or even jail time.

Insurance prices and driver gender - Over the last 30 years, statistics show women are more cautious behind the wheel. However, don't assume that females are better drivers. They both get in at-fault accidents at a similar rate, but the males cause more damage and cost insurance companies more money. In addition to higher claims, males also have more aggressive citations like driving under the influence (DUI).

Safer cars save money - Safe vehicles can get you lower premiums. The safest vehicles help reduce the chance of injuries in an accident and any reduction in injury severity translates into savings for insurance companies which can result in lower premiums. If your Hyundai scored better than four stars on Safercar.gov or an "acceptable" rating on iihs.org it may cost less to insure.

Insurance loss statistics a Hyundai Sonata - Insurance companies include the past claim trends for vehicles when determining insurance costs. Vehicles that the data shows to have a trend towards higher claim severity or frequency will have higher premium rates.

The table below illustrates the collected loss data for Hyundai Sonata vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, without regard to make or model, is equal to 100. Values that are below 100 are indicative of better than average losses, while numbers above 100 indicate higher probability of having a loss or tendancy to have higher losses.

Insurance Loss Ratings for Hyundai Sonata Vehicles

Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Hyundai Sonata 129 88 101 138 149 110
Hyundai Sonata Hybrid 142 116 119 124 138 121
BETTER
AVERAGE
WORSE

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Verify you're applying every discount

Some insurers don't always publicize every discount they offer very clearly, so we break down some of the best known and the harder-to-find credits available to bring down your rates.Cheaper auto insurance with discounts

You should keep in mind that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it's possible to get free car insurance, it doesn't quite work that way.

Some of the larger companies that may offer some of the above discounts are:

If you are trying to find affordable Hyundai Sonata insurance quotes, ask all the companies which discounts they offer. Discounts might not be offered everywhere.

Buying auto insurance from Philadelphia insurance agents

Certain consumers just prefer to go talk to an agent and we recommend doing that One of the great benefits of comparing rate quotes online is the fact that you can find the best rates and still choose a local agent. Putting coverage with local insurance agents is definitely important in Philadelphia.

Insurance agency in PhiladelphiaTo make it easy to find an agent, after completing this short form, your insurance data is instantly submitted to insurance agents in Philadelphia who will gladly provide quotes for your insurance coverage. There is no need to find an agent on your own due to the fact that quote results will go instantly to you. You can find the lowest rates without having to waste a lot of time. In the event you want to compare prices from one company in particular, feel free to go to their quote page and fill out their quote form.

The type of auto insurance agent you choose is important

If you want a local Philadelphia insurance agency, it's helpful to know the types of agencies that differ in how they can insure your vehicles. Agents are categorized either independent agents or exclusive agents depending on their employer.

Independent Auto Insurance Agents

Independent agents often have many company appointments so they have the ability to put coverage with lots of companies and help determine which has the cheapest rates. To move your coverage to a new company, your agent can switch companies which requires no work on your part. When comparing rates, we recommend you include price quotes from independent agents to get the best comparison. Many can place coverage with smaller regional carriers who may have lower rates.

Featured below is a list of independent insurance agents in Philadelphia who can help you get price quotes.

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Exclusive Agencies

These agents work for only one company like Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are well trained on sales techniques which helps them compete with independent agents. Drivers often buy from exclusive agents partially due to the prominent brand name rather than low price.

Shown below are Philadelphia exclusive agents that are able to give price quotes.

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Picking the best insurance agent is decision based upon more than just the bottom line cost. A good agent in Philadelphia will have answers to these questions.

After talking to the agent and getting acceptable answers to all your questions in addition to an acceptable price estimate, you've probably found a car insurance agent that is a good match to service your policy. Just remember consumers can cancel a policy when you choose so never assume that you are obligated to a policy for the entire policy term.

Car insurance can get complicated

When selecting a policy for your vehicles, there really is no "best" method to buy coverage. Every situation is different.Car insurance savings

For example, these questions may help highlight whether or not you might need professional guidance.

If you can't answer these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Car insurance savings summarized

You just read many ways to lower your Hyundai Sonata insurance premium rates in Philadelphia. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with some of the lesser-known companies.

Consumers who switch companies do it for any number of reasons including poor customer service, unfair underwriting practices, questionable increases in premium or even policy cancellation. No matter why you want to switch, finding the right car insurance provider is not as difficult as it may seem.

As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. In many instances, an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

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