Sick and tired of sacrificing to pay your insurance bill each month? You are no different than the majority of other vehicle owners in Pennsylvania.
It's astonishing, but almost 70% of insureds have stayed with the same insurance company for more than four years, and roughly 40% of drivers have never even compared rates from other companies. Many consumers in Pennsylvania can cut their rates by as much as $690 a year by just shopping around, but they just don't understand the benefits if they switched.
With vehicle owners having so many insurance providers from which to choose, it is very difficult to locate the lowest price insurance company.
Smart consumers take time to do price comparisons yearly because insurance prices are usually higher with each renewal. Even if you got the best rate on Hyundai Sonata insurance in Erie six months ago you can probably find a better premium rate now. Forget all the misinformation about insurance because you're about to find out the easiest way to buy cheaper Hyundai Sonata insurance in Erie.
Auto insurance providers offering cheap rate quotes in Pennsylvania
The following companies provide price quotes in Pennsylvania. If you wish to find cheap auto insurance in Pennsylvania, we suggest you compare several of them to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sonata GLS 4-Dr Sedan||$202||$398||$450||$26||$134||$1,210||$101|
|Sonata GLS 4-Dr Sedan||$122||$224||$350||$20||$104||$820||$68|
|Sonata GLS 4-Dr Sedan||$232||$394||$384||$22||$114||$1,146||$96|
|Sonata SE 4-Dr Sedan||$188||$374||$384||$22||$114||$1,082||$90|
|Sonata SE 4-Dr Sedan||$272||$682||$484||$28||$144||$1,610||$134|
|Sonata Limited 4-Dr Sedan||$354||$742||$502||$30||$150||$1,778||$148|
|Sonata Limited 4-Dr Sedan||$290||$554||$384||$22||$114||$1,364||$114|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in specific location which can raise or lower coverage rates greatly.
Car insurance rates by age and gender in Erie
The chart below illustrates the difference between Hyundai Sonata insurance rates for male and female drivers. The information is based on no accidents, no driving violations, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.
Cheaper rates with these seven discounts
Car insurance companies do not list their entire list of discounts in an easy-to-find place, so the list below contains some of the more common and also the more inconspicuous credits that may apply to you. If you check and find you aren't receiving every discount you qualify for, you are just wasting money.
- Driver Education Discount - Reduce the cost of insurance for teen drivers by having them successfully take a driver's education course in school or through a local driver safety program.
- Multi-car Discount - Buying a policy with multiple cars on one policy can get a discount on all vehicles.
- Paper-free Discount - Some insurance companies will give a small break just for signing your application digitally online.
- Military Discounts - Being on active duty in the military could mean lower insurance rates.
- Drive Less and Save - Driving fewer miles may enable drivers to earn substantially lower prices.
- Multi-line Discount - If the company offers life insurance, you could get a small discount if you purchase life insurance.
- Anti-lock Brake System - Vehicles with ABS braking systems or traction control can avoid accidents and will save you 10% or more on Sonata insurance in Erie.
We need to note that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. So even though it sounds like you could get a free insurance policy, it's just not the way it works.
A partial list of companies who may offer some of the above discounts include:
When quoting, ask every prospective company which discounts you qualify for. Some discounts listed above may not apply in Erie. If you would like to choose from a list of insurers with the best Hyundai Sonata insurance discounts in Erie, click here to view.
Local agents and auto insurance
A lot of people would prefer to talk to an insurance agent and that is a personal choice. The best thing about getting free rate quotes online is that you can obtain cheaper premium rates and also buy local. Buying from neighborhood agents is important especially in Erie.
By using this short form, your insurance coverage information is emailed to insurance agents in Erie who will return price quotes for your auto insurance coverage. You won't even need to leave your computer because quoted prices will be sent to you instantly. It's the lowest rates and work with a local agent. If you have a need to quote rates for a specific company, just jump over to their website and fill out the quote form the provide.
If you want a local agent, it can be helpful to understand the different types of agencies that you can choose from. Agents in Erie are classified as either independent (non-exclusive) or exclusive.
Independent Auto Insurance Agencies or Brokers
Agents that elect to be independent can sell policies from many different companies so they have the ability to put coverage with any number of different companies and get you the best rates possible. To move your coverage to a new company, they can switch companies in-house which makes it simple for you.
When comparing rates, you will definitely want to include price quotes from a couple of independent agencies to ensure the widest selection of prices.
Below is a short list of independent agencies in Erie who may provide comparison quotes.
Loesel-Schaaf Insurance Agency
3537 W 12th St - Erie, PA 16505 - (814) 833-5433 - View Map
Exclusive agents can only quote rates from one company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to provide other company's prices so they have to upsell other benefits. Exclusive agents are well schooled on their company's products which helps them sell on service rather than price.
The following are Erie exclusive agents that are able to give price quotes.
Finding a good insurance agent requires more thought than just a cheap quote. The following questions are important to ask.
- Is there a Errors and Omissions policy in force?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How much can you save by raising your physical damage deductibles?
- If your car is in the repair shop, do you have coverage for a rental car?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- How long have they been in business?
Do I need special coverages?
Always keep in mind that when comparing insurance from an agent or online for your vehicles, there is no "perfect" insurance plan. Your situation is unique so this has to be addressed. For example, these questions can aid in determining if you would benefit from an agent's advice.
- Are rental cars covered under my policy?
- Does coverage extend to Mexico or Canada?
- Is business property covered if stolen from my car?
- What if an uninsured driver hits me?
- What if a claim settlement is too low?
- Can I rent a car in Mexico?
If you can't answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Coverages available on your policy
Knowing the specifics of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average auto insurance policy.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle's damage.
Due to the fact that many Pennsylvania drivers only purchase the least amount of liability that is required (which is 15/30/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.
This coverage will cover injuries or damage you cause to a person or their property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/5 which stand for $15,000 in coverage for each person's injuries, a total of $30,000 of bodily injury coverage per accident, and $5,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims like structural damage, repair costs for stationary objects, emergency aid, loss of income and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford. Pennsylvania requires minimum liability limits of 15/30/5 but drivers should carry more coverage.
Collision insurance will pay to fix damage to your Sonata 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 can pay for things such as scraping a guard rail, driving through your garage door, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible on your Sonata in order to get cheaper collision rates.
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, hail damage, hitting a bird and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage reimburse you for expenses like dental work, prosthetic devices, hospital visits and chiropractic care. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Compare but don't skimp
You just read many ideas to save on Hyundai Sonata insurance in Erie. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheaper Erie car insurance quotes. Drivers may even discover the best price on auto insurance is with some of the smallest insurance companies. Smaller companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive and GEICO.
Budget-friendly auto insurance in Erie can be bought from both online companies and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not provide online quoting and many times these smaller companies work with local independent agents.
- Auto Theft Statistics (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for a Honda CR-V in Pennsylvania? (FAQ)
- Who Has Cheap Auto Insurance Rates for 16 Year Olds in Pennsylvania? (FAQ)
- Who Has Cheap Car Insurance Rates for State Employees in Pennsylvania? (FAQ)
- Who Has Cheap Auto Insurance for Drivers with Good Credit in Pennsylvania? (FAQ)
- Airbag FAQ (iihs.org)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)