Do you get exhausted from sacrificing other expenses to pay high car insurance rates every month? You are no different than millions of other people.
Unbelievable but true, 70% of consumers kept buying from the same company for well over three years, and almost half have never even compared rates from other companies. The average driver in Washington could save as much as $400 a year, but they don't want to spend time to compare rate quotes.
Companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with fancy advertisements and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal.
It's a great practice to get comparison quotes periodically since insurance prices fluctuate regularly. Despite the fact that you may have had the best price on Hyundai Sonata insurance in Tacoma a year ago you will most likely find a better rate today. Forget all the misinformation about car insurance because you're about to learn how to quote online to lower your annual insurance bill.
If you have car insurance now, you stand a good chance to be able to lower your rates using the ideas you're about to read. Finding affordable car insurance coverage in Tacoma can initially seem challenging. Although Washington car owners can benefit by having an understanding of how big insurance companies determine prices.
Low-cost Hyundai insurance prices in Tacoma
The companies shown below have been selected to offer price comparisons in Washington. If more than one company is shown, we suggest you compare several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sonata GLS 4-Dr Sedan||$176||$318||$314||$18||$94||$920||$77|
|Sonata GLS 4-Dr Sedan||$196||$396||$376||$22||$112||$1,102||$92|
|Sonata GLS 4-Dr Sedan||$218||$472||$376||$22||$112||$1,200||$100|
|Sonata SE 4-Dr Sedan||$230||$496||$344||$20||$102||$1,192||$99|
|Sonata SE 4-Dr Sedan||$218||$512||$434||$26||$130||$1,320||$110|
|Sonata Limited 4-Dr Sedan||$222||$466||$376||$22||$112||$1,198||$100|
|Sonata Limited 4-Dr Sedan||$294||$452||$436||$26||$130||$1,338||$112|
|Get Your Own Custom Quote Go|
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price information does not factor in specific Tacoma garaging location which can decrease or increase prices noticeably.
Insurance rate increases from tickets or accidents
The illustration below illustrates how traffic citations and at-fault accidents can drive up Hyundai Sonata insurance costs for different ages of insureds. The rates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
Get cheaper Hyundai Sonata insurance rates in Tacoma
Insuring your fleet can be pricey, but there's a good chance there are discounts to cut the cost considerably. Many of these discounts will be applied automatically when you purchase, but a few need to be asked about before they will apply.
- Senior Discount - Drivers that qualify as senior citizens may be able to get a discount up to 10%.
- Theft Deterrent - Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your Tacoma car insurance quote.
- College Student - Youth drivers who live away from home to go to college and do not have a car can be insured at a reduced rate.
- No Charge for an Accident - This isn't a discount exactly, but a handful of insurance companies will forgive one accident without the usual rate increase so long as you haven't had any claims for a specific time period.
- Savings for New Vehicles - Insuring a vehicle that is new is cheaper compared to insuring an older model.
- Service Members Pay Less - Being on active duty in the military could be rewarded with lower premium rates.
Don't be surprised that most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you aren't that lucky.
Some of the larger companies that may offer these discounts possibly include:
When quoting, ask each insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be offered on policies in Tacoma. If you would like to view providers with discount auto insurance rates in Washington, follow this link.
Hyundai Sonata Insurance Rate Factors
It's important that you understand some of the things that come into play when calculating your premiums. If you know what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower car insurance prices.
Extra coverages may be wasting money - There are a lot of additional extra coverages that you can buy if you don't pay attention. Coverages for rental car coverage, towing, and additional equipment coverage are examples of these. They may sound like good ideas when talking to your agent, but now you might not need them so get rid of them and save.
Don't cancel your car insurance without a new one in place - Driving without insurance is against the law and as a result your rates will increase for letting your insurance lapse for non-payment. In addition to paying higher premiums, not being able to provide proof of insurance will get you a steep fine or even jail time.
Lower car insurance rates by staying claim free - If you tend to file frequent claims, you can definitely plan on higher premiums or even policy non-renewal. Insurance companies in Washington provide the lowest premiums to people who do not rely on their insurance for small claims. Your car insurance is designed for the large, substantial claims.
Five star IIHS safety rating saves money - Cars with five star safety ratings tend to have better insurance rates. Highly rated vehicles reduce the chance of injuries and fewer injuries means less claims paid passed on to you as lower rates. If your Hyundai Sonata has at least four stars on Safercar.gov it may be receiving lower rates.
Big cities have higher prices - Residing in a small town is a positive aspect when it comes to car insurance. Residents of big cities have to deal with more auto accidents and more severe claims. Fewer drivers on the road means fewer accidents in addition to fewer liability claims.
Insurance loss data for Hyundai Sonata vehicles - Companies analyze historical claim data as a tool for profitable underwriting. Vehicles that the data determines to have higher claim frequency or loss amount will cost more to insure. The next table illustrates the insurance loss data for Hyundai Sonata vehicles.
For each coverage type, the claim probability for all vehicles, as an average, equals 100. Percentage numbers below 100 suggest a better than average loss history, while percentage values above 100 point to more losses or an increased chance of larger losses than average.
Hyundai Sonata Insurance Loss Statistics
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Hyundai Sonata Hybrid||142||116||119||124||138||121|
Statistics from IIHS.org for 2013-2015 Model Years
Everyone needs different car insurance coverages
When choosing a policy, there isn't really a one-size-fits-all type of policy. Each situation is unique.
For instance, these questions might help in determining whether or not you might need professional guidance.
- Should I have combined single limit or split liability limits?
- Does my policy cover me when driving someone else's vehicle?
- Is my state a no-fault state?
- Do I have coverage if I rent a car in Mexico?
- Can I still get insurance after a DUI?
- Is there coverage for injuries to my pets?
If you're not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form.
Independent and exclusive insurance agencies
Many people prefer to buy from a local agent and doing that can be a smart decision A good thing about comparing insurance prices online is the fact that drivers can get the best rates but still work with a licensed agent. Buying insurance from neighborhood agents is definitely important in Tacoma.
After completing this simple form, your insurance data is immediately sent to agents in your area who will give you quotes to get your business. It's much easier because you don't need to search for any insurance agencies since price quotes are sent to the email address you provide. You can most likely find cheaper rates without requiring a lot of work. If you have a need to get a price quote from a specific company, you just need to go to their quote page and fill out the quote form the provide.
Pick the best auto insurance agent in Tacoma for you
If you're trying to find a local agent, there are two different types of agencies from which to choose. Insurance agencies in Tacoma are considered either independent or exclusive.
Agents in the independent channel are not limited to a single company and that enables them to quote your coverage amongst many companies and find the cheapest car insurance rates. If you want to switch companies, your policy is moved internally and you won't have to switch agencies. When comparing car insurance rates, you will definitely want to include rate quotes from a few independent agents so that you have a good selection of quotes to compare.
Listed below is a small list of independent agencies in Tacoma who may provide rate quotes.
Exclusive Car Insurance Agencies
Agents that choose to be exclusive normally can only provide a single company's rates such as State Farm, Allstate and AAA. Exclusive agents are unable to place coverage with different providers so if the price isn't competitive there isn't much they can do. These agents are usually well trained on their company's products and that enables them to sell even at higher rates.
Shown below are exclusive agencies in Tacoma that are able to give price quote information.
Picking the best car insurance agent needs to be determined by more than just a cheap price. Before buying a policy in Tacoma, get answers to these questions.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Which companies do they recommend if they are an independent agency?
- Will high miles depreciate repair valuations?
- Are they paid to recommend certain coverages?
- Can you use your own choice of collision repair facility?
- Does the company have a solid financial rating?
- Do they regularly work with personal auto policies in Tacoma?
- Are there any discounts that you might be missing?
After talking to the agent and getting satisfactory answers to all your questions and locked in a price quote, you may have just found an auto insurance agent that will provide car insurance coverage. It's important to know that you are entitled to terminate your policy at any point so don't assume you're contractually obligated to a policy for a certain time period.
What is YOUR best insurance company?
As you restructure your insurance plan, it's very important that you do not buy poor coverage just to save money. There have been many cases where drivers have reduced uninsured motorist or liability limits only to find out that it was a big error on their part. The ultimate goal is to find the BEST coverage at an affordable rate, not the least amount of coverage.
We just presented many tips how you can reduce Hyundai Sonata insurance prices online in Tacoma. It's most important to understand that the more companies you get rates for, the higher your chance of finding inexpensive Tacoma car insurance quotes. Consumers could even find that the lowest prices come from a smaller regional carrier.
Cheap Hyundai Sonata insurance in Tacoma is available online and from local agencies, and you need to price shop both to have the best selection. Some companies may not provide online rate quotes and many times these smaller companies work with independent insurance agents.
- Bodily Injury Coverage (Liberty Mutual)
- Who Has Affordable Washington Auto Insurance for Lyft Drivers? (FAQ)
- What Auto Insurance is Cheapest in Everett, Washington? (FAQ)
- Who Has Affordable Auto Insurance for Real Estate Agents in Washington? (FAQ)
- What Car Insurance is Cheapest for Low Credit Scores in Washington? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Credit Impacts Car Insurance Rates (State Farm)