How Much are Insurance Quotes for a Hyundai Sonata in Washington?

The likelihood of finding the cheapest coverage for a Hyundai Sonata in Washington is contingent on a large number of rating criteria such as age of the driver, your residence address, and citations on your driving record. Drivers will pay around $860 a year to insure a Sonata, but that policy rate is a ballpark figure using rate data for a 50-year-old married male who purchased full coverage and $250 deductibles.

There’s a high likelihood you are not a 50-year-old male, possibly single instead of married, and maybe you have sub-par credit that needs to be factored in. Every driver’s needs are different, and that is why the best way to find cheap car insurance rates for your Hyundai is to start the habit of comparing rates at least once a year. Quotes are always free and you will be able to see rates from some of the cheapest companies that offer coverage in Washington.

Find Cheaper Hyundai Sonata Insurance

Vehicle trim level will have an impact the cost of insurance, so the price you pay to insure a Sonata GLS 4-Dr Sedan trim level will be $80 cheaper than the price to insure the high end Sonata Limited 4-Dr Sedan version, as shown in the table below.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in zip code location which can change coverage prices noticeably.

Deciphering which companies offer the lowest-priced car insurance rates for a Hyundai Sonata involves a bit more effort in order to find the lowest price quote. Every insurance company has a unique approach for establishing rates, so we need to take a look at the overall cheapest car insurance companies in Washington.

It’s important to know that Washington car insurance rates are determined by lots of factors that will increase or decrease the price you pay. Simply turning a year older, moving across town, or getting a ticket for running a stop sign may generate price changes resulting in some rates now being cheaper than competitors.

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Capital quotes some of the most affordable car insurance rates in Washington at around $754 each year. Grange, Nationwide, PEMCO, and Travelers are also some of the lowest-priced Washington insurance companies.

As shown in the table above, if you are currently insured with Travelers and switched to Grange, you could earn savings of approxmiately $215. Washington drivers with The Hartford may save as much as $235 a year, and USAA insureds might see rate reductions of $237 a year.

Bear in mind that those premiums are averages for all ages of drivers and types of vehicles and do not take into consideration a specific rate factor for a Hyundai Sonata. So the company that fits your age and vehicle best may not even be shown in the list above. That’s why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Full coverage rates compared to liability only

Finding cheap insurance for a Hyundai Sonata in Washington should be important to most drivers, and a great way to save on the cost of insurance is to not buy comprehensive and collision coverage. The diagram below visualizes the comparison of yearly insurance costs when comparing full coverage to liability only. The premiums are based on a clean driving record, no claims, $250 deductibles, single marital status, and no policy discounts are applied.

Averaged for all ages 20 through 70, full coverage on your policy costs $2,073 per year more than insuring for liability only. A very common question is when is it a good idea to stop buying full coverage. There is no set guideline that is best for determining when to drop full coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

There are a few situations where eliminating full coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Who is cheaper: Allstate, Geico, Progressive, or State Farm?

If you’re looking for the best auto insurance, probably the best companies to start with are Allstate, Geico, Progressive, and State Farm. If you put them all together, they insure about 50% of the entire U.S. market share. The table below points out price and claims rank as well as some different options shoppers can expect to find with each one.

How to get cheap insurance for a Hyundai Sonata in Washington

The list below summarizes some thrifty ideas that can help drivers buy cheaper auto insurance.

• Safe vehicles cost less to insure
• Older vehicles may not need full coverage
• Discounts for being claim-free can be substantial
• Insure your home and auto with the same company
• Better credit rating means better rates
• Higher deductibles save money
• Compare prices as often as possible

That last idea is especially necessary, as we emphasized in this article. Auto insurance rates adjust often, so you should be ready to change to a new company if you can find a cheaper rate.

Being loyal to a particular company is commendable, but is isn’t recommended if that inflexibility results in costing you hundreds every year. In less than five minutes you could compare prices to find cheaper auto insurance for a Hyundai Sonata.

Cheap Hyundai Sonata insurance quotes

Due to technology, there are many ways to find lower-cost car insurance in Washington, but the three most common ways are through an independent or non-exclusive agent, an exlusive agent such as Liberty Mutual or Allstate, or direct from companies such as Geico or Progressive. All three ways can provide car insurance quotes, but buyers should know the differences in how they give price quotes.

Independent agents are appointed by several companies and can provide price quotes from all of them. They can provide you with more rates, which may provide you with a better chance of finding cheaper coverage. If they find a lower price, an independent agent can move your coverage and you don’t have to find a new agent.

Exclusive agents are contracted to one insurance company, for example an Allstate or State Farm agent. Exclusive agents cannot provide other companys’ prices, so they really need to provide good service.

Consumers who buy car insurance direct bypass either of the other two types of agents and buy direct from companies such as Esurance or Geico. Buying car insurance direct may be the best choice consumers who have fewer assets and have a decent understanding of the limitations of their policy.

Which method is best to find cheap insurance for a Hyundai Sonata in Washington? Most people would assume that buying direct yields the cheapest rates because you bypass the middleman, but that turns out to not be true. An argument could also be made that an independent agent saves the most money due to having more companies to select from, but that’s not always true, either. And occasionally, exclusive agents have coverage prices well below independent agents AND direct companies.

Because there are so many factors that make up car insurance rates, the only true way to find out which one is cheapest is to do a thorough rate comparison. To find the best rates, be sure to get rate quotes from all three to give yourself enough choices. For a list of companies offering online discounts in Washington, click here to view.