Cheap Insurance for a Hyundai Sonata in South Carolina

The chances of finding cheap insurance for a Hyundai Sonata in South Carolina relies on lots of different rating factors such as how old you are, the likelihood of vehicle theft, and whether or not you are a good driver. South Carolina drivers will pay around $850 per year to insure their Sonata, but that cost is an estimate rating a 40-year-old married male driver that included full physical damage coverage and $1,000 physical damage deductibles.

There’s a high likelihood you are not exactly 40 years old and possibly not even male, you might be single instead of married, or maybe you need higher liability limits than the state minimum. What appears to be a small change in rating criteria can precipitate large changes in the coverage rate.

Every policy is rated specifically for the driver, so your best chance at finding the cheapest insurance price for your Hyundai is to make a habit of comparing rates at every renewal. Quotes are free and easy and you can get rates from the cheapest companies in South Carolina.

Insure Your Hyundai for Less

Your vehicle’s trim level will influence the coverage cost, so the price you will be charged to insure a Sonata GLS 4-Dr Sedan model will be $64 less expensive the price to insure the high end Sonata Limited 4-Dr Sedan version, as shown by the rates below.

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in specific garaging location which can modify price quotes noticeably.

Figuring out which company quotes the most affordable auto insurance rates for a Hyundai Sonata may require more work in order to find a policy that fits your budget. Every auto insurer uses a slightly different approach to establish rates, so we need to take a look at the auto insurance companies that tend to be cheaper in South Carolina.

Compare Cheap Insurance Quotes for Your Sonata

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The Hartford quotes some of the best car insurance rates in South Carolina at around $752 per year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual are also some of the lowest-priced South Carolina auto insurance companies.

As shown above, if you currently have coverage with Auto-Owners and switched to USAA, you could realize a yearly price reduction of in the neighborhood of $126. Drivers with SC Farm Bureau Mutual might save as much as $245 a year, and Southern Farm Bureau customers might cut rates by $271 a year.

Bear in mind that those policy prices are averaged for all types of drivers and the different vehicles they drive and do not factor in a specific rate value for a Hyundai Sonata. So the company that fits your age and vehicle best may not even be included in the above rate chart. That helps illustrate why you need to compare as many prices as possible using your own driver information and specific vehicle type.

The example below illustrates how your deductible choice can impact insurance prices when trying to find cheap insurance for a Hyundai Sonata. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

The chart above illustrates that a 30-year-old driver could reduce rates by $370 a year by changing from a $100 deductible up to a $500 deductible, or save $558 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could possibly save $824 each year by choosing a larger deductible amount.

If you do decide to increase your deductibles, it is necessary to have plenty of money set aside to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Is the best company Progressive, State Farm, Allstate, or Geico?

If you want the best insurance for a Sonata in South Carolina, four companies to definitely compare rates with are Progressive, State Farm, Allstate, and Geico. The following table illustrates ratings for price and service, as well as some optional coverages that may be available in South Carolina.

Cheap Hyundai Sonata insurance quotes

Thanks to technology, drivers have a lot of ways to shop around for auto insurance in South Carolina, but the most prevalent are through an exclusive insurance agent such as Liberty Mutual or Allstate, an independent insurance agent, or direct from companies such as Progressive or Geico.

Each way has the same basic steps, but buyers should know the differences in how they give price quotes.

Independent agencies work for many companies and can get rate quotes from every one. Independent agents are not employed by one specific company and can quote rates with many companies, which may provide you with improved chances of finding a lower rate. If your agent finds better pricing, it’s simple to move the policy and you won’t have to switch agencies.

Exclusive agents are ‘exlusive’ to just one company such as an Auto-Owners or Allstate agent. Exclusive agents normally do not have the ability to quote prices from more than just one company, so if rates are not competitive, they cannot give other choices.

The third way to buy auto insurance is direct which means you skip the middleman (the agent) and buy buying direct from a company like Geico or Progressive. Shopping direct can be a good choice for consumers who do not need complex risk management and know more than average about the limitations of their policy.

So which one of the three ways works best to buy cheap insurance for a Hyundai Sonata in South Carolina? The majority of auto insurance shoppers assume that buying direct saves money because there are no middleman commissions, but that is generally not the case. It could also be said an independent agency results in the cheapest rates since there are more companies to choose from, but that assumption is not true either. In a lot of cases, exclusive agencies have price quotes that cannot be beaten by either independent or direct companies.

Since auto insurance prices are based on many different factors, the only true way to buy the cheapest coverage is to compare lots of quotes. If you want to save money, get prices from all three to have a good selection of rates to choose from. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

How to find budget-friendly insurance for a Hyundai Sonata

The list below details some of the better thrifty ideas that can help drivers find cheaper auto insurance.

• Buying your home and auto policies from the same company can earn a discount
• On older vehicles, drop full coverage
• Remain accident-free and save
• Pay lower rates with good credit
• Drive safe vehicles
• Shop around once a year for cheaper rates

That last piece of advice is incredibly vital, as was discussed in this piece. Prices charged by auto insurers can change significantly in a year, so don’t hesitate to change to a new company if you can save money. Many consumers stick with the same company and that’s fine, but it’s not recommended if that faithfulness ends up costing you a wad of cash every year. It only takes a couple minutes to compare rates to find cheaper car insurance for a Hyundai Sonata.