If you want to save the most money, the best way to get the cheapest Hyundai Sonata insurance is to do an annual price comparison from companies who provide car insurance in Nashville.
- First, spend a few minutes and learn about individual coverages and the things you can change to drop your rates. Many policy risk factors that cause rate increases like at-fault accidents and a bad credit score can be remedied by making lifestyle changes or driving safer.
- Second, compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO and Allstate, while independent agents can provide rate quotes from many different companies.
- Third, compare the new rates to the price on your current policy to see if cheaper Sonata coverage is available in Nashville. If you can save some money and make a switch, make sure coverage does not lapse between policies.
A crucial key to this process is that you use the same liability limits and deductibles on every price quote and and to get price quotes from as many carriers as you can. Doing this guarantees a fair price comparison and and a good selection of different prices.
Astonishing but true, the majority of drivers renewed their policy with the same company for a minimum of four years, and about 40% of consumers have never even compared quotes to find lower-cost rates. Many drivers in the United States could cut their rates by $860 a year just by shopping around, but most undervalue the actual amount they would save if they bought a different policy.
Locating the most cost-effective insurance policy in Nashville is actually quite easy if you know where to start. If you are already insured or just want cheaper coverage, take advantage of these tips to shop for the lowest rates without reducing protection. You just need to know the most effective way to get comparison rates using one simple form.
Low cost Hyundai Sonata insurance prices in Nashville
The companies shown below are ready to provide price comparisons in Tennessee. To buy cheap car insurance in TN, it’s a good idea that you compare several of them to get a more complete price comparison.
Hyundai Sonata insurance charts and tables
The premium table displayed below showcases detailed analysis of insurance policy prices for Hyundai Sonata models. Understanding more about how prices are determined can be of help when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $238 | $508 | $424 | $26 | $126 | $1,322 | $110 |
| Sonata GLS 4-Dr Sedan | $238 | $508 | $424 | $26 | $126 | $1,322 | $110 |
| Sonata GLS 4-Dr Sedan | $238 | $508 | $424 | $26 | $126 | $1,322 | $110 |
| Sonata SE 4-Dr Sedan | $238 | $598 | $424 | $26 | $126 | $1,412 | $118 |
| Sonata SE 4-Dr Sedan | $238 | $598 | $424 | $26 | $126 | $1,412 | $118 |
| Sonata Limited 4-Dr Sedan | $270 | $598 | $424 | $26 | $126 | $1,444 | $120 |
| Sonata Limited 4-Dr Sedan | $270 | $598 | $424 | $26 | $126 | $1,444 | $120 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price information does not factor in specific zip code location which can increase or decrease coverage rates considerably.
How high should deductibles be?
One of the hardest decisions when shopping for car insurance is which deductible level should you buy. The rates shown below may help to illustrate the rate difference when you choose different insurance deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $224 | $376 | $326 | $20 | $98 | $1,069 | $89 |
| Sonata GLS 4-Dr Sedan | $224 | $376 | $326 | $20 | $98 | $1,069 | $89 |
| Sonata GLS 4-Dr Sedan | $224 | $376 | $326 | $20 | $98 | $1,069 | $89 |
| Sonata SE 4-Dr Sedan | $224 | $444 | $326 | $20 | $98 | $1,137 | $95 |
| Sonata SE 4-Dr Sedan | $224 | $444 | $326 | $20 | $98 | $1,137 | $95 |
| Sonata Limited 4-Dr Sedan | $252 | $444 | $326 | $20 | $98 | $1,165 | $97 |
| Sonata Limited 4-Dr Sedan | $252 | $444 | $326 | $20 | $98 | $1,165 | $97 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $138 | $236 | $326 | $20 | $98 | $818 | $68 |
| Sonata GLS 4-Dr Sedan | $138 | $236 | $326 | $20 | $98 | $818 | $68 |
| Sonata GLS 4-Dr Sedan | $138 | $236 | $326 | $20 | $98 | $818 | $68 |
| Sonata SE 4-Dr Sedan | $138 | $278 | $326 | $20 | $98 | $860 | $72 |
| Sonata SE 4-Dr Sedan | $138 | $278 | $326 | $20 | $98 | $860 | $72 |
| Sonata Limited 4-Dr Sedan | $156 | $278 | $326 | $20 | $98 | $878 | $73 |
| Sonata Limited 4-Dr Sedan | $156 | $278 | $326 | $20 | $98 | $878 | $73 |
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in specific location information which can revise premium rates substantially.
Using the data above, we can ascertain that using a $250 deductible will cost you approximately $22 more each month or $264 a year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 34 months between claim filings, you would save money if you decide on a higher deductible.
Violations and accidents raise rates
The example below illustrates how traffic citations and fender-benders can increase Hyundai Sonata insurance premiums for different ages of insureds. Data assumes a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
Auto insurance does more than just protect your car
Despite the high cost, insurance serves several important purposes.
- Almost all states have minimum liability requirements which means you are required to carry a minimum amount of liability in order to drive the car legally. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you bought your Sonata with a loan, almost every bank will make it mandatory that you have full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Hyundai for a much higher rate and require you to fork over for it.
- Insurance safeguards both your Hyundai and your assets. Insurance will also pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance outweigh the cost, especially when you need to use it. As of last year, the average driver in Tennessee is overpaying over $865 each year so smart consumers compare quotes every year to help ensure money is not being wasted.
Which policy gives me the best coverage?
When quoting and comparing insurance from an agent or online for your vehicles, there is no one-size-fits-all type of policy. Everyone’s situation is unique so your insurance needs to address that.
These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.
- Is my babysitter covered when using my vehicle?
- Am I covered if I break a side mirror?
- How much underlying liability do I need for an umbrella policy?
- Should I buy more coverage than the required Tennessee minimum liability coverage?
- Is my teen driver covered when they drive my company car?
- Can I make deliveries for my home business?
- Is other people’s property covered if stolen from my vehicle?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Car insurance coverage information
Learning about specific coverages of auto insurance can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by auto insurance companies.
Comprehensive coverages – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hitting a bird, theft, falling objects and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Hyundai Sonata.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/15 in Tennessee), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses for things like chiropractic care, EMT expenses, rehabilitation expenses, dental work and pain medications. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Coverage for liability – This protects you from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/15 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $15,000 for damage to vehicles and property.
Liability coverage pays for things such as funeral expenses, pain and suffering and attorney fees. How much coverage you buy is a personal decision, but you should buy as much as you can afford. Tennessee requires drivers to carry at least 25/50/15 but you should think about purchasing more liability than the minimum.
The chart below shows why buying low liability limits may not be adequate.
Collision – Collision coverage pays for damage to your Sonata caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like sustaining damage from a pot hole, scraping a guard rail, backing into a parked car, rolling your car and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible on your Sonata to bring the cost down.
Cheaper insurance is a realistic goal
We just showed you many tips how you can compare Hyundai Sonata insurance premium rates in Nashville. The key concept to understand is the more rate quotes you have, the better likelihood of getting cheaper Nashville car insurance quotes. You may even discover the best premium rates are with some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as Allstate and Progressive.
As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. In many instances, someone dropped comprehensive coverage or liability limits only to discover later that it was a big mistake. Your goal is to buy enough coverage for the lowest cost.
A few companies may not have price quotes online and usually these small, regional companies work with local independent agencies. Budget-conscious Hyundai Sonata insurance can be bought from both online companies and with local Nashville insurance agents, so you should compare both to have the best rate selection.
More information can be found at these links:
- Information for Teen Drivers (GEICO)
- How Much are Car Insurance Quotes for Handicapped Drivers in Nashville? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Infrequent Drivers in Nashville? (FAQ)
- What is the Cheapest Auto Insurance in Nashville, Tennessee? (FAQ)
- How Much are Car Insurance Rates for Retired Military in Nashville? (FAQ)
- What Car Insurance is Cheapest for a Ford Escape in Nashville? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Male in Nashville? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- Comprehensive Coverage (Liberty Mutual)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Vehicle Size and Weight FAQ (iihs.org)