Save Money on Hyundai Sonata Insurance in Cincinnati

It goes without saying that auto insurance companies don’t want you shop around. People who shop around at least once a year are likely to switch to a new company because they stand a good chance of getting low-cost coverage. A recent study showed that people who regularly compared price quotes saved approximately $865 annually compared to people who never shopped around for cheaper prices.

If finding low prices for car insurance in Cincinnati is the reason you’re reading this, learning how to quote prices and compare insurance can make it easier to find better rates.

Discount Hyundai Sonata insuranceThe best way to get cheaper Hyundai Sonata insurance is to do a yearly price comparison from companies who can sell car insurance in Cincinnati. Prices can be compared by following these guidelines.

The most important part of shopping around is to try to use identical deductibles and limits on each quote and to quote with as many different insurance providers as possible. This provides a fair rate comparison and a complete price analysis.

To find the best auto insurance rates, there are several ways to compare rate quotes from many available auto insurance companies in Ohio. The simplest method to lower the rate you pay for insurance consists of shopping online.

Comparison shopping price quotes online is easy and it makes it a waste of time to spend your day driving to all the different Cincinnati insurance agencies. Comparing Hyundai Sonata insurance rates online eliminates this option unless you’re the type of person who wants the professional assistance that only an agent can give. Although, it is possible find lower rates online but have your policy serviced through an agent.

When quoting auto insurance, remember that obtaining a wide range of quotes will enable you to find a lower rate than you’re paying now.

The companies shown below have been selected to offer price comparisons in Ohio. If you wish to find the best cheap auto insurance in Cincinnati, OH, we recommend you visit several of them to find the lowest auto insurance rates.

Why you need auto insurance

Even though it can be expensive, auto insurance is required by state law in Ohio and it also provides benefits you may not be aware of.

The benefits of buying auto insurance more than cancel out the cost, especially with large liability claims. An average driver in America overpays more than $865 each year so it’s very important to do a rate comparison at every renewal to make sure the price is not too high.

Rates and detailed analysis

The premium information displayed next showcases estimates of insurance rates for Hyundai Sonata models. Being able to understand how insurance policy rates are figured can help you make informed coverage decisions.

Hyundai Sonata Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $106 $182 $262 $16 $78 $644 $54
Sonata GLS 4-Dr Sedan $106 $182 $262 $16 $78 $644 $54
Sonata GLS 4-Dr Sedan $106 $182 $262 $16 $78 $644 $54
Sonata SE 4-Dr Sedan $106 $214 $262 $16 $78 $676 $56
Sonata SE 4-Dr Sedan $106 $214 $262 $16 $78 $676 $56
Sonata Limited 4-Dr Sedan $118 $214 $262 $16 $78 $688 $57
Sonata Limited 4-Dr Sedan $118 $214 $262 $16 $78 $688 $57
Get Your Own Custom Quote Go

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Prices do not factor in specific Cincinnati garaging location which can decrease or increase insurance rates significantly.

Reckless driving habits raise Cincinnati auto insurance rates

The chart below highlights how speeding tickets and accident claims can increase Hyundai Sonata yearly insurance costs for different age categories. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

Difference between full coverage and liability only rates

The information below visualizes the comparison of Hyundai Sonata car insurance rates when comparing full coverage to liability only. The premium estimates are based on no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

When to drop full coverage

There is no clear-cut formula of when to drop physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s say your Hyundai Sonata settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $5,000 after paying the physical damage deductible. If you are paying over $500 annually for full coverage, then you might consider buying liability only.

There are a few situations where buying only liability insurance is not financially feasible. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

These discounts can cut Hyundai Sonata insurance rates

Car insurance companies don’t list every available discount in an easy-to-find place, so the following is a list of a few of the more common as well as the least known discounts that you may qualify for.Insurance discounts

Don’t be surprised that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, nobody gets a free ride.

The example below shows the comparison of Hyundai Sonata auto insurance costs with and without policy discounts. The rate quotes are based on a male driver, no claims, a clean driving record, Ohio state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, safe-driver, multi-car, and marriage discounts applied.

Companies that have some of the discounts shown above may include but are not limited to:

Double check with every company what discounts are available to you. Savings might not be offered on policies in your state. To locate insurance companies who offer cheap Hyundai Sonata insurance quotes in Ohio, click here.