Cheapest Insurance for a Hyundai Sonata in San Jose

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Insurance quote for Hyundai Sonata in San JoseIf saving the most money is your goal, then the best way to get discount Hyundai Sonata insurance is to do an annual price comparison from insurers who sell auto insurance in San Jose. Price quotes can be compared by completing these steps.

  • First, learn about auto insurance and the measures you can take to lower rates. Many policy risk factors that result in higher prices like getting speeding tickets and poor credit history can be controlled by improving your driving habits or financial responsibility.
  • Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes from many different companies.
  • Third, compare the new rates to your current policy to see if switching to a new carrier will save money. If you find better rates and change companies, ensure coverage does not lapse between policies.

One piece of advice is to try to compare the same coverage limits and deductibles on every quote request and and to get rates from as many companies as possible. This enables an accurate price comparison and a complete price analysis.

Astonishing but true according to a recent study, almost 70% of drivers have bought auto insurance from the same company for more than four years, and virtually 40% of consumers have never even compared rates from other companies. The average driver in San Jose could save about $470 each year just by comparing rates, but most just don't grasp how much money they would save if they replace their high priced policy.

Buying the cheapest car insurance in San Jose is really quite simple as long as you have a good starting point. If you currently have a car insurance policy, you will be able to shop for the lowest rates using these techniques. Shoppers just need to know the quickest way to compare prices online.

Hyundai Sonata Insurance Cost Factors

It's important that you understand the rating factors that come into play when calculating your auto insurance rates. If you have some idea of what influences your rates, this enables you to make decisions that could help you find better auto insurance rates.

The list below includes some of the major factors used by insurance companies to determine your premiums.

  • Is your car built for speed? - The performance of the car or truck you drive makes a huge difference in determining your rates. The most favorable rates are usually found on smaller low performance passenger vehicles, but the final cost of insurance is determined by many other factors.

    The following data uses these variables: married male driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares Hyundai Sonata rates compared to other makes and models that have different performances.

  • Avoid traffic tickets - Careful drivers have lower premiums as compared to careless drivers. Even one moving violation can increase the cost of insurance by as much as thirty percent. Drivers who get serious violations like DUI or reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive.

    The diagram below illustrates how speeding tickets and at-fault accidents increase Hyundai Sonata insurance rates for each age group. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

  • Long commutes cost more - The higher the miles on your Hyundai in a year's time the more you'll pay to insure your vehicle. A lot of companies calculate rates based on their usage. Cars and trucks left parked in the garage get more affordable rates compared to those used for work or business. Incorrect rating for your Sonata may be wasting your money. It's always a good idea to double check that your policy is rated on how each vehicle is driven, because improper ratings can cost you money.
  • Marriage is a good thing - Having a significant other actually saves money when buying auto insurance. It usually means you are less irresponsible and insurance companies like that married drivers tend to have fewer serious accidents.
  • Liability coverage preserves assets - Liability coverage will afford coverage if you are found liable for damages caused by your negligence. Liability provides you with a defense in court up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Add-on coverages are wasting money - Insurance companies have many extra add-on coverages that can add up if you don't pay attention. Coverages for rental car reimbursement, death and dismemberment, and membership fees are examples of these. These may sound like a good investment at first, but if you have no use for them eliminate the coverages to reduce your premium.
  • GPS tracking and theft deterrents systems cut rates - Selecting a car model with an alarm system can earn a premium discount. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent car theft and help bring rates down.
  • Hyundai Sonata insurance loss statistics - Insurance companies use data from past claims to calculate a rate that will offset losses. Vehicles that statistically have increased losses will have higher rates.

    The table below shows the insurance loss data used by companies for Hyundai Sonata vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, without regard to make or model, equals 100. Numbers shown that are under 100 suggest a better than average loss history, while percentage values above 100 indicate more frequent losses or tendency to have higher losses.

    Auto Insurance Loss Data for Hyundai Sonata Models
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Hyundai Sonata 129 88 101 138 149 110
    Hyundai Sonata Hybrid 142 116 119 124 138 121

    Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

How to compare Hyundai Sonata insurance price quotes in San Jose, CA

The providers in the list below have been selected to offer free quotes in San Jose, CA. If multiple providers are shown, we recommend you visit two to three different companies to get a more complete price comparison.

Rates and statistics

The premium information shown below outlines different prices for Hyundai Sonata models. Having insight into how car insurance premiums are determined helps drivers make smart choices when comparing insurance quotes.

Hyundai Sonata Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $214 $386 $470 $28 $140 $1,238 $103
Sonata GLS 4-Dr Sedan $214 $386 $470 $28 $140 $1,238 $103
Sonata GLS 4-Dr Sedan $214 $386 $470 $28 $140 $1,238 $103
Sonata SE 4-Dr Sedan $214 $454 $470 $28 $140 $1,306 $109
Sonata SE 4-Dr Sedan $214 $454 $470 $28 $140 $1,306 $109
Sonata Limited 4-Dr Sedan $242 $454 $470 $28 $140 $1,334 $111
Sonata Limited 4-Dr Sedan $242 $454 $470 $28 $140 $1,334 $111
Get Your Own Custom Quote Go

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in San Jose location which can raise or lower premiums substantially.

Insurance premiums based on gender

The example below illustrates the comparison of Hyundai Sonata auto insurance rates for male and female drivers. The premium estimates are based on no violations or claims, full coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Why you need quality insurance for your vehicle

Even though it can be expensive, paying for auto insurance is required for several reasons.

  • The majority of states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability insurance coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a loan on your vehicle, more than likely the lender will require you to have comprehensive coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Hyundai at a more expensive rate and force you to reimburse them much more than you were paying before.
  • Auto insurance protects both your assets and your Hyundai Sonata. It will also reimburse you for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay to defend you if you are sued as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to have it repaired.

The benefits of carrying adequate insurance outweigh the cost, especially for larger claims. Today the average American driver is wasting up to $855 a year so it's recommended you shop around at every policy renewal to make sure the price is not too high.

Cheap San Jose insurance rates with discounts

Car insurance companies don't always publicize all their discounts in a way that's easy to find, so the list below contains both the well known and the more hidden credits available to you.Save money with discounts

  • Buy New and Save - Buying insurance coverage on a new vehicle may earn a small discount since newer vehicles have better safety ratings.
  • Drive Less and Save - Driving less may allow you to get cheaper prices.
  • Distant Student Discount - College-age children who attend college more than 100 miles from San Jose without a vehicle on campus can be insured at a reduced rate.
  • Accident Free - Insureds who avoid accidents and claims can earn big discounts as compared to drivers who are more careless.
  • First Accident Forgiveness - This one is not really a discount per se, but some companies like Allstate and State Farm permit an accident before hitting you with a surcharge so long as you haven't had any claims prior to the accident.

We need to note that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think it's possible to get free car insurance, insurance companies wouldn't stay in business.

The diagram below illustrates the comparison of Hyundai Sonata car insurance costs with and without discounts applied. The data assumes a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, homeowner, marriage, and claim-free discounts applied.

Popular insurance companies and their offered discounts can be found below.

  • Progressive has discounts for online signing, good student, continuous coverage, online quote discount, multi-vehicle, and multi-policy.
  • Farmers Insurance offers discounts for mature driver, business and professional, pay in full, teen driver, distant student, and homeowner.
  • Farm Bureau offers discounts including good student, multi-policy, renewal discount, youthful driver, 55 and retired, and driver training.
  • State Farm discounts include defensive driving training, good student, passive restraint, driver's education, safe vehicle, and multiple policy.
  • GEICO may offer discounts for military active duty, multi-policy, good student, driver training, and anti-theft.
  • SAFECO includes discounts for bundle discounts, safe driver, multi-car, drive less, accident prevention training, anti-theft, and teen safety rewards.
  • Liberty Mutual offers premium reductions for hybrid vehicle, preferred payment discount, multi-car, newly married, and new move discount.

If you need inexpensive San Jose car insurance quotes, ask each insurance company how you can save money. Discounts might not be available to policyholders in every state. To find insurance companies with the best Hyundai Sonata insurance discounts in San Jose, click this link.

Local San Jose auto insurance agents

A lot of people prefer to talk to a local agent and that can be a smart move Licensed agents can help determine the best coverages and will help you if you have claims. One of the great benefits of price shopping on the web is that you can find lower rates and still choose a local agent.

Find insurance agent in San JoseTo help locate an agent, after submitting this form (opens in new window), the quote information is emailed to participating agents in San Jose who will return price quotes and help you find cheaper coverage. There is no need to contact an agency because quoted prices will be sent to you instantly. In the event you want to get a comparison quote from a specific company, you just need to find their quoting web page and fill out the quote form the provide.

Picking the best provider should include more criteria than just the quoted price. Before buying a policy in San Jose, get answers to these questions.

  • Is the agency covered by Errors and Omissions coverage?
  • Do they specialize in personal lines coverage in San Jose?
  • Is coverage determined by price?
  • How much will you save each year by using a higher deductible?
  • How much experience to they have in personal lines coverages?
  • Which companies can they place coverage with?

Below are San Jose insurers that may be able to provide price quote information for Hyundai Sonata insurance in San Jose.

1449 Park Ave #3 - San Jose, CA 95126 - (408) 295-0554 - View Map

1777 Hamilton Ave - San Jose, CA 95125 - (408) 979-8160 - View Map

1025 Lincoln Ave - San Jose, CA 95125 - (408) 267-4100 - View Map

1270 S Winchester Blvd #134 - San Jose, CA 95128 - (408) 260-3370 - View Map

More San Jose agents

When in doubt talk to an agent

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your financial needs are unique so your insurance needs to address that.Drive safe and save For example, these questions can help discover whether or not you might need professional guidance.

  • When should I drop full coverage on my Hyundai Sonata?
  • Will my Hyundai Sonata be repaired with OEM or aftermarket parts?
  • Do I benefit by insuring my home with the same company?
  • Do I need PIP coverage since I have good health insurance?
  • Is my Hyundai Sonata covered if I use it for business?
  • Do I need to file an SR-22 for a DUI in California?
  • Can my babysitter drive my car?
  • How do I insure my teen driver?

If you're not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

The best insurance company isn't always the cheapest

Discount Hyundai Sonata insurance in San Jose is possible online and also from your neighborhood San Jose agents, so you should compare both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get quotes online and these small insurance companies work with independent agents.

When trying to cut insurance costs, don't be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at the best possible price, but don't skip important coverages to save money.

We've covered many ways to save on Hyundai Sonata insurance in San Jose. It's most important to understand that the more companies you get premium rates for, the better chance you'll have of finding cheaper San Jose car insurance quotes. You may even find the lowest car insurance rates are with a lesser-known regional company. Some small companies may have significantly lower premium rates on certain market segments than their larger competitors like Allstate or State Farm.

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