Did you come to the realization that you have high-priced Hyundai Sonata insurance in Savannah? Trust us, you're not the only one.

Insurance for Hyundai SonataShocking but true, the vast majority of drivers have bought car insurance from the same company for a minimum of four years, and roughly 40% of drivers have never quoted car insurance rates at all. Most drivers in Savannah could cut their rates by 60% a year, but they just feel it's too hard to shop their coverage around.

Online insurance companies like GEICO and Progressive continually bombard you with fancy advertisements and it is difficult to not get sucked in by the cute commercials and find the best price available.

It's smart to get comparison quotes once or twice a year since prices are usually higher with each renewal. Just because you found the lowest price on Hyundai Sonata insurance in Savannah a year ago you will most likely find a better rate quote today. You can find a lot of wrong information about Sonata insurance online, but you can learn some great ideas on how to buy car insurance cheaper in Savannah.

If you have a policy now, you will definitely be able to find better prices using the ideas presented in this article. Buying the cheapest car insurance in Savannah is actually quite easy if you know where to start. Nevertheless, Georgia drivers must understand how companies calculate your policy premium because it varies considerably.

When comparing car insurance rates, know that comparing more rates from different companies gives you a better chance of getting more affordable rates.

The auto insurance companies shown below are our best choices to provide free rate quotes in Savannah, GA. If several companies are displayed, we suggest you visit as many as you can in order to get a fair rate comparison.

Hyundai Sonata Insurance Estimates in Savannah, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $308 $562 $458 $28 $138 $1,494 $125
Sonata GLS 4-Dr Sedan $338 $612 $444 $26 $134 $1,554 $130
Sonata GLS 4-Dr Sedan $308 $562 $458 $28 $138 $1,494 $125
Sonata SE 4-Dr Sedan $212 $476 $502 $30 $150 $1,370 $114
Sonata SE 4-Dr Sedan $324 $814 $578 $34 $172 $1,922 $160
Sonata Limited 4-Dr Sedan $336 $694 $538 $32 $162 $1,762 $147
Sonata Limited 4-Dr Sedan $328 $706 $502 $30 $150 $1,716 $143
Get Your Own Custom Quote Go

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Table data does not factor in garaging location in Savannah which can influence coverage rates noticeably.

An analysis of deductible level

When buying auto insurance, a common question is at what level do you set your deductibles. The tables below outline how much more rates are between high and low deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Hyundai Sonata insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $338 $612 $444 $26 $134 $1,579 $132
Sonata GLS 4-Dr Sedan $338 $612 $444 $26 $134 $1,579 $132
Sonata GLS 4-Dr Sedan $338 $612 $444 $26 $134 $1,579 $132
Sonata SE 4-Dr Sedan $338 $720 $444 $26 $134 $1,687 $141
Sonata SE 4-Dr Sedan $338 $720 $444 $26 $134 $1,687 $141
Sonata Limited 4-Dr Sedan $382 $720 $444 $26 $134 $1,731 $144
Sonata Limited 4-Dr Sedan $382 $720 $444 $26 $134 $1,731 $144
Get Your Own Custom Quote Go
Hyundai Sonata insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $188 $322 $444 $26 $134 $1,114 $93
Sonata GLS 4-Dr Sedan $188 $322 $444 $26 $134 $1,114 $93
Sonata GLS 4-Dr Sedan $188 $322 $444 $26 $134 $1,114 $93
Sonata SE 4-Dr Sedan $188 $380 $444 $26 $134 $1,172 $98
Sonata SE 4-Dr Sedan $188 $380 $444 $26 $134 $1,172 $98
Sonata Limited 4-Dr Sedan $212 $380 $444 $26 $134 $1,196 $100
Sonata Limited 4-Dr Sedan $212 $380 $444 $26 $134 $1,196 $100
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific location which can raise or lower coverage rates substantially.

Using the data above, we can ascertain that using a $100 deductible will cost you about $42 more each month or $504 each year than choosing the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 21 months between claims, you would probably be better off by going with a higher deductible. Here's how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $138
Average monthly premium for $1,000 deductibles (subtract): - $96
Monthly savings from raising deductible: $42
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $42
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One thing to note is that increasing deductibles to lower your rates means you will have to pay more of your own money when you file a claim. You need some extra savings in the event you have to pay the deductible for vehicle repair.

Is there truth in advertising?

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads on television and other media. All the companies advertise claims that people will save if you change your coverage. Is it even possible that every company can lower your prices? This is the trick they use.

Many companies have specific guidelines for the type of driver that will be a good risk. One example of this type of risk profile might be described as a female over age 40, has no claims, and drives less than 10,000 miles a year. Anybody who fits those characteristics will get very good Savannah prices and most likely will save if they switch.

People who don't measure up to these criteria will get higher prices and this results in the customer buying from someone else. The ads say "customers that switch" not "everyone that quotes" save that much money. That is how companies can truthfully make claims that they all have the best auto insurance rates. Because of these techniques, you need to get price quotes at each policy renewal. It's just not possible to know with any certainty which company will provide the lowest Hyundai Sonata insurance in Savannah.

Choosing Hyundai Sonata insurance is an important decision

Even though Savannah Sonata insurance rates can get expensive, insurance is a good idea for several reasons.

First, just about all states have mandatory insurance requirements which means state laws require a specific level of liability if you drive a vehicle. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your car has a lienholder, most banks will require you to carry insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Hyundai at an extremely high rate and require you to pay a much higher amount than you were paying before.

Third, insurance protects both your assets and your car. It will also provide coverage for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of insuring your Sonata are without a doubt worth the cost, especially with large liability claims. Unknowingly, the average driver is currently overpaying as much as $750 every year so we recommend shopping around each time the policy renews to ensure rates are inline.

You may qualify for discounts for Hyundai Sonata insurance in Savannah

The cost of insuring your cars can be expensive, but there could be available discounts that may help make it more affordable. Certain discounts will be triggered automatically when you quote, but some need to be manually applied in order for you to get them.Save money with discounts

Please keep in mind that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, you won't be that lucky.

A few popular companies and their offered discounts include:

If you are trying to find affordable Savannah car insurance quotes, ask all the companies which discounts you qualify for. Some discounts might not be offered in Savannah. For a list of car insurance companies who offer cheap Hyundai Sonata insurance quotes in Savannah, click here to view.

Insurance agent or online?

Some people prefer to buy from a local agent and that is just fine! An additional benefit of comparing insurance online is you may find cheap rate quotes but still work with a licensed agent.

Find insurance agent in SavannahOnce you complete this quick form, your insurance data gets sent to insurance agents in Savannah who will give competitive quotes for your insurance coverage. You won't need to drive around since price quotes are sent to your email. It's the lowest rates without the usual hassles of price shopping. In the event you want to get a comparison quote from one company in particular, you can always navigate to their website and give them your coverage information.

Deciding on a provider shouldn't rely on just a cheap quote. Here are some questions you should ask.

Auto insurance coverages 101

Knowing the specifics of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on most auto insurance policies.

Collision insurance

Collision coverage pays for damage to your Sonata caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, damaging your car on a curb, crashing into a building and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible on your Sonata to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, hail damage, rock chips in glass and fire damage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Hyundai Sonata.

Since many Georgia drivers have only the minimum liability required by law (Georgia limits are 25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Auto liability insurance

This protects you from damages or injuries you inflict on other's property or people. It protects you against claims from other people. Liability doesn't cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like bail bonds, attorney fees, pain and suffering, funeral expenses and legal defense fees. How much liability should you purchase? That is your choice, but buy as much as you can afford. Georgia state law requires minimum liability limits of 25/50/25 but you should consider buying better liability coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses such as funeral costs, doctor visits, surgery and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Don't give up on affordable premiums

As you prepare to switch companies, don't be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced collision coverage only to regret that it was a big mistake. The aim is to buy enough coverage at an affordable rate while still protecting your assets.

You just read many ideas to reduce Hyundai Sonata insurance rates online in Savannah. The most important thing to understand is the more times you quote, the better likelihood of getting the cheapest Hyundai Sonata rate quotes. Consumers could even find that the lowest rates are with a company that doesn't do a lot of advertising. These companies can often provide lower car insurance rates in certain areas than their larger competitors like Allstate and Progressive.

Cost effective Hyundai Sonata insurance can be found on the web as well as from independent agents in Savannah, so get free Savannah car insurance quotes from both of them to have the best rate selection. Some companies don't offer rates over the internet and most of the time these smaller companies sell through independent insurance agencies.

More detailed insurance information is located at these sites: