Compare Hyundai Sonata Insurance Rates in Toledo

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Are you kicking yourself for buying overpriced Hyundai Sonata insurance in Toledo? Say no more because many Toledo drivers have buyer's remorse.

Discount Hyundai Sonata insuranceStatistics show that over 70% of Ohio drivers have remained with the same car insurance company for over three years, and 38% of drivers have never quoted car insurance rates at all. Many drivers in America could save themselves as much as $859 a year, but they just don't understand the large savings they would see if they switched to a cheaper policy.

Steps to quoting cheaper Hyundai Sonata insurance in Toledo

If saving money is your primary concern, then the best way to find low-cost Hyundai Sonata insurance in Toledo is to compare quotes annually from insurers in Ohio.

  1. Read and learn about the different coverages in a policy and the things you can control to prevent rate increases. Many rating criteria that result in higher prices such as tickets, at-fault accidents, and poor credit history can be rectified by making lifestyle changes or driving safer.
  2. Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can provide rate quotes for a wide range of companies. Compare rates now
  3. Compare the new rate quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and switch companies, make sure there is no lapse in coverage.

The most important part of this process is that you'll want to compare similar deductibles and liability limits on every quote request and and to get prices from as many auto insurance providers as possible. Doing this enables a level playing field and maximum price selection.

You have multiple car insurance companies to insure vehicles with, and even though it's nice to have a choice, more choices can make it harder to compare rates for Hyundai Sonata insurance in Toledo.

Buying the lowest cost auto insurance policy in Toledo is not as time-consuming as you think. Practically each driver who wants cheaper auto insurance stands a good chance to be able to lower their premiums. Although Ohio drivers do need to learn how the larger insurance companies determine premium rates and apply this information to your search.

How Your Sonata Insurance Premiums are Determined

Part of the car insurance buying process is learning the rating factors that come into play when calculating your car insurance rates. When consumers understand what determines base rates, this allows you to make educated decisions that can help you get cheaper rates.

Rental and towing coverage may not be needed - Insurance policies have a lot of additional coverages you can purchase if you don't pay attention. Insurance for vanishing deductibles, high-cost glass coverage, and motor club memberships could be just wasting money. They may sound like good ideas when buying your policy, but your money might be better spent on other coverage so get rid of them and save.

Low physical damage deductibles mean high rates - Coverage for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. A few examples of covered claims are a broken windshield, hitting a deer, and burglary. Comp and collision deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The higher the amount the insured is willing to pay, the better rate you will receive.

Premiums impacted by your city - Residing in less populated areas of the country has definite advantages when shopping for auto insurance. Lower population corresponds to lower accident rates and a lower car theft rate. People in densely populated areas have to deal with more aggressive driving styles and a longer drive to work. Longer commute distances means more chances of being involved in an auto accident.

Liability coverage is critical - A critical coverage on your policy, liability insurance kicks in if you are determined to be liable for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost a lot. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.

Hyundai Sonata insurance loss data - Companies include the past claim trends for vehicles in order to profitably underwrite each model. Vehicles that the data shows to have higher prevalence or dollar amount of losses will cost more for coverage.

The next table shows the historical loss data for Hyundai Sonata vehicles. For each coverage category, the claim probability for all vehicles, regardless of make, model or trim level, is considered to be 100. Values that are 100 or less represent a good loss history, while values that are above 100 indicate more frequent losses or a tendency for claims to be larger.

Hyundai Sonata Insurance Loss Statistics
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
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Facts and figures for Hyundai Sonata insurance

The premium information shown below outlines a range of insurance costs for Hyundai Sonata models. Having a good understanding how car insurance prices are established is important to be able to make smart choices when buying a policy.

Hyundai Sonata Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $136 $270 $334 $20 $100 $860 $72
Sonata GLS 4-Dr Sedan $136 $270 $334 $20 $100 $860 $72
Sonata GLS 4-Dr Sedan $136 $270 $334 $20 $100 $860 $72
Sonata SE 4-Dr Sedan $136 $318 $334 $20 $100 $908 $76
Sonata SE 4-Dr Sedan $136 $318 $334 $20 $100 $908 $76
Sonata Limited 4-Dr Sedan $154 $318 $334 $20 $100 $926 $77
Sonata Limited 4-Dr Sedan $154 $318 $334 $20 $100 $926 $77
Get Your Own Custom Quote Go

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in zip code location which can impact price quotes significantly.

The information below highlights how deductible selection and can raise or lower Hyundai Sonata yearly insurance costs for different ages of insureds. The premiums are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.

Careless drivers pay higher rates

The example below highlights how speeding tickets and fender-benders can influence Hyundai Sonata car insurance costs for each different age group. The rate quotes are based on a married female driver, full coverage, $250 deductibles, and no other discounts are factored in.

Toledo insurance discounts for a Hyundai Sonata

Insurance can be prohibitively expensive, but you can get discounts that can help lower your rates. Certain reductions will be credited when you get a quote, but once in a while a discount must be asked for before they will apply.Save money with discounts

  • Braking Control Discount - Cars and trucks equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
  • Save with a New Car - Insuring a new Sonata can cost up to 25% less since newer vehicles have better safety ratings.
  • Theft Prevention System - Vehicles that have factory alarm systems and tracking devices help deter theft and will save you 10% or more on Sonata insurance in Toledo.
  • Accident Waiver - Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident before your rates go up if you are claim-free prior to the accident.
  • Military Rewards - Being on active deployment in the military could be rewarded with lower auto insurance rates.
  • Federal Government Employee - Active or retired federal employment may qualify for a discount when you quote Toledo car insurance depending on your company.
  • Early Renewal Discounts - Some larger companies give discounts for switching companies prior to your current Sonata insurance policy expiring. It could save around 10% when you buy Toledo car insurance online.

While discounts sound great, it's important to understand that some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think all the discounts add up to a free policy, it's just not the way it works. But all discounts will positively reduce the cost of coverage.

The illustration below shows the difference between Hyundai Sonata yearly insurance costs with and without discounts applied to the policy premium. The data assumes a female driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, homeowner, marriage, and safe-driver discounts applied.

A list of companies and a selection of discounts can be read below.

  • GEICO offers discounts for defensive driver, daytime running lights, multi-policy, emergency military deployment, and military active duty.
  • SAFECO policyholders can earn discounts including anti-lock brakes, safe driver, anti-theft, teen safety rewards, teen safe driver, and bundle discounts.
  • State Farm includes discounts for passive restraint, multiple autos, safe vehicle, accident-free, good student, good driver, and Drive Safe & Save.
  • MetLife may offer discounts for claim-free, multi-policy, good student, accident-free, good driver, defensive driver
  • 21st Century has savings for automatic seat belts, anti-lock brakes, theft prevention, good student, early bird, and student driver.
  • Progressive discounts include homeowner, continuous coverage, multi-policy, online quote discount, online signing, good student, and multi-vehicle.

When getting a coverage quote, ask each company which discounts you may be entitled to. Some discounts might not apply everywhere. If you would like to view companies with discount rates in Ohio, click here to view.

Best auto insurance in Ohio

Choosing a highly-rated car insurance company is hard considering how many different companies there are to choose from in Ohio. The rank data below could help you decide which auto insurance companies to look at shopping prices with.

Top 10 Toledo Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. GEICO
  7. AAA Insurance
  8. Safeco Insurance
  9. Esurance
  10. The General

Top 10 Toledo Car Insurance Companies Overall

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

More effort can pay off

When you buy Toledo car insurance online, you should never buy less coverage just to save a little money. In many instances, an accident victim reduced liability limits or collision coverage and learned later that it was a big mistake. The aim is to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

We just covered a lot of techniques to lower your Hyundai Sonata insurance prices in Toledo. The key thing to remember is the more you quote Toledo car insurance, the better your comparison will be. You may even be surprised to find that the biggest savings come from a smaller regional carrier. These companies can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.

Steps to finding better rates for Hyundai Sonata insurance in Toledo

The best way we recommend to get low-cost Hyundai Sonata insurance in Toledo is to regularly compare prices from insurance carriers in Ohio.

  • Step 1: Read about individual coverages and the things you can control to lower rates. Many factors that are responsible for high rates such as accidents, careless driving, and an unacceptable credit score can be remedied by making small lifestyle or driving habit changes.
  • Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agencies can quote rates from multiple sources.
  • Step 3: Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
  • Step 4: Provide adequate notice to your current company to cancel your current car insurance policy and submit the signed application along with the required initial payment to your new insurance company. Don't forget to put the new proof of insurance certificate above your visor, in the console, or in the glove compartment.

The critical component of shopping around is that you'll want to make sure you compare identical limits and deductibles on every quote and to quote with as many carriers as you can. This enables a fair rate comparison and the most accurate and complete price analysis.

Additional information