Insurance for Hyundai SonataAre you sick of overpaying and want more competitive Hyundai Sonata insurance in Tucson? Trying to find low-cost insurance for your Hyundai Sonata in Arizona could be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are more efficient ways to shop for auto insurance and you need to know the proper way to compare rates for your Hyundai and find the lowest possible price from both online companies and Tucson agents.

It's a good habit to get comparison quotes quite often because auto insurance prices change regularly. Just because you had the lowest price on Hyundai Sonata insurance in Tucson on your last policy there may be better deals available now. You can find a lot of misleading information regarding Sonata insurance online but you can learn the easiest ways to save money.

If you have a policy now or just want to reduce your rates, take advantage of these tips to cut your premiums without reducing coverage. Quoting and comparing cheaper policy in Tucson is quite easy. Smart buyers just have to use the most efficient way to find the lowest price over the internet.

The following companies have been selected to offer free rate quotes in Arizona. To get the best auto insurance in Arizona, we recommend you click on several of them to get the best price comparison.

Hyundai Sonata Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $250 $456 $346 $20 $104 $1,176 $98
Sonata GLS 4-Dr Sedan $210 $388 $458 $28 $136 $1,220 $102
Sonata GLS 4-Dr Sedan $252 $536 $410 $24 $122 $1,344 $112
Sonata SE 4-Dr Sedan $232 $460 $338 $20 $102 $1,152 $96
Sonata SE 4-Dr Sedan $210 $456 $458 $28 $136 $1,288 $107
Sonata Limited 4-Dr Sedan $224 $450 $356 $22 $106 $1,158 $97
Sonata Limited 4-Dr Sedan $126 $246 $326 $20 $98 $816 $68
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in specific Tucson garaging location which can decrease or increase prices substantially.

Physical damage deductibles: Should you raise them?

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The comparisons below can help you understand how much more you'll pay of buying low and high deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Hyundai Sonata insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $258 $466 $338 $20 $102 $1,209 $101
Sonata GLS 4-Dr Sedan $258 $466 $338 $20 $102 $1,209 $101
Sonata GLS 4-Dr Sedan $258 $466 $338 $20 $102 $1,209 $101
Sonata SE 4-Dr Sedan $258 $548 $338 $20 $102 $1,291 $108
Sonata SE 4-Dr Sedan $258 $548 $338 $20 $102 $1,291 $108
Sonata Limited 4-Dr Sedan $292 $548 $338 $20 $102 $1,325 $110
Sonata Limited 4-Dr Sedan $292 $548 $338 $20 $102 $1,325 $110
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Hyundai Sonata insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $188 $314 $338 $20 $102 $962 $80
Sonata GLS 4-Dr Sedan $188 $314 $338 $20 $102 $962 $80
Sonata GLS 4-Dr Sedan $188 $314 $338 $20 $102 $962 $80
Sonata SE 4-Dr Sedan $188 $370 $338 $20 $102 $1,018 $85
Sonata SE 4-Dr Sedan $188 $370 $338 $20 $102 $1,018 $85
Sonata Limited 4-Dr Sedan $212 $370 $338 $20 $102 $1,042 $87
Sonata Limited 4-Dr Sedan $212 $370 $338 $20 $102 $1,042 $87
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in vehicle garaging location which can change auto insurance rates noticeably.

Based on the figures above, using a $100 deductible will cost you roughly $23 more each month or $276 each year than requesting the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 17 months between claim filings, you would probably be better off by going with a higher deductible.

Hyundai Sonata insurance costs by age and gender

The example below visualizes the comparison of Hyundai Sonata auto insurance costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

Score discounts to get cheaper Tucson car insurance quotes

Car insurance companies don't necessarily list every policy discount very clearly, so the following list contains both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy Tucson car insurance online.Cheaper car insurance with discounts

Consumers should know that some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like you could get a free car insurance policy, you won't be that lucky.

The best car insurance companies and some of the discounts include:

If you want inexpensive Tucson car insurance quotes, ask each company to give you their best rates. A few discounts may not apply in every state.

Save Money with These Tips

An important part of buying insurance is that you know some of the things that go into determining your policy premiums. If you understand what controls the rates you pay, this helps enable you to make changes that could result in big savings.

Prevent auto insurance policy lapses - Having a lapse in insurance coverage is a fast way to increase your rates. In addition to paying higher premiums, getting caught without coverage can result in fines and jail time. You may have to file a SR-22 with the Arizona motor vehicle department to get your license reinstated.

Traffic violations drive up costs - Having just one driving citation could increase your next policy renewal substantially. Drivers who don't get tickets receive lower rates compared to drivers with tickets. Drivers who have multiple violations such as DUI, reckless driving or excessive speeding might be required by their state to file a SR-22 with their state's department of motor vehicles in order to prevent their license from being revoked.

Good credit scores equal low costs - A driver's credit history factor in determining premium rates. So if your credit score is not that good, you could save money insuring your Hyundai Sonata by taking the time to improve your credit score. Drivers with excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with worse credit.

Keep the miles off and save - Driving more miles every year the more it will cost to insure it. Most insurance companies calculate prices based upon how the vehicle is primarily used. Cars and trucks that have low annual miles receive better premium rates compared to those used for work or business. Having the wrong rating on your Sonata may be costing you higher rates. Verify your auto insurance policy is showing annual mileage, because it can save money.

Consolidate policies and save - Many insurance companies allow a discount to insureds who buy several policies from them, otherwise known as a multi-policy discount. The discount can add up to ten or even fifteen percent. If you currently are using one company, it's in your best interest to compare Hyundai Sonata rates in Tucson to ensure the best deal.There is a chance you can find lower rates by insuring with multiple companies.

Lower performance equals lower insurance premiums - The performance of the car, truck or SUV you drive makes a big difference in your premium level. Since the Hyundai Sonata is classified as a passenger car, rates will be similar in price or lower as compared to the average rate in Tucson. The lowest performance passenger vehicles usually have the lowest premiums, but that's not the only thing that factors into the final price.

Big cities mean more claims - Residing in less populated areas can be a good thing when shopping for auto insurance. Lower population means less chance of accidents and a lower car theft rate. People who live in big cities tend to have congested traffic and more time behind the wheel. Longer commute distances means a statistically higher chance of an accident.

Do you need those incidental coverages? - Insurance policies have a lot of extra add-on coverages that you can get tricked into buying on your auto insurance policy. Coverages like rental car coverage, high-cost glass coverage, and extra equipment coverage may be wasting your money. These may sound like a good investment at first, but if they're wasting money get rid of them and save.

Loss statistics for a Hyundai Sonata - Insurers analyze historical claim data when they set coverage costs for each model. Vehicles that the statistics show to have a higher amount or frequency of claims will cost more for coverage.

The table below shows the loss history for Hyundai Sonata vehicles. For each type of coverage, the claim probability for all vehicles, regardless of make or model, is equal to 100. Values below 100 imply a favorable loss record, while values over 100 point to more losses or an increased likelihood of larger losses.

Auto Insurance Loss Data for Hyundai Sonata Models

Vehicle 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

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

Get rate quotes but work with a local neighborhood Tucson car insurance agent

Many drivers prefer to talk to an insurance agent and that is not a bad decision Insurance agents can point out coverage gaps and help file insurance claims. The biggest benefit of getting free rate quotes online is you may find cheap rate quotes and still choose a local agent.

Tucson insurance agentsUpon completion of this short form, your coverage information is sent to companies in Tucson who want to provide quotes for your business. You never need to even leave your home since rate quotes are delivered straight to your inbox. If you need to quote rates for a specific company, you just need to go to their quote page and give them your coverage information.

Selecting an company should depend on more than just the premium amount. Here are some questions you might want to ask.

Quote often and quote early

While you're price shopping online, it's very important that you do not buy poor coverage just to save money. Too many times, an insured cut physical damage coverage and learned later that it was a big error on their part. The goal is to buy a smart amount of coverage at the best price while still protecting your assets.

More affordable auto insurance in Tucson can be sourced online and with local Tucson insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies don't offer internet price quotes and these smaller companies only sell coverage through local independent agencies.

Drivers switch companies for any number of reasons including being labeled a high risk driver, questionable increases in premium, extreme rates for teen drivers or even lack of trust in their agent. It doesn't matter why you want to switch choosing a new company can be easy and end up saving you some money.

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