Do you want to learn how to find the cheapest auto insurance rates in San Antonio, TX? San Antonio consumers have options when looking for affordable Hyundai Sonata insurance. They can either spend hours driving around to get rate comparisons or leverage the internet to find the lowest rates.
There is a better way to shop for auto insurance so you’re going to learn the absolute fastest way to get price quotes for your Hyundai and get the lowest price from San Antonio insurance agents and online providers.
We don’t have to point out that fact that car insurance companies want to keep you from comparing prices. Insureds who get price comparisons are inclined to buy a different policy because there is a good chance of finding good coverage at a lower price. A study showed that people who made a habit of comparing rates saved $860 a year as compared to drivers who never compared rates.
If finding the best rates on car insurance is your intention, then learning a little about how to quote and compare insurance coverage can save time and make the process easier.
You need to quote other rates once or twice a year because prices go up and down regularly. If you had the lowest price on Hyundai Sonata insurance in San Antonio a year ago there may be better deals available now. Don’t believe everything you read about Sonata insurance out there, but I’m going to show you some great ideas on how to slash your auto insurance rates in San Antonio.
If you have insurance now or are looking for a new policy, use these tips to find better prices and still get good coverage. These tips will teach you the best way to buy inexpensive insurance. Shoppers only need to know the best way to compare different rates from many companies at once.
The easiest way to compare rates for Hyundai Sonata insurance in San Antonio is to understand almost all companies will pay a fee to compare rate quotes. To start a quote, the only thing you need to do is provide details like what your job is, if the vehicle is leased, whether you are single or married, and distance driven. Your details is instantly sent to many of the top insurers and you get price estimates almost instantly.
To find lower lower-cost Hyundai Sonata insurance rates now, click here and enter your coverage details.
The providers in the list below offer quotes in Texas. If multiple companies are shown, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Analysis of Hyundai Sonata rates
The table below outlines a range of coverage costs for Hyundai Sonata models. Having knowledge of how insurance policy premiums are established helps drivers make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $282 | $580 | $452 | $26 | $136 | $1,476 | $123 |
| Sonata GLS 4-Dr Sedan | $282 | $580 | $452 | $26 | $136 | $1,476 | $123 |
| Sonata GLS 4-Dr Sedan | $282 | $580 | $452 | $26 | $136 | $1,476 | $123 |
| Sonata SE 4-Dr Sedan | $282 | $684 | $452 | $26 | $136 | $1,580 | $132 |
| Sonata SE 4-Dr Sedan | $282 | $684 | $452 | $26 | $136 | $1,580 | $132 |
| Sonata Limited 4-Dr Sedan | $318 | $684 | $452 | $26 | $136 | $1,616 | $135 |
| Sonata Limited 4-Dr Sedan | $318 | $684 | $452 | $26 | $136 | $1,616 | $135 |
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate information does not factor in garaging location in San Antonio which can influence prices greatly.
Can higher deductibles save money?
One of the hardest decisions when shopping for insurance is what deductibles to buy. The tables below help summarize the differences in premium rates when you buy lower versus higher comp and collision deductibles. The first price estimate table uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $328 | $592 | $430 | $26 | $128 | $1,529 | $127 |
| Sonata GLS 4-Dr Sedan | $328 | $592 | $430 | $26 | $128 | $1,529 | $127 |
| Sonata GLS 4-Dr Sedan | $328 | $592 | $430 | $26 | $128 | $1,529 | $127 |
| Sonata SE 4-Dr Sedan | $328 | $698 | $430 | $26 | $128 | $1,635 | $136 |
| Sonata SE 4-Dr Sedan | $328 | $698 | $430 | $26 | $128 | $1,635 | $136 |
| Sonata Limited 4-Dr Sedan | $370 | $698 | $430 | $26 | $128 | $1,677 | $140 |
| Sonata Limited 4-Dr Sedan | $370 | $698 | $430 | $26 | $128 | $1,677 | $140 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $182 | $312 | $430 | $26 | $128 | $1,078 | $90 |
| Sonata GLS 4-Dr Sedan | $182 | $312 | $430 | $26 | $128 | $1,078 | $90 |
| Sonata GLS 4-Dr Sedan | $182 | $312 | $430 | $26 | $128 | $1,078 | $90 |
| Sonata SE 4-Dr Sedan | $182 | $368 | $430 | $26 | $128 | $1,134 | $95 |
| Sonata SE 4-Dr Sedan | $182 | $368 | $430 | $26 | $128 | $1,134 | $95 |
| Sonata Limited 4-Dr Sedan | $206 | $368 | $430 | $26 | $128 | $1,158 | $97 |
| Sonata Limited 4-Dr Sedan | $206 | $368 | $430 | $26 | $128 | $1,158 | $97 |
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in San Antonio location which can decrease or increase premium rates considerably.
Based on the figures above, using a $100 deductible will cost you about $40 more each month or $480 a year than opting for the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 23 months between claim filings, you would more than likely save some money if you choose the higher deductible.
The illustration below demonstrates how choosing different deductibles and can change Hyundai Sonata insurance costs for each age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Difference between liability only and full coverage rates
The diagram below shows the comparison of Hyundai Sonata insurance premiums with and without physical damage coverage. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no policy discounts are applied.
When to drop comp and collision
There is no clear-cut rule to stop buying comp and collision coverage, but there is a general convention. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s pretend your Hyundai Sonata replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after paying your deductible. If you are paying over $600 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some conditions where buying only liability insurance is not a good plan. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
Choosing the best Sonata insurance in Texas is an important decision
Despite the potentially high cost of Hyundai Sonata insurance, insuring your vehicle is required in Texas but it also protects you in many ways.
First, just about all states have mandatory insurance requirements which means state laws require specific minimum amounts of liability insurance coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your Sonata has a lienholder, most lenders will require that you have insurance to guarantee payment of the loan. If the policy lapses, the bank may insure your Hyundai for a much higher rate and force you to pay for the expensive policy.
Third, insurance preserves not only your Hyundai Sonata but also your financial assets. Insurance will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if anyone sues you for causing an accident. If you have damage to your Hyundai as the result of the weather or an accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of having insurance greatly outweigh the cost, particularly when you have a large claim. According to a recent study, the average American driver overpays more than $865 each year so shop around once a year at a minimum to make sure the price is not too high.
Six factors that impact insurance costs
Lots of things are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but other factors are not quite as obvious like your vehicle usage or your financial responsibility. One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that aid in calculating your premiums. If you know what controls the rates you pay, this enables informed choices that may result in lower premium levels.
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Pay more by driving carelessly – Your driving record impacts your car insurance rates tremendously. Good drivers get better prices compared to drivers with tickets. Even a single speeding ticket may increase your cost forty percent or more. Drivers who have gotten multiple violations like reckless driving or DUI may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to drive a vehicle legally.
The information below demonstrates how citations and accidents can influence Hyundai Sonata auto insurance costs for different age categories. The premiums assume a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
- More traffic means higher claims – Having an address in a small town is a good thing when trying to find low car insurance rates. Fewer people means fewer accidents and lower theft and vandalism rates. Residents of big cities have traffic congestion and longer commute times. Higher commute times means more chance of being in an accident.
- Premiums are affected by your credit rating – Credit history can be a huge factor in calculating your premium rate. If your credit history can use some improvement, you could be paying less to insure your Hyundai Sonata by spending a little time repairing your credit. Drivers who have good credit tend to file fewer claims as compared to drivers with poor credit.
- Optional features that cut prices – Driving a car that has an advanced theft prevention system can help bring down rates. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft and help lower rates.
- Eliminate unneeded incidental coverages – There are a ton of extra coverages that can waste your money if you aren’t careful. Insurance for things like rental car reimbursement, high-cost glass coverage, and membership fees are some examples. They may seem good when talking to your agent, but now you might not need them so remove them from your policy.
- Multiple policies with one company – The majority of companies provide a discount to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to make sure you are getting the best deal. You may still save money even if you insure with multiple companies
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Insurance loss probability for a Hyundai Sonata – Insurers use past insurance losses to help calculate premium costs. Vehicles that statistically have increased claim numbers or amounts will have a higher cost to insure.
The table below demonstrates the loss history for Hyundai Sonata vehicles. For each insurance policy coverage type, the claim amount for all vehicles, as an average, is equal to 100. Values under 100 represent a good loss history, while percentages above 100 point to more frequent losses or statistically 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 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Take advantage of these rate reducing discounts
Not too many consumers would say auto insurance is affordable, but you might find some hidden discounts that many consumers don’t even know exist. Some discounts apply automatically at the time of quoting, but some need to be specifically requested before you will receive the discount.
- Senior Citizens – Mature drivers may be able to get a discount up to 10%.
- Air Bag Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
- Accident Forgiveness Coverage – Not a discount per se, but companies like State Farm and Allstate may permit one accident before they charge you more for coverage as long as you don’t have any claims before the accident.
- Driver’s Ed – Require your teen driver to take driver’s ed class in school or through a local driver safety program.
- No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on San Antonio auto insurance quote in comparison with drivers with a long claim history.
- Discount for Swiching Early – A few companies offer discounts for switching policies prior to the expiration date on your current Sonata insurance policy. This can save 10% or more.
- Discount for Low Mileage – Driving fewer miles could qualify for substantially lower rates.
- Telematics Devices – Drivers who elect to allow their company to monitor when and where they use their vehicle by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks as long as the data is positive.
- Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents so you can save 10 percent or more.
A little disclaimer on discounts, most of the big mark downs will not be given to the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, that’s just not realistic.
The illustration below illustrates the comparison of Hyundai Sonata yearly insurance costs with and without discounts. The rate quotes are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, marriage, multi-car, and multi-policy discounts applied.
The best auto insurance companies and some of the discounts are detailed below.
- 21st Century offers discounts including teen driver, defensive driver, early bird, good student, air bags, and homeowners.
- State Farm may have discounts that include passive restraint, student away at school, good student, accident-free, driver’s education, Steer Clear safe driver discount, and multiple policy.
- AAA policyholders can earn discounts including pay-in-full, multi-car, good driver, anti-theft, good student, multi-policy, and education and occupation.
- Liberty Mutual includes discounts for multi-policy, hybrid vehicle, new move discount, multi-car, newly retired, good student, and exclusive group savings.
- Progressive may include discounts for good student, homeowner, online quote discount, online signing, and multi-policy.
If you are trying to find cheaper San Antonio auto insurance quotes, ask all companies you are considering which discounts they offer. Some discounts listed above might not be available to policyholders everywhere.
You are unique and your car insurance should be too
Always remember that when buying coverage online or from an agent, there really isn’t a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that
For example, these questions may help highlight if your insurance needs could use an agent’s help.
- When should I remove comp and collision on my Hyundai Sonata?
- Does having multiple vehicles earn me a discount?
- Will filing a claim cost me more?
- Can I afford to pay high deductible claims out of pocket?
- Am I covered if I wreck a rental car?
- Is my Hyundai Sonata covered for smoke damage?
- Is my custom paint covered by insurance?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Exclusive or independent insurance agents
Some consumers still prefer to have an agent’s advice and that is OK! Good insurance agents can help you build your policy and help you file claims. A good thing about getting free rate quotes online is you may find the best rates and still choose a local agent. And buying from small agencies is important particularly in San Antonio.
For easy comparison, once you complete this simple form, your insurance data is sent to companies in San Antonio that give free quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to find an agent because prices are sent immediately to your email address. If you need to compare rates from one company in particular, you would need to jump over to their website and give them your coverage information.
If you want to buy car insurance from a local insurance agency, it helps to know the two different types of agencies from which to choose. Agents may be either exclusive agents or independent agents. Either one can do a good job, but it’s worth learning why they differ since it can affect your agent selection.
Independent Agencies or Brokers
Agents in the independent channel are not employed by one company and that gives them the ability to insure through many companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage which makes it simple for you.
When shopping rates, you need to get several quotes from several independent agencies to have the best price comparison. They often place coverage with less well-known companies which may provide better rates.
Shown below is a small list of independent insurance agencies in San Antonio that may be able to provide free car insurance quotes.
- San Antonio Insurance Agency
1100 NE Interstate 410 Loop – San Antonio, TX 78209 – (210) 822-2590 – View Map - Ellis Insurance Agency
15335 San Pedro Ave – San Antonio, TX 78232 – (210) 979-9000 – View Map - Toubin Insurance Agency
7410 Blanco Rd #385 – San Antonio, TX 78216 – (210) 446-0109 – View Map
Exclusive Insurance Agents
Agents of this type have only one company to place business with such as Farmers Insurance or State Farm. These agents are not able to give you multiple price quotes so you might not find the best rates. These agents are usually quite knowledgeable in insurance sales which aids in selling service over price. A lot of people buy from exclusive agents partially due to the prominence of the brand and solid financial strength.
Shown below are exclusive insurance agencies in San Antonio that can give you price quotes.
- Art Manzano – State Farm Insurance Agent
1255 SW Loop 410 Ste 135 – San Antonio, TX 78227 – (210) 670-0000 – View Map - Deserae Navarro – State Farm Insurance Agent
5975 Bandera Rd – San Antonio, TX 78238 – (210) 647-7975 – View Map - GEICO Insurance Agent
8910 Bandera Rd #110 – San Antonio, TX 78250 – (210) 673-2391 – View Map
Picking the best car insurance agent requires you to look at more than just a low price. Any agent in San Antonio should be willing to answer these questions.
- When do they do a full risk review?
- By raising physical damage deductibles, how much would you save?
- Will your rates increase after a single accident?
- Will the quote change when the policy is issued?
- Can glass repairs be made at your home?
- Will the company cover a rental car if your car is getting fixed?
- Do they write coverage based solely on cost?
Auto insurance savings summarized
When shopping online for auto insurance, do not buy less coverage just to save a little money. There are too many instances where consumers will sacrifice full coverage only to find out that the few dollars in savings costed them thousands. Your objective should be to purchase a proper amount of coverage at the best price.
We covered some good ideas how you can find cheaper Hyundai Sonata insurance in San Antonio. It’s most important to understand that the more companies you get prices for, the better your chances of lowering your prices. Consumers may even find the lowest priced auto insurance comes from a small local company. Smaller companies can often provide lower prices in certain areas than their larger competitors like State Farm and Allstate.
Additional articles
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- Who Has the Cheapest Auto Insurance for a Learners Permit in San Antonio? (FAQ)
- Who Has Cheap San Antonio Car Insurance for Veterans? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Teenage Males in San Antonio? (FAQ)
- Who Has Cheap Auto Insurance Rates for Hybrid Vehicles in San Antonio? (FAQ)
- Learn About Car Insurance (GEICO)
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