Hyundai Sonata Insurance Quotes in Columbus

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Insurance for Hyundai SonataThe preferred way to quote cheaper auto insurance rates is to make a habit of comparing prices annually from different companies in Columbus. You can compare rates by completing these steps.

  1. Learn about how your policy works and the modifications you can make to prevent expensive coverage. Many rating factors that result in higher rates such as at-fault accidents, speeding tickets, and bad credit can be remedied by making lifestyle changes or driving safer.
  2. Compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes for many different companies.
  3. Compare the new rates to your current policy and determine if there is any savings. If you find better rates and switch companies, verify that coverage does not lapse between policies.
  4. Notify your current company to cancel your current car insurance policy. Submit payment and a completed application to your new agent or company. Make sure you keep your new certificate verifying coverage with your vehicle's registration.

An important part of this process is to make sure you enter identical deductibles and limits on each quote and to quote with as many auto insurance providers as possible. Doing this guarantees an accurate price comparison and and a good selection of different prices.

It's an obvious assumption that insurance companies want to keep you from comparing rates. Insureds who perform rate comparisons will, in all likelihood, move their business because they have good chances of finding a more affordable policy premium. A recent survey found that drivers who compared rates regularly saved about $3,450 over four years as compared to drivers who never shopped around.

If finding the best price on auto insurance is your goal, then learning about the best way to quote and compare insurance coverage can make the process more efficient.

If you are insured now or just want cheaper coverage, use these tips to shop for the lowest rates and possibly find even better coverage. Choosing the best rates in Columbus is actually quite easy if you know where to start. Shoppers just have to learn the tricks to buy car insurance using one simple form.

Companies offering Hyundai Sonata insurance in Ohio

The companies in the list below provide free quotes in Columbus, OH. If more than one company is shown, we recommend you get prices from several of them to get the most competitive price.

Statistics and details

The coverage information displayed next outlines a range of prices for Hyundai Sonata models. Knowing how car insurance prices are figured can be useful when making smart choices when selecting a policy.

Hyundai Sonata Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $192 $406 $310 $18 $92 $1,018 $85
Sonata GLS 4-Dr Sedan $192 $406 $310 $18 $92 $1,018 $85
Sonata GLS 4-Dr Sedan $192 $406 $310 $18 $92 $1,018 $85
Sonata SE 4-Dr Sedan $192 $478 $310 $18 $92 $1,090 $91
Sonata SE 4-Dr Sedan $192 $478 $310 $18 $92 $1,090 $91
Sonata Limited 4-Dr Sedan $216 $478 $310 $18 $92 $1,114 $93
Sonata Limited 4-Dr Sedan $216 $478 $310 $18 $92 $1,114 $93
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in garaging location in Columbus which can modify auto insurance rates substantially.

Physical damage deductibles

One of the more difficult decisions when buying car insurance is the level to set your comp and collision deductibles. The rates shown below lay out the cost difference between low and high deductibles. The first set of prices uses a $100 physical damage deductible and the second rate table uses a $1,000 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 $196 $352 $256 $16 $76 $921 $77
Sonata GLS 4-Dr Sedan $196 $352 $256 $16 $76 $921 $77
Sonata GLS 4-Dr Sedan $196 $352 $256 $16 $76 $921 $77
Sonata SE 4-Dr Sedan $196 $416 $256 $16 $76 $985 $82
Sonata SE 4-Dr Sedan $196 $416 $256 $16 $76 $985 $82
Sonata Limited 4-Dr Sedan $220 $416 $256 $16 $76 $1,009 $84
Sonata Limited 4-Dr Sedan $220 $416 $256 $16 $76 $1,009 $84
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Hyundai Sonata insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $108 $186 $256 $16 $76 $642 $54
Sonata GLS 4-Dr Sedan $108 $186 $256 $16 $76 $642 $54
Sonata GLS 4-Dr Sedan $108 $186 $256 $16 $76 $642 $54
Sonata SE 4-Dr Sedan $108 $220 $256 $16 $76 $676 $56
Sonata SE 4-Dr Sedan $108 $220 $256 $16 $76 $676 $56
Sonata Limited 4-Dr Sedan $122 $220 $256 $16 $76 $690 $58
Sonata Limited 4-Dr Sedan $122 $220 $256 $16 $76 $690 $58
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in specific Columbus garaging location which can impact coverage rates substantially.

Using the data above, we can ascertain that using a $100 deductible costs roughly $24 more each month or $288 every year than buying the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 38 months between claim filings, you would save more money if you choose a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $80
Average monthly premium for $1,000 deductibles (subtract): - $56
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

One thing to be aware of is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself at claim time. You should have enough savings in order to pay the deductible for vehicle repair.

The diagram below shows how choosing a deductible and can raise or lower Hyundai Sonata insurance costs for each age group. The premiums assume a single male driver, comp and collision included, and no discounts are taken into consideration.

You Can Change Your Insurance Rates

Lots of factors are considered when pricing auto insurance. Some are pretty understandable like an MVR report, although some other factors are less apparent like your continuous coverage and annual miles driven. When buying insurance it's important to understand the rating factors that are used to determine the level of your policy premiums. If you have some idea of what impacts premium levels, this allows you to make good choices that may reward you with lower premium levels.

Listed below are some of the things used by companies to determine your prices.

  • Add-on coverages can add up - Insurance policies have a lot of extra bells and whistles that can waste your money on your insurance policy. Insurance for vanishing deductibles, towing coverage, and Farm Bureau memberships may be wasting your money. You may think they are a good idea when you first buy your policy, but if you've never needed them in the past eliminate the coverages to reduce your premium.
  • Does car insurance cost less for women? - Over the last 30 years, statistics show that men are more aggressive behind the wheel. That doesn't necessarily mean that females are better drivers. Women and men cause auto accidents at about the same rate, but guys tend to have more serious accidents. They also get cited for more serious violations such as reckless driving.

    The diagram below shows the comparison of Hyundai Sonata auto insurance rates for male and female drivers. The prices are based on no claims or driving citations, comp and collision included, $250 deductibles, marital status is single, and no discounts are applied.

  • Small claims can cost you - If you frequently file small claims, don't be surprised to see higher premiums or even policy non-renewal. Car insurance companies in Ohio give cheaper rates to insureds who only file infrequent claims. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Pay more by driving carelessly - Only having one driving citation can increase the cost of insurance substantially. Attentive drivers tend to pay less for car insurance compared to bad drivers. Drivers who have gotten flagrant violations such as DUI, reckless driving or excessive speeding are required to file a SR-22 with their state's licensing department in order to drive a vehicle legally.

    The chart below illustrates how violations and accident claims raise Hyundai Sonata insurance costs for different age groups. Data assumes a married male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

  • Lower rates by increasing coverage deductibles - The deductibles you choose define the amount you are required to spend before your insurance pays a claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of some claims that would be covered are rear-ending another vehicle, collision with a deer, and having a roll-over accident. The larger the amount you choose to pay out-of-pocket, the less your company will charge you for insurance.
  • Rates can be impacted by your vocation - Do you have a high-stress occupation? Careers like doctors, air traffic controllers, and miners have higher average rates because of job stress and lots of time spent away from family. Other jobs like scientists, athletes and the unemployed have lower than average premiums.
  • More than one policy can earn a discount - Most insurance companies give lower prices to buyers that buy multiple policies. It's known as a multi-policy discount. Even if you're getting this discount consumers should still get quotes from other companies to verify if the discount is saving money.
  • Claims statistics for a Hyundai Sonata - Insurance companies include the past claim trends for vehicles to help determine rates. Models that tend to have higher frequency or amount of claims will have a higher premium rate.

    The table below illustrates the loss history for Hyundai Sonata vehicles. For each coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is represented as 100. Numbers that are below 100 are indicative of better than average losses, while values that are above 100 indicate more frequent claims or a tendency for losses to be larger than average.

    Insurance Loss Ratings for Hyundai Sonata Vehicles
    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

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

Lower rate quotes on Hyundai Sonata insurance in Columbus with these insurance discounts

Insurance is expensive, but you may be missing some discounts that you may not know about. Some trigger automatically when you quote, but less common discounts must be asked for before you will receive the discount.Insurance discounts

  • Distant Student - Children who attend college more than 100 miles from Columbus and don't have a car may qualify for this discount.
  • Discount for Multiple Policies - When you have multiple policies with one insurance company you may save at least 10 to 15 percent or more.
  • Discounts for Government Workers - Simply working for the federal government could qualify for a slight premium decrease with some insurance companies.
  • Air Bags and Passive Restraints - Factory options such as air bags can receive discounts up to 30%.
  • Senior Citizens - If you qualify as a senior citizen, you could receive lower premium rates.
  • Low Miles Discount - Driving fewer miles may enable drivers to earn lower rates due to less chance of an accident.
  • One Accident Forgiven - Not necessarily a discount, but a few companies such as Progressive, State Farm and GEICO may permit one accident without the usual rate increase as long as you don't have any claims for a particular time prior to the accident.
  • Claim-Free Discount - Good drivers with no accidents can save substantially as compared to drivers with a long claim history.
  • Own a Home - Just being a homeowner can help you save on insurance since owning and maintaining a home demonstrates responsibility.

As a footnote on discounts, most credits do not apply to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that it's possible to get free car insurance, it just doesn't work that way.

The diagram below visualizes the comparison of Hyundai Sonata insurance rates with and without discounts. The rates are based on a female driver, no claims or driving violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, multi-car, marriage, and homeowner discounts applied.

If you would like to see a list of insurers that have a full spectrum of discounts in Ohio, click here.

Buying auto insurance from Columbus insurance agencies

Many drivers just want to visit with an insurance agent and we recommend doing that Insurance agents are trained risk managers and help you file claims. The biggest benefit of comparing insurance prices online is you may find lower prices and also buy local. And buying from small agencies is definitely important in Columbus.

To help locate an agent, after submitting this form (opens in new window), the coverage information is transmitted to local insurance agents who will return price quotes and help you find cheaper coverage. You don't have to drive around because quoted prices will be sent to the email address you provide. If you want to get a comparison quote from a particular provider, just jump over to their website and complete a quote there.

Two types of auto insurance agents

If you are wanting to find a local agent, it can be helpful to understand the different agency structures and how they are distinctly different. Agencies in Columbus may be either exclusive or independent agents depending on their company appointments. Either one can insure your vehicles properly, but it's worth learning the differences because it can influence the selection process.

Independent Auto Insurance Agencies

Independent agencies do not write with just one company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, they can switch companies in-house without you having to go to a different agency. If you are comparing auto insurance prices, you will definitely want to include price quotes from independent agents for the best price selection.

Featured below is a small list of independent agencies in Columbus that can give you competitive price quotes.

12927 Stonecreek Dr - Pickerington, OH 43147 - (614) 866-6060 - View Map

348 Granville St - Gahanna, OH 43230 - (614) 536-0370 - View Map

3291 E Main St - Columbus, OH 43213 - (614) 235-7050 - View Map

View more Columbus agents

Exclusive Insurance Agencies

Exclusive agencies work for only one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot place coverage with different providers so it's a take it or leave it situation. Exclusive agents are well trained on their products and sales techniques which can be an advantage.

The following is a list of exclusive insurance agents in Columbus who can help you get rate quotes.

1500 S Hamilton Rd - Columbus, OH 43227 - (614) 864-1050 - View Map

114 Norton Rd - Columbus, OH 43228 - (614) 878-9720 - View Map

3250 W Henderson Rd Ste 101 - Columbus, OH 43220 - (614) 457-5070 - View Map

View more Columbus agents

Selecting an insurance agent requires you to look at more than just a cheap price. These questions are important to ask:

  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • How long have they worked with personal auto insurance coverage?
  • How much can you save by raising your physical damage deductibles?
  • Can they give you a list of client referrals?
  • Do they have cheaper tiers of coverage?
  • Are there any discounts that you might be missing?
  • What are the financial ratings for the companies they represent?
  • Is there a 24/7 contact number?

Auto insurance can get complicated

When it comes to choosing coverage, there really is not a one size fits all plan. Your needs are unique to you.Drive safe and save

For instance, these questions might help in determining whether or not you could use an agent's help.

  • Is motorclub coverage worth it?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I carry comprehensive and collision coverage?
  • Is my camper covered by my car insurance policy?
  • Does every company file a SR-22 automatically?
  • What does UM/UIM cover?
  • Am I covered if I have no license?
  • When would I need rental car insurance?

If you can't answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It's fast, free and you can get the answers you need.

Cheap car insurance premiums are out there

Cheap Hyundai Sonata insurance in Columbus is available both online and from local agencies, so you need to quote Columbus auto insurance with both to get a complete price analysis. Some companies may not provide online quoting and usually these small, regional companies only sell through local independent agents.

We've covered many ways to get a better price on Hyundai Sonata insurance in Columbus. The most important thing to understand is the more you quote Columbus auto insurance, the better chance you'll have of finding affordable Columbus auto insurance quotes. You may even be surprised to find that the most savings is with a lesser-known regional company.

Consumers change insurance companies for a number of reasons such as being labeled a high risk driver, poor customer service, delays in responding to claim requests or even an unsatisfactory settlement offer. Whatever your reason, finding a new car insurance company is not as difficult as it may seem.

Additional car insurance information is located on the following sites: