Who Has Affordable Auto Insurance Rates for a Hyundai Sonata in Durham?

Finding the cheapest car insurance for a Hyundai Sonata in North Carolina hinges on a whole bunch of rating criteria such as annual vehicle mileage, your credit score, and if you have tickets or violations. Drivers in North Carolina pay around $1,045 per year to insure their Sonata, but that figure is a valuation calculated using a 40-year-old single female driver with full coverage and $100 deductibles.

This brings up the issue that more than likely you’re not a 40-year-old female, possibly married instead of single, or maybe you just want liability only instead of full coverage. Just a slight change in rating criteria or coverage limits can make a large difference in the policy rate.

Different coverage needs are the reason why the best way to find the cheapest coverage for your Hyundai is to just take the time to compare rates yourself. In just a couple of minutes you will be able to see rates from the cheapest companies that insure Hyundai vehicles in North Carolina.

Compare Hyundai Sonata Insurance Rates

Vehicle trim level has an effect on the yearly cost, so the cost to insure a Sonata GLS 4-Dr Sedan trim level will be $104 less expensive the insurance cost for the fancier Sonata Limited 4-Dr Sedan model, as demonstrated by the prices below.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in zip code location which can decrease or increase auto insurance rates significantly.

North Carolina insurance companies

Ending up with a high-quality car insurance company is hard considering how many different insurance companies sell coverage in North Carolina. The company rank data displayed below could help you analyze which auto insurers you want to consider buying from. These rankings are only made up of large, nationwide insurance companies, so companies that focus mainly on North Carolina business are not included in this list.

Top 10 Major Car Insurance Companies in Durham Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. The General
8. 21st Century
9. Esurance
10. Titan Insurance

Top 10 Major Car Insurance Companies in Durham Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

How to get discounts on Durham insurance rates

Insurers that provide coverage for a Hyundai Sonata may have special discounts that can reduce rates by as much as 25% or more if you qualify. Larger insurance companies and some of the premium reductions they offer are included below.

• 21st Century offers premium reductions for anti-lock brakes, good student, automatic seat belts, teen driver, and defensive driver.
• State Farm offers discounts for driver’s education, student away at school, good driver, good student, and accident-free.
• AAA discounts include multi-policy, multi-car, good driver, education and occupation, and AAA membership discount.
• Liberty Mutual may include discounts for new vehicle discount, good student, multi-car, new graduate, and safety features.
• Progressive has savings for multi-policy, continuous coverage, good student, online quote discount, online signing, homeowner, and multi-vehicle.

The chart below shows the comparison of premium costs with and without discounts applied to the policy premium. The premiums assume a male driver, no claims or driving violations, North Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with claim-free, passive restraint, accident-free, vehicle safety, multiple policy, and homeowner discounts applied. In this example, theaverage amount saved on insurance for a Hyundai Sonata is 28% or $494.

The information below demonstrates how choosing different deductibles can change insurance prices when searching for cheap insurance for a Hyundai Sonata. The prices are based on a married male driver, full coverage, and no policy discounts are applied.

The data above shows that a 30-year-old driver could pocket $228 a year by increasing from a $100 deductible up to a $500 deductible, or save $346 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 category, could potentially save $692 annually by choosing larger deductibles on their policy. When choosing a higher deductible, it will be important to have enough spare savings to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Tips for buying low-cost insurance for a Hyundai Sonata

The list below details some of the better penny-pinching ideas that can help you buy more affordable coverage.

• Assess whether full coverage is needed
• Frequent claims will increase rates
• Being accident-free can lower rates significantly
• Bundle home or renters insurance to earn a discount on car insurance
• Get cheaper liability coverage by choosing a safer vehicle
• Tickets and violations raise rates
• Check for cheaper rates once a year

That last piece of advice is incredibly crucial, as was noted in the article above. Coverage prices in Durham fluctuate constantly, so don’t be tentative to buy a different policy if you can find a cheaper rate.

Staying with the same company for years is fine, but is isn’t recommended if that dedication is costing money that could be used for better things. It only takes a couple minutes to compare prices to find cheaper car insurance for a Hyundai Sonata.

If you like to get some help when shopping for cheaper insurance for a Sonata, the insurance agencies below can provide answers to your questions and help you determine which policy fits your needs best. To find a Durham insurance agent by location nearest to you, click the button following the list or click here to compare prices now.

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