Best Cheap Insurance Quotes for a Hyundai Sonata in Alabama

Our editors always tell us that when writing about car insurance, the word affordable should never appear anywhere in the article. Forgive the oxymoron, but cheap auto insurance for a Hyundai Sonata is not easy to find. Don’t get your dauber down, because we are going to show you some ways you can quote auto insurance that you can afford.

Your chances of finding the cheapest auto insurance for a Hyundai Sonata in Alabama hinges on a complicated equation that takes into consideration things such as annual miles driven, if you have ever let your policy lapse, and physical damage deductibles. Drivers pay on average $1,000 every 12 months for Sonata insurance, but that rate is an estimate based on rates for a 40-year-old single male that included full coverage including both comprehensive and collision and $1,000 policy deductibles.

There is a high probability that you are not exactly 40 years old and possibly not even male, maybe you are married instead of single, or maybe you prefer liability limits higher than required by Alabama state law. Even a slight change in price quote data could end up with a large change in the policy cost.

Every driver’s needs are different, and that is why the most reliable method for finding cheap insurance rates for your Hyundai is to shop your policy around at every renewal.

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The specific trim level will likely have an effect on the coverage cost, so the rate you pay to insure a Sonata GLS 4-Dr Sedan trim level will be $76 less expensive the cost to insure the higher-end Sonata Limited 4-Dr Sedan trim level, as shown by the rates below.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium amounts do not factor in Alabama location which can lower or raise insurance rates noticeably.

Finding out which company has the cheapest car insurance rates for a Hyundai Sonata takes a bit more work than just comparing a company or two. Each auto insurance company has their own unique process for establishing rates, so we need to take a look at the overall cheapest car insurance companies in Alabama.

Best Cheap Insurance Rates for Your Sonata

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Travelers quotes some of the best car insurance rates in Alabama at around $783 per year. Cincinnati Insurance, USAA, GEICO, and Auto-Owners would also be considered some of the best Alabama insurance companies.

As shown in the table above, if you have coverage with USAA and switched to Travelers, you may see an annual savings of upwards of $148. Insureds with GEICO might save as much as $236 a year, and Auto-Owners insureds might reduce prices by as much as $387 a year.

To compare your rates to other Alabama insurance companies, click here to get a free quote or visit any of the companies below.

Understand that those premium estimates are averaged across all types of insureds and vehicles and and are not figured with a specific rating modification for a Hyundai Sonata. So the company that can offer you the best price may not even be included in the company chart above. That affirms the importance of why you need to get rate quotes using your own specific driver and vehicle information.

Get discount Alabama insurance rates

Auto insurance companies that offer the best cheap insurance for a Hyundai Sonata in Alabama may have discounts that can reduce rates by as much as 35% if you meet specific criteria. A few of the larger companies and their possible discounts are included below.

The chart below compares car insurance costs with and without some available policy discounts. The rates are based on a female driver, no claims or driving citations, Alabama state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, claim-free, marriage, accident-free, homeowner, and vehicle safety discounts applied. When taking advantage of discounts, the average savings per year on car insurance for a Hyundai Sonata is 13% or $199.

Who is cheaper: Progressive, State Farm, Allstate, or Geico?

When shopping around for insurance for a Sonata in Alabama, some of the largest companies to start with are Progressive, State Farm, Allstate, and Geico. When combined, they insure about half of all policies written in the United States. All offer your standard physical damage and liability coverages, but each one has unique coverages that shoppers can choose from. The table below compares and contrasts ratings and policy coverage options that are available from each company.

How to find cheaper car insurance for a Hyundai Sonata

It is possible to find better rates, and here are some penny-pinching suggestions that can help drivers quote the cheapest coverage.

• Increase your credit rating
• Buy a car with high safety ratings
• Avoid having at-fault accidents
• Tickets and violations raise rates
• Earn discounts for being claim-free
• Compare price quotes at least once a year

The last suggestion is especially crucial, as was emphasized in the article above. Car insurance rates fluctuate considerably, so don’t be hesitant to buy a different policy if you find a better deal.

Staying with the same car insurance company is fine, but it isn’t a good idea if that loyalty results in overpaying hundreds of dollars a year. If you have a few minutes, compare prices to find cheaper car insurance for a Hyundai Sonata.

Who has the cheapest Hyundai Sonata insurance quotes?

Drivers have a lot of different ways to quote and buy car insurance in Alabama, but the most preferred are through a captive (or exclusive) agency such as Allstate or Auto-Owners, an independent or non-exclusive agent, or direct from companies such as Geico or Progressive.

They all have the same basic principle, but it’s important to point out the distinctions in how they provide price quotes.

Independent agencies have contracts with many companies and can quote your policy with each one. They do not write with just one company and can give you a larger rate selection, which can help you get improved chances of finding a lower rate. If they quote lower rates, your policy is moved internally and you don’t have to do anything.

An agent who is captive is able to place business with one insurance company, a couple examples are a State Farm or Allstate agent. Exclusive agencies are unable to provide other companys’ prices, so drivers will want to get other quotes as well.

Choosing to buy car insurance direct means you forego an exlusive or independent agent and instead buy direct either online or via phone. Shopping direct may be a decent choice consumers who do not have complex finances and have knowledge of what coverage limits and deductibles they need.

So which method is best to find the best cheap insurance for a Hyundai Sonata in Alabama? Our initial answer would be buying from a direct car insurance company saves the most money because there is no agent taking a commission, but in reality, that argument does not hold true. We could also assume that an independent agency saves the most money due to increased selection, but that assumption is not true either. In the right set of circumstances, exclusive agents have coverage prices that other companies cannot beat.

Since car insurance companies use so many rating factors, really the best method to ensure you are not overpaying for car insurance is to compare rate quotes from as many companies as possible. Smart shoppers will get quotes from all three types to give yourself enough choices. We compiled a list of companies with some of the cheapest online rates that you can click here to view.