Remarkably, a study showed that the vast majority of insurance customers have bought insurance from the same company for more than four years, and practically 40% of insurance customers have never compared rates with other companies. The average driver in Irvine could save as much as $500 every year by just comparing rate quotes, but they don’t know the amount of money they would save if they replace their high priced policy.
If your goal is the lowest price, then the best way to get low-cost auto insurance rates is to compare prices once a year from providers in Irvine. You can shop around by following these steps.
First, try to understand how your policy works and the factors you can control to keep rates low. Many rating criteria that result in higher rates like traffic citations and a not-so-good credit history can be amended by making minor changes to your lifestyle. This article gives additional tips to prevent high rates and get discounts that may be available to you.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like Progressive or State Farm, while independent agents can quote prices for a wide range of companies. Compare rates now
Third, compare the quotes to your existing policy to see if a cheaper price is available in Irvine. If you find a lower rate quote and make a switch, make sure coverage does not lapse between policies.
An essential thing to point out is that you’ll want to make sure you compare the same deductibles and limits on each quote request and and to get quotes from every company you can. Doing this provides an accurate price comparison and a complete selection of prices.
Finding the cheapest car insurance coverage in Irvine can initially seem challenging. If you are insured now, you stand a good chance to be able to reduce premiums using the following tips. Nevertheless, California drivers must learn how the larger insurance companies calculate your policy premium because it can help you find the best coverage.
These discounts can lower Hyundai Sonata insurance rates
Car insurance is not cheap, but there’s a good chance there are discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but some must be asked for before being credited.
- Buy New and Save – Insuring a vehicle that is new may earn a small discount due to better safety requirements for new model year vehicles.
- Military Deployment Discount – Being deployed in the military may lower your car insurance rates slightly.
- E-sign – Some of the larger companies will give a small break get Irvine car insurance digitally online.
- Drive Safe and Save – Safe drivers can save up to 40% or more on their Irvine car insurance quote than drivers with accidents.
- Seat Belts Save – Drivers who require all vehicle occupants to buckle up could save 15% off the medical payments premium.
- Accident Free – Insureds with no claims or accidents get the best car insurance rates in comparison to drivers with a long claim history.
- Onboard Data Collection – Drivers who elect to allow data collection to monitor driving patterns by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they have good driving habits.
- Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts can get savings of 25 to 30%.
- Low Mileage – Fewer annual miles on your Hyundai could earn cheaper rates.
As a footnote on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, companies wouldn’t make money that way.
The chart below compares Hyundai Sonata car insurance rates with and without discounts applied. The information is based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, marriage, multi-policy, and homeowner discounts applied.
A list of car insurance companies and a summarized list of policyholder discounts include:
- State Farm offers discounts for multiple policy, accident-free, student away at school, passive restraint, Drive Safe & Save, and driver’s education.
- Farmers Insurance policyholders can earn discounts including distant student, good student, business and professional, electronic funds transfer, mature driver, and pay in full.
- GEICO may offer discounts for driver training, military active duty, good student, daytime running lights, federal employee, and defensive driver.
- American Family offers premium reductions for Steer into Savings, early bird, bundled insurance, good student, good driver, and air bags.
- Nationwide may include discounts for Farm Bureau membership, multi-policy, business or organization, anti-theft, easy pay, and accident-free.
- Progressive may have discounts that include continuous coverage, multi-policy, good student, online signing, homeowner, and online quote discount.
If you need affordable Irvine car insurance quotes, ask every company how many discounts you can get. Depending on the company, some discounts may not apply to policies in your area. To locate companies with discount rates in California, click here to view.
Most of the larger companies provide coverage prices direct online. Getting quotes for Hyundai Sonata insurance in Irvine doesn’t take a lot of time as you simply enter your personal and coverage information into the form. When the form is submitted, the company’s rating system automatically orders information on your driving record and credit history and generates a price. This makes comparing rates easy, and it’s very important to have as many quotes as possible if you are searching for cheaper prices.
In order to get comparison pricing now, check out the car insurance providers below. If you have a policy now, it’s recommended you type in the coverage information as close as possible to your current policy. This ensures you’re receiving a fair comparison using the same coverage and limits.
The companies in the list below are our best choices to provide free rate quotes in California. If multiple companies are listed, we suggest you compare several of them to find the lowest auto insurance rates.
Detailed insurance information
The price information displayed next highlights a range of insurance coverage prices for Hyundai Sonata models. Having a better idea how insurance prices are calculated can be of help when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $240 | $362 | $654 | $38 | $196 | $1,490 | $124 |
| Sonata GLS 4-Dr Sedan | $240 | $362 | $654 | $38 | $196 | $1,490 | $124 |
| Sonata GLS 4-Dr Sedan | $240 | $362 | $654 | $38 | $196 | $1,490 | $124 |
| Sonata SE 4-Dr Sedan | $240 | $426 | $654 | $38 | $196 | $1,554 | $130 |
| Sonata SE 4-Dr Sedan | $240 | $426 | $654 | $38 | $196 | $1,554 | $130 |
| Sonata Limited 4-Dr Sedan | $272 | $426 | $654 | $38 | $196 | $1,586 | $132 |
| Sonata Limited 4-Dr Sedan | $272 | $426 | $654 | $38 | $196 | $1,586 | $132 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Table data does not factor in Irvine location which can decrease or increase insurance rates significantly.
The chart below shows how different deductible levels and can raise or lower Hyundai Sonata insurance costs for different categories of driver ages. The price estimates are based on a married female driver, comp and collision included, and no policy discounts are applied.
Accidents and violations increase rates
The example below demonstrates how citations and at-fault collisions can increase Hyundai Sonata insurance costs for different insured age categories. The premiums are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Six factors that determine insurance prices
Multiple criteria are used in the calculation when you get a price on insurance. Some factors are common sense like an MVR report, but other criteria are less apparent such as your credit history or how financially stable you are. A large part of saving on car insurance is knowing the rating factors that go into determining the level of your policy premiums. When consumers understand what influences your rates, this enables you to make decisions that may reward you with much lower annual insurance costs.
- Better rates on safer cars – Vehicles with good safety scores tend to be cheaper to insure. The safest vehicles reduce the chance of injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If your Hyundai Sonata earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
- Bump up physical damage deductibles to lower rates – Comp and collision deductibles tell how much you are willing to pay out-of-pocket if the claim is covered. Protection for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of covered claims are rear-ending another vehicle, animal collisions, and damage from wind. The more you are required to pay out-of-pocket, the bigger discount you will receive.
- Never let your coverage lapse – Not having insurance can get you a ticket and you may have a hard time finding new coverage because you let your coverage lapse. In addition to paying higher rates, being ticketed for driving with no insurance could result in a fine, jail time, or a revoked license.
- Single drivers may have higher premiums – Having a spouse can actually save you money on car insurance. Marriage is viewed as being more mature and responsible and statistics prove married couples file fewer claims.
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Gender impacts rates – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean females are better drivers. Both sexes are in auto accidents at about the same rate, but men cause more damage. In addition to higher claims, males also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers are several times more likely to be in an accident and therefore pay the highest rates.
The chart below visualizes the comparison of Hyundai Sonata insurance rates for male and female drivers. The premiums are based on no claims or driving citations, comp and collision included, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
- If you don’t need it don’t buy it – There are quite a few additional coverages you can purchase if you don’t pay attention. Things like roadside assistance, accidental death, and extra life insurance coverage may be costing you every month. These may sound like a good investment at first, but if you’ve never needed them in the past eliminate them to save money.
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Hyundai Sonata claim data – Insurers include the past claim trends for vehicles as a tool for profitable underwriting. Vehicles that are shown to have higher loss trends will cost more for coverage. The table below illustrates the historical insurance loss data for Hyundai Sonata vehicles.
For each type of coverage, the statistical loss for all vehicles averaged together is a value of 100. Numbers below 100 represent a good loss history, while values that are 100 or greater point to more claims or statistically larger losses.
Car Insurance Loss Data for Hyundai Sonata Models Specific Hyundai 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
Do I need special coverages?
When choosing insurance from an agent or online, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your insurance should unique, too. Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.
- Should I rate my Hyundai Sonata as pleasure use or commute?
- Will my rates increase for filing one claim?
- When should I remove my kid from my policy?
- Do I need to call my car insurance company before buying a new car?
- Which companies will insure high-risk drivers?
- Does medical payments coverage apply to all occupants?
If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.
Local neighborhood agents and car insurance
Some people would rather get professional advice from a licensed agent and that is not a bad decision The best thing about comparing insurance prices online is the fact that you can find cheap car insurance quotes but still work with a licensed agent.
To help locate an agent, after submitting this simple form, your insurance coverage information is submitted to participating agents in Irvine that provide free Irvine car insurance quotes for your insurance coverage. You won’t need to contact an agency because quoted prices will be sent immediately to you. Get lower rates without having to waste a lot of time. If for some reason you want to get a price quote from a particular provider, feel free to search and find their rate quote page and fill out the quote form the provide.
Choosing an insurer requires more thought than just a low price. Below are some questions you should ask.
- How experienced are they in personal risk management?
- Are they able to provide referrals?
- Do they get extra compensation for selling add-on coverages?
- What are the financial ratings for the companies they represent?
- Which members of your family are coverage by the policy?
Below are Irvine car insurance companies who can help you get price quote information for Hyundai Sonata insurance in Irvine.
Wozencraft Insurance Agency
17321 Irvine Blvd #201 – Tustin, CA 92780 – (714) 263-2626 – View Map
Rich Stevens – State Farm Insurance Agent
4482 Barranca Pkwy #224 – Irvine, CA 92604 – (949) 552-6601 – View Map
State Farm: Jim Canty
3200 El Camino Real #110 – Irvine, CA 92602 – (949) 769-2600 – View Map
Sentry Insurance – Irvine
16815 Von Karman Ave #200 – Irvine, CA 92606 – (949) 930-6100 – View Map
Why you need vehicle insurance in California
Despite the potentially high cost of Hyundai Sonata insurance, maintaining insurance is not optional due to several reasons.
- The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your vehicle with a loan, most lenders will force you to have insurance to guarantee payment of the loan. If you default on your policy, the lender may insure your Hyundai at a much higher premium rate and force you to pay a much higher amount than you were paying before.
- Auto insurance preserves both your car and your assets. It will also provide coverage for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also pays for attorney fees and expenses in the event you are sued. 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 carrying enough insurance are without a doubt worth the cost, particularly for liability claims. The average driver in California is overpaying more than $865 each year so we recommend shopping around each time the policy renews to be sure current rates are still competitive.
California auto insurance companies
Selecting the right auto insurance provider is difficult considering how many choices you have in Irvine. The company ratings in the next section can help you decide which car insurance providers to look at comparing rates from.
Top 10 Irvine Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
What is YOUR best insurance company?
When shopping online for auto insurance, never buy poor coverage just to save money. In too many instances, consumers will sacrifice collision coverage only to discover later they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.
Cheaper auto insurance in Irvine is available both online and from local agencies, so get free Irvine car insurance quotes from both of them to have the best selection. Some insurance providers do not offer the ability to get a quote online and usually these small, regional companies prefer to sell through independent agents.
In this article, we covered a lot of information how to find lower-cost Hyundai Sonata insurance in Irvine. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest Hyundai Sonata rate quotes. Drivers may even discover the lowest priced auto insurance comes from some of the smallest insurance companies. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like GEICO and State Farm.
Additional information is available below:
- What Does No-Fault Insurance Cover? (Allstate)
- Who Has Cheap Auto Insurance for 4×4 Vehicles in Irvine? (FAQ)
- How Much are Car Insurance Quotes for a 20 Year Old Female in Irvine? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)
- Car Insurance: When not to Skimp (BankRate.com)