Insurance rates Hyundai Sonata in TampaDo you want to learn how to find cheaper Hyundai Sonata insurance in Tampa? Searching for low-cost insurance for a Hyundai Sonata in Florida could be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are both good and bad ways to shop for auto insurance so we're going to tell you the best way to compare rates for your Hyundai and get the cheapest rates either online or from Tampa insurance agents.

Consumers should take time to shop coverage around before your policy renews because auto insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on Hyundai Sonata insurance in Tampa a couple years back the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because we're going to show you the best methods to find better rates and still maintain coverage.

If you have a current insurance policy or are looking for a new policy, you can use this information to save money without sacrificing coverage. Getting quotes for the best-priced protection in Tampa is not as time-consuming as you think. Consumers only need an understanding of the best way to compare price quotes from many different companies.

The best way we recommend to compare rate quotes for Hyundai Sonata insurance in Tampa is to know the fact almost all companies allow for online access to give free rates quotes. To get started, all you need to do is give them some information including your occupation, if your license is active, the year, make and model of vehicles, and how you use your vehicles. Your details is instantly sent to insurance carriers in your area and they return rate quotes instantly to find the best rate.

To compare cheap Hyundai Sonata insurance rates now, click here and complete the quick form.

The companies shown below provide price quotes in Tampa, FL. To find the best car insurance in Florida, it's highly recommended you visit as many as you can in order to find the most competitive rates.

Hyundai Sonata Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $310 $614 $612 $36 $184 $1,756 $146
Sonata GLS 4-Dr Sedan $344 $732 $612 $36 $184 $1,908 $159
Sonata GLS 4-Dr Sedan $322 $544 $472 $28 $142 $1,508 $126
Sonata SE 4-Dr Sedan $312 $628 $480 $28 $144 $1,592 $133
Sonata SE 4-Dr Sedan $322 $640 $472 $28 $142 $1,604 $134
Sonata Limited 4-Dr Sedan $316 $650 $452 $26 $136 $1,580 $132
Sonata Limited 4-Dr Sedan $348 $748 $532 $32 $160 $1,820 $152
Get Your Own Custom Quote Go

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can decrease or increase prices significantly.

How high should deductibles be?

One of the hardest decisions when shopping for car insurance is which deductible level should you buy. The data tables below summarize the premium difference when you choose different physical damage coverage deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Hyundai Sonata insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $358 $648 $472 $28 $142 $1,673 $139
Sonata GLS 4-Dr Sedan $358 $648 $472 $28 $142 $1,673 $139
Sonata GLS 4-Dr Sedan $358 $648 $472 $28 $142 $1,673 $139
Sonata SE 4-Dr Sedan $358 $764 $472 $28 $142 $1,789 $149
Sonata SE 4-Dr Sedan $358 $764 $472 $28 $142 $1,789 $149
Sonata Limited 4-Dr Sedan $406 $764 $472 $28 $142 $1,837 $153
Sonata Limited 4-Dr Sedan $406 $764 $472 $28 $142 $1,837 $153
Get Your Own Custom Quote Go
Hyundai Sonata insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $200 $342 $472 $28 $142 $1,184 $99
Sonata GLS 4-Dr Sedan $200 $342 $472 $28 $142 $1,184 $99
Sonata GLS 4-Dr Sedan $200 $342 $472 $28 $142 $1,184 $99
Sonata SE 4-Dr Sedan $200 $402 $472 $28 $142 $1,244 $104
Sonata SE 4-Dr Sedan $200 $402 $472 $28 $142 $1,244 $104
Sonata Limited 4-Dr Sedan $224 $402 $472 $28 $142 $1,268 $106
Sonata Limited 4-Dr Sedan $224 $402 $472 $28 $142 $1,268 $106
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific Tampa garaging location which can revise prices substantially.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $44 more each month or $528 each year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 20 months between claims, you would come out ahead by selecting a higher deductible.

Rate comparison of male drivers versus female drivers

The illustration below shows the comparison of Hyundai Sonata car insurance costs for male and female drivers. The data assumes no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Responsible drivers pay cheaper Tampa car insurance rates

The information below shows how speeding tickets and at-fault fender-benders drive up Hyundai Sonata car insurance rates for different age groups of insureds. The premium estimates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

Protect your Sonata and other assets

Even though Tampa Sonata insurance rates can get expensive, buying car insurance is required in Florida but it also protects you in many ways.

The benefits of insuring your Sonata are definitely more than the cost, particularly when you have a large claim. An average driver in America is overpaying over $820 a year so you should quote and compare rates each time the policy renews to ensure rates are competitive.

Save $382 a year! What?

Consumers in Florida get pounded daily by advertisements for insurance savings by companies like 21st Century, Allstate and State Farm. They all seem to state the claim that you'll save big if you change your coverage.

It sounds good, but how can they all sell you cheaper insurance coverage? Here is the trick they use.

Different companies quote their cheapest rates for the type of driver they prefer to insure. For instance, a desirable insured could be between the ages of 40 and 55, has a low-risk occupation, and drives a lower-performance vehicle. Any customer who fits that profile will get low rates and have a good chance to cut their Hyundai Sonata insurance rates if they switch.

Potential insureds who are not a match for the "perfect" profile will be quoted more expensive rates which results in business going elsewhere. If you listen closely, the ads state "customers that switch" not "all people who quote" save the amount stated. That's why companies can truthfully make it sound like they have such great rates. This emphasizes why you really need to get as many free Tampa car insurance quotes as possible. You cannot predict with any certainty which company will have the best prices at this point in time.

Car insurance discounts help lower rates for Hyundai Sonata insurance in Tampa

Car insurance can cost a lot, but there's a good chance there are discounts that can dramatically reduce your bill. Certain credits will be shown when you quote, but some discounts are required to be specially asked for before they will apply.Cheaper car insurance with discounts

One last thing about discounts, many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, that's just not realistic.

Companies and their offered discounts are:

Before buying, ask each insurance company how many discounts you can get. Some discounts may not apply in your area. If you would like to view providers offering car insurance discounts in Tampa, follow this link.

Compare rate quotes but still have a local neighborhood Tampa car insurance agent

Some consumers just want to talk to an insurance agent and that is a smart decision Professional agents can help you build your policy and give you someone to call. A good thing about comparing rate quotes online is that you can obtain the best rates and still have a local agent.

Insurance agency in TampaTo find an agent, once you fill out this short form, the coverage information is immediately sent to local insurance agents that can provide free Tampa car insurance quotes for your insurance coverage. You never need to search for any insurance agencies because quoted prices will be sent immediately to you. If you need to get a rate quote from one company in particular, you would need to visit that company's website to submit a rate quote request.

Picking an company should depend on more than just the premium amount. These questions are important to ask:

Do you need an independent or exclusive car insurance agent?

If you're trying to find a good Tampa insurance agent, there are two different agency structures and how they can service your needs differently. Auto insurance agencies can be described as either independent or exclusive. Either can provide auto insurance policies, but it's important to know the difference between them because it may have an impact on which type of agent you select.

Exclusive Auto Insurance Agents

These type of agents generally can only insure with one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot place coverage with different providers so they really need to provide good service. Exclusive agents are usually well trained on what they offer which aids in selling service over price. Some insured continue to buy insurance from these agents mainly due to the brand legacy and strong financial ratings.

The following are exclusive insurance agents in Tampa that can give you price quote information.

More insurance agents

Independent Auto Insurance Agents

Agents that elect to be independent are not limited to a single company so they can quote policies through many different auto insurance companies depending on which coverage is best. If they find a lower price, they simply move your policy to a different company and you don't have to find a new agent. If you need cheaper auto insurance rates, you absolutely need to compare quotes from a few independent agents in order to have the best price comparison. They often place coverage with smaller companies that may provide cheaper auto insurance rates.

Listed below are Tampa independent insurance agents that are able to give rate quotes.

More insurance agents

After talking to the agent and getting good responses to any questions you may have and locked in a price quote, it's possible that you found an insurance agent that is reputable and can properly service your auto insurance policy. Just remember you have the power to cancel your policy at any time so don't assume that you're stuck with a specific company for the entire policy term.

Find cheaper car insurance prices by comparing often

We just covered a lot of tips how to get a better price on Hyundai Sonata insurance in Tampa. The most important thing to understand is the more rate quotes you have, the higher your chance of finding inexpensive Tampa car insurance quotes. You may even be surprised to find that the best price on car insurance is with a smaller regional carrier.

People change insurance companies for many reasons like being labeled a high risk driver, delays in paying claims, delays in responding to claim requests or high rates after DUI convictions. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.

Budget-conscious Hyundai Sonata insurance is definitely available from both online companies and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not provide the ability to get quotes online and most of the time these small insurance companies only sell through independent agencies.

More learning opportunities