Do you want to save money by buying lower-priced Hyundai Sonata insurance in San Diego? Finding more affordable coverage rates for Hyundai Sonata insurance in San Diego is frustrating for drivers who have little experience buying insurance online. Consumers have so many companies to choose from that it can easily become a difficult situation to find cheaper coverage rates on Hyundai Sonata insurance.
A recent survey discovered that a large majority of drivers kept their coverage with the same car insurance company for four years or more, and nearly half have never shopped around. Many drivers in San Diego can save $470 each year by just comparing quotes, but most undervalue the amount of money they would save if they switched.
These tips will familiarize you with how car insurance works and some tricks to saving. If you are already insured, you should be able to get lower rates using the concepts covered in this article. But California vehicle owners must understand how insurance companies calculate your policy premium and use it to find better rates.
When comparison shopping, there are several ways of comparing rate quotes from many car insurance companies in California. By far the easiest way to compare rates is to jump online and get quotes. When comparison shopping, obtaining a wide range of quotes increases the chance that you will find lower pricing. Not every company does price estimates online, so you need to compare quotes from them as well.
The following companies are ready to provide comparison quotes in San Diego, CA. If multiple companies are listed, we recommend you visit as many as you can to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $334 | $662 | $604 | $36 | $180 | $1,816 | $151 |
| Sonata GLS 4-Dr Sedan | $296 | $584 | $480 | $28 | $144 | $1,532 | $128 |
| Sonata GLS 4-Dr Sedan | $380 | $686 | $500 | $30 | $150 | $1,746 | $146 |
| Sonata SE 4-Dr Sedan | $216 | $464 | $480 | $28 | $144 | $1,332 | $111 |
| Sonata SE 4-Dr Sedan | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Sonata Limited 4-Dr Sedan | $242 | $454 | $470 | $28 | $140 | $1,334 | $111 |
| Sonata Limited 4-Dr Sedan | $490 | $810 | $654 | $38 | $196 | $2,188 | $182 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium costs do not factor in specific location which can alter rates considerably.
Raise deductibles and save
When buying auto insurance, a common question is what deductibles to buy. The rates shown below lay out the rate differences when you choose different coverage deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Sonata GLS 4-Dr Sedan | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Sonata GLS 4-Dr Sedan | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Sonata SE 4-Dr Sedan | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Sonata SE 4-Dr Sedan | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Sonata Limited 4-Dr Sedan | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Sonata Limited 4-Dr Sedan | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $210 | $362 | $500 | $30 | $150 | $1,252 | $104 |
| Sonata GLS 4-Dr Sedan | $210 | $362 | $500 | $30 | $150 | $1,252 | $104 |
| Sonata GLS 4-Dr Sedan | $210 | $362 | $500 | $30 | $150 | $1,252 | $104 |
| Sonata SE 4-Dr Sedan | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Sonata SE 4-Dr Sedan | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Sonata Limited 4-Dr Sedan | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Sonata Limited 4-Dr Sedan | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Prices do not factor in garaging location in San Diego which can revise premium rates noticeably.
Based on the above data, using a $100 deductible costs roughly $47 more each month or $564 a year than quoting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 19 months between claims, you would come out ahead by going with a higher deductible.
How to calculate deductible break even point
| Average monthly premium for $100 deductibles: | $155 |
| Average monthly premium for $1,000 deductibles (subtract): | – $108 |
| Monthly savings from raising deductible: | $47 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $47 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One thing to be aware of is that increasing deductibles to lower your rates means you will have to pay more when you have a comprehensive or collision claim. You need some extra savings in the event you need to pay the deductible for vehicle repair.
Cost difference between full coverage and liability
The information below shows the difference between Hyundai Sonata yearly insurance costs with full coverage and liability only. The price estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, married male driver, and no discounts are applied.
Are you wasting money paying for full coverage?
There is no set guideline of when to eliminate comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s say your Hyundai Sonata replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after the deductible is paid. If you are paying over $600 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Deductible analysis
The example below illustrates how your deductible choice and can influence Hyundai Sonata premium costs for different age categories. The data is based on a married male driver, comp and collision included, and no discounts are applied to the premium.
Auto insurance agents can help
Some consumers would rather sit down and talk to an agent and that can be a great decision One of the best bonuses of comparing auto insurance online is you can get cheaper prices and still choose a local agent. And providing support for local agents is important especially in San Diego.
Upon completion of this form (opens in new window), your insurance coverage information is immediately sent to participating agents in San Diego who will give competitive quotes for your business. There is no reason to contact any agents because prices are sent immediately to your email address. You can most likely find cheaper rates without requiring a lot of work. In the event you want to quote rates from a specific auto insurance provider, you just need to search and find their rate quote page and fill out the quote form the provide.
When researching local San Diego agents, there are two types of insurance agents that differ in how they can insure your vehicles. Agents may be either exclusive or independent.
Independent Auto Insurance Agencies
Agents in the independent channel are not restricted to one company so they can quote policies through lots of different companies enabling the ability to shop coverage around. If they find a lower price, the business is moved internally without you having to go to a different agency.
When comparing rates, you will definitely want to compare prices from at least one independent agent for maximum quote selection. Most also have access to companies you’ve never heard of that may have much lower rates than larger companies.
Shown below is a list of independent agents in San Diego who may provide price quote information.
- Kostyo Insurance Agency
4456 Vandever Ave #10 – San Diego, CA 92120 – (619) 325-3600 – View Map - Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map - Stanley Wong Insurance
4619 Convoy St # C – San Diego, CA 92111 – (858) 569-0383 – View Map
Exclusive Auto Insurance Agencies
Agents in the exclusive channel can only write with one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. These agents are highly trained on what they offer which helps offset the inability to provide other markets. Consumers often use the same agent partially due to the brand name and strong financial ratings.
Below are San Diego exclusive agents willing to provide price quote information.
- Kevin Kane – State Farm Insurance Agent
3914 Murphy Canyon Rd a252 – San Diego, CA 92123 – (858) 514-0385 – View Map - Mike Davis – State Farm Insurance Agent
2254 Moore St #103 – San Diego, CA 92110 – (619) 295-8412 – View Map - Bob Francy III – State Farm Insurance Agent
11885 Carmel Mountain Rd #905 – San Diego, CA 92128 – (858) 451-1915 – View Map
Picking an insurance agent shouldn’t rely on just the bottom line cost. The answers to these questions are important, too.
- When do they do a full risk review?
- Is their price quote a firm figure or are their hidden costs?
- By raising physical damage deductibles, how much would you save?
- How much training do they have in personal risk management?
- Who is covered by the car insurance policy?
- Will the agent or a CSR service your policy?