Feeling guilty for buying overpriced Hyundai Sonata insurance in Long Beach? You’re preaching to the choir because many consumers are feeling buyer’s remorse and feel like there’s no way out.
A recent survey discovered that a large majority of consumers kept their coverage with the same auto insurance company for at least the last four years, and virtually 40% of consumers have never taken the time to shop around. U.S. drivers could save nearly $860 each year, but they don’t believe the amount of savings they would get if they switch to a new company.
People have many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, so many choices can make it hard to find the best rates for your vehicles.
Score discounts to get cheaper Long Beach car insurance quotes
Some companies don’t always publicize every possible discount in an easy-to-find place, so the following list contains both the well known and also the more inconspicuous credits that may apply to you.
- Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can get savings of more than 20%.
- No Accidents – Insureds with no claims or accidents are rewarded with significantly better rates on Long Beach car insurance quote as compared to drivers with a long claim history.
- Theft Prevention Discount – Vehicles that have factory anti-theft systems can help prevent theft and will qualify for a discount on a Long Beach car insurance quote.
- Discounts for Federal Employees – Federal government employees could provide a small rate reduction with a few car insurance companies.
- Safety Course Discount – Taking a defensive driving course could cut 5% off your bill and make you a better driver.
- Discounts for Cautious Drivers – Insureds without accidents can get discounts for up to 45% lower rates than less cautious drivers.
- Save over 55 – Older drivers may be able to get reduced rates.
- Life Insurance – If the company offers life insurance, you could get better prices if you take out some life insurance in addition to your auto policy.
- Discount for Low Mileage – Fewer annual miles on your Hyundai may allow you to get cheaper premium rates.
- Savings for New Vehicles – Buying a new car model can cost up to 25% less because newer models keep occupants safer.
Don’t be shocked that most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. Even though it appears all those discounts means the company will pay you, it doesn’t quite work that way.
The example below shows the comparison of Hyundai Sonata premium costs with and without discounts applied to the premium. Data assumes a female driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, marriage, multi-policy, and claim-free discounts applied.
Larger car insurance companies and some of the premium reductions they offer are included below.
- AAA discounts include multi-policy, anti-theft, multi-car, good student, pay-in-full, and good driver.
- Progressive may have discounts that include online signing, multi-vehicle, multi-policy, good student, homeowner, online quote discount, and continuous coverage.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, passive restraint, defensive driving training, accident-free, student away at school, Drive Safe & Save, and anti-theft.
- Esurance may offer discounts for online shopper, emergency road assistance, multi-policy, anti-lock brakes, and good student.
- Nationwide has savings for good student, business or organization, family plan, multi-policy, Farm Bureau membership, and anti-theft.
If you want low cost Long Beach car insurance quotes, ask all companies you are considering which discounts they offer. Some discounts listed above might not apply in Long Beach. To see providers who offer cheap Hyundai Sonata insurance quotes in Long Beach, follow this link.
The quickest method to compare rates for Hyundai Sonata insurance in Long Beach is to take advantage of the fact auto insurance companies have advanced systems to give free rates quotes. The one thing you need to do is provide the companies a bit of rating information including if a SR-22 is needed, if the car is leased, how much coverage you want, and how much you drive. That rating information gets sent immediately to all major companies and they return rate quotes instantly.
To compare multiple company affordable Hyundai Sonata insurance rates now, click here and complete the form.
The following companies offer free rate quotes in Long Beach, CA. In order to find the cheapest car insurance in Long Beach, it’s a good idea that you visit two to three different companies to find the most competitive car insurance rates.
Statistics and details
The rate table shown below covers different rate quotes for Hyundai Sonata models. Learning how insurance quotes are determined can help guide drivers when making smart choices when buying a car 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 | |||||||
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can modify insurance rates significantly.
Higher deductibles save money
One frequently asked question is which deductibles should you choose. The premium rates below approximate the cost difference between low and high physical damage deductibles. The first pricing table uses a $100 deductible and the second set of rates uses a $500 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 | $278 | $464 | $500 | $30 | $150 | $1,422 | $119 |
| Sonata GLS 4-Dr Sedan | $278 | $464 | $500 | $30 | $150 | $1,422 | $119 |
| Sonata GLS 4-Dr Sedan | $278 | $464 | $500 | $30 | $150 | $1,422 | $119 |
| Sonata SE 4-Dr Sedan | $278 | $546 | $500 | $30 | $150 | $1,504 | $125 |
| Sonata SE 4-Dr Sedan | $278 | $546 | $500 | $30 | $150 | $1,504 | $125 |
| Sonata Limited 4-Dr Sedan | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| Sonata Limited 4-Dr Sedan | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in specific zip code location which can alter auto insurance rates noticeably.
Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $32 more each month or $384 annually averaged for all Sonata models than selecting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 13 months between claim filings, you would probably be better off if you elect the higher deductible.
Insurance premiums for males and females
The illustration below compares Hyundai Sonata insurance costs for male and female drivers. Data assumes no claims or driving violations, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are factored in.
Hyundai Sonata Insurance Premium Factors
One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that play a part in calculating your premiums. When you understand what controls the rates you pay, this allows you to make educated decisions that can help you get lower premium levels.
Only buy coverage you need – Insurance policies have a lot of extra add-on coverages that may not really be needed if you don’t pay attention. Coverages for replacement cost coverage, better glass coverage, and extra equipment coverage may be wasting your money. They may seem good when buying your policy, but your needs may have changed so eliminate them to save money.
High credit history translates to low premiums – A driver’s credit score can be an important factor in calculating your car insurance rates. Insureds with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit scores. If your credit is lower than you’d like, you could save money insuring your Hyundai Sonata by spending a little time repairing your credit.
Older drivers are lower risk – Older insureds are viewed as being more responsible, cost insurance companies less in claims, and are generally more financially stable. Drivers with little experience are statistically proven to be easily distracted when driving and because of this, their car insurance rates are much higher.
The following chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
Big city or small town – Residing in less populated areas of the country can be a good thing when insuring your vehicles. Fewer drivers means less chance of accidents and lower theft and vandalism rates. Drivers in populated California areas tend to have more traffic problems and higher rates of accident claims. More time on the road can result in more accidents.
Driving citations can increase costs – Your driving citation history impacts premiums far more than you think. Attentive drivers have lower premiums as compared to those with violations. Having a single moving violation can increase rates by as much as twenty percent. Drivers who get careless tickets such as reckless driving, hit and run or driving under the influence may need to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
The illustration below highlights how traffic violations and accidents impact Hyundai Sonata car insurance costs for each age group. The rate quotes are based on a married male driver, full coverage, $250 deductibles, and no discounts are applied.
Insurance losses for a Hyundai Sonata – Companies take into consideration historical loss data for every vehicle when setting rates for each model. Models that are shown to have higher loss trends will have increased rates. The table below shows the collected loss data for Hyundai Sonata vehicles.
For each coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is set at 100. Percentage values below 100 are indicative of better than average losses, while values that are 100 or greater indicate more frequent claims or tendency to have higher losses.
| Vehicle 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 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance can get complicated
Keep in mind that when it comes to choosing the right insurance coverage, there really is no one-size-fits-all type of policy. Everyone’s needs are different.
Here are some questions about coverages that may help highlight if your situation could use an agent’s help.
- When would I need additional glass coverage?
- Are rock chip repairs covered?
- Is my custom paint covered by insurance?
- Which companies are cheaper for teen drivers?
- How can I get my company to pay me more for my totaled car?
- What is the rate difference between pleasure use and commuting?
- At what point should I drop full coverage?
If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.
Buying insurance from Long Beach auto insurance agents
A lot of people would rather sit down with an agent and often times that is recommended One of the great benefits of comparing insurance online is you may find cheap insurance rates and still choose a local agent.
By using this simple form, the quote information is instantly submitted to companies in Long Beach who will gladly provide quotes to get your business. You never need to search for any insurance agencies since rate quotes are delivered straight to your inbox. You can find better rates without the usual hassles of price shopping. If you want to compare rates from a specific insurance provider, you can always find their quoting web page and fill out their quote form.
Finding the right insurer requires you to look at more than just the premium amount. Any agent in Long Beach should have no problem answering these questions:
- When do they do policy reviews?
- What are the financial ratings for the companies they represent?
- If they are an independent agency in Long Beach, which companies do they recommend?
- Is the agency involved in supporting local community causes?
- How much will you save each year by using a higher deductible?
- Are they full-time agents?
- How long has the business existed?
Car insurance is an important decision
Despite the potentially high cost of Hyundai Sonata insurance, insuring your vehicle is most likely required but also gives you several important benefits.
- Almost all states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability protection if you drive a vehicle. 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 your Hyundai Sonata has a loan, more than likely the lender will stipulate that you have insurance to guarantee loan repayment. If the policy lapses, the bank may insure your Hyundai at an extremely high rate and force you to pay the higher price.
- Car insurance preserves your vehicle and your assets. Insurance will pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage will also pay to defend you if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your Sonata outweigh the cost, especially with large liability claims. Today the average American driver is overpaying more than $800 each year so you should quote your policy with other companies once a year at a minimum to ensure rates are competitive.
Long Beach auto insurance companies ranked
Buying coverage from a good quality car insurance provider is hard considering how many companies there are in Long Beach. The company information in the next section could help you analyze which car insurance providers to look at when comparing rates.
Top 10 Long Beach 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
Top 10 Long Beach Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Cheap coverage is out there
We’ve covered many ideas to get a better price on Hyundai Sonata insurance in Long Beach. The key thing to remember is the more price quotes you have, the better likelihood of getting affordable Long Beach car insurance quotes. Consumers may even find the lowest premium rates are with the smaller companies.
Cheaper Hyundai Sonata insurance in Long Beach can be found on the web and also from your neighborhood Long Beach agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not have rates over the internet and most of the time these smaller providers sell through independent insurance agents.
When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced physical damage coverage only to discover later that it was a big mistake. Your goal should be to buy enough coverage at the best price while still protecting your assets.
How to save money on Hyundai Sonata insurance in Long Beach
The easiest way to get cheaper Hyundai Sonata insurance is to compare prices regularly from companies who sell auto insurance in Long Beach. You can compare prices by following these steps.
- First, take a little time to learn about the coverage provided by your policy and the steps you can take to prevent expensive coverage. Many risk factors that cause rate increases such as distracted driving and a poor credit score can be controlled by making small lifestyle or driving habit changes.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like Progressive and State Farm, while independent agencies can provide price quotes for a wide range of insurance providers. Get quotes now
- Third, compare the new quotes to your existing policy to see if cheaper Sonata coverage is available. If you find a better price, verify that coverage does not lapse between policies.
A good piece of advice is to compare the same amount of coverage on each quote request and and to get rates from as many car insurance companies as possible. Doing this helps ensure a fair price comparison and the best rate selection.
Additional articles
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance Quotes for Hybrid Vehicles in Long Beach? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Safe Drivers in Long Beach? (FAQ)
- Who Has Cheap Long Beach Car Insurance for Handicapped Drivers? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Tools for Teen Driving Safety (State Farm)