How long has it been since you compared quotes for the cheapest Hyundai Sonata insurance in Miami? Locating better insurance prices for your Hyundai Sonata in Florida can be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to buy insurance so you’re going to learn the best way to get price quotes for a new or used Hyundai and find the best price possible.
You need to quote other rates occasionally because insurance rates fluctuate regularly. Just because you had the lowest premium rates on Hyundai Sonata insurance in Miami a couple years back a different company probably has better prices today. Forget anything you know (or think you know) about insurance because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money on Hyundai Sonata insurance in Miami.
Locating the most cost-effective car insurance policy in Miami is much easier if you have a good place to start. If you are already insured or just want to save money, you can learn to reduce premiums and still get good coverage. Drivers just have to learn the best way to compare company rates online from multiple companies.
Finding a better price on car insurance doesn’t have to be difficult. The only requirement is to take a few minutes comparing rate quotes online with multiple companies.
The companies shown below provide free rate quotes in Miami, FL. To find cheap car insurance in FL, we recommend you visit several of them to get a more complete price comparison.
Why auto insurance is not optional
Even though Miami Sonata insurance rates can get expensive, insuring your vehicle is most likely required but also gives you several important benefits.
- Just about all states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability coverage if you don’t want to risk a ticket. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your vehicle with a loan, it’s most likely the lender will have a requirement that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender will be forced to insure your Hyundai at a much higher rate and force you to pay the higher premium.
- Insurance protects both your vehicle and your assets. It will also pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of an accident. If you have damage to your Hyundai as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of buying enough insurance are definitely more than the cost, especially if you ever need it. As of last year, the average driver in Florida overpays as much as $820 a year so compare rates at every policy renewal to be sure current rates are still competitive.
Rates and information analytics
The coverage table shown below covers detailed analysis of insurance rates for Hyundai Sonata models. Understanding more about how insurance prices are determined can assist in making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $204 | $372 | $452 | $26 | $136 | $1,190 | $99 |
| Sonata GLS 4-Dr Sedan | $204 | $372 | $452 | $26 | $136 | $1,190 | $99 |
| Sonata GLS 4-Dr Sedan | $204 | $372 | $452 | $26 | $136 | $1,190 | $99 |
| Sonata SE 4-Dr Sedan | $204 | $438 | $452 | $26 | $136 | $1,256 | $105 |
| Sonata SE 4-Dr Sedan | $204 | $438 | $452 | $26 | $136 | $1,256 | $105 |
| Sonata Limited 4-Dr Sedan | $230 | $438 | $452 | $26 | $136 | $1,282 | $107 |
| Sonata Limited 4-Dr Sedan | $230 | $438 | $452 | $26 | $136 | $1,282 | $107 |
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Estimates do not factor in specific location information which can alter price quotes significantly.
Can higher deductibles save money?
One of the most common auto insurance questions is how high should the physical damage deductibles be. The following tables determine the differences in premium rates when you select higher and lower physical damage deductibles. The first price estimate table uses a $250 deductible for physical damage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $322 | $544 | $472 | $28 | $142 | $1,533 | $128 |
| Sonata GLS 4-Dr Sedan | $322 | $544 | $472 | $28 | $142 | $1,533 | $128 |
| Sonata GLS 4-Dr Sedan | $322 | $544 | $472 | $28 | $142 | $1,533 | $128 |
| Sonata SE 4-Dr Sedan | $322 | $640 | $472 | $28 | $142 | $1,629 | $136 |
| Sonata SE 4-Dr Sedan | $322 | $640 | $472 | $28 | $142 | $1,629 | $136 |
| Sonata Limited 4-Dr Sedan | $364 | $640 | $472 | $28 | $142 | $1,671 | $139 |
| Sonata Limited 4-Dr Sedan | $364 | $640 | $472 | $28 | $142 | $1,671 | $139 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $262 | $438 | $472 | $28 | $142 | $1,342 | $112 |
| Sonata GLS 4-Dr Sedan | $262 | $438 | $472 | $28 | $142 | $1,342 | $112 |
| Sonata GLS 4-Dr Sedan | $262 | $438 | $472 | $28 | $142 | $1,342 | $112 |
| Sonata SE 4-Dr Sedan | $262 | $516 | $472 | $28 | $142 | $1,420 | $118 |
| Sonata SE 4-Dr Sedan | $262 | $516 | $472 | $28 | $142 | $1,420 | $118 |
| Sonata Limited 4-Dr Sedan | $296 | $516 | $472 | $28 | $142 | $1,454 | $121 |
| Sonata Limited 4-Dr Sedan | $296 | $516 | $472 | $28 | $142 | $1,454 | $121 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify rates significantly.
Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $17 more each month or $204 for a full year than quoting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 15 months between claim filings, you would probably save some money if you opt for a higher deductible.
The diagram below shows how choosing a deductible and can affect Hyundai Sonata insurance costs for each different age category. The prices are based on a single male driver, full coverage, and no additional discounts are factored in.
Auto insurance rates are higher with tickets and accidents
The diagram below highlights how traffic violations and at-fault fender-benders drive up Hyundai Sonata insurance premiums for each age group. The premiums are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
Miami car insurance discounts
Companies that sell car insurance don’t necessarily list all their discounts in an easy-to-find place, so the following list contains both the well known and also the more inconspicuous discounts that may be available. If you don’t get every credit possible, you’re just leaving money on the table.
- Discount for New Cars – Buying a new car instead of a used Sonata is cheaper since new vehicles are generally safer.
- Miami Homeowners Discount – Being a homeowner can help you save on car insurance since owning and maintaining a home requires personal responsibility.
- Clubs and Organizations – Affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your next renewal.
- Theft Deterrent – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.
- Telematics Discount – Policyholders that allow their car insurance company to scrutinize when and where they use their vehicle remotely such as Progressive’s Snapshot could see a rate decrease as long as the data is positive.
- Mature Driver Discount – If you qualify as a senior citizen, you can get a small decrease in premiums.
- Air Bag Discount – Options like air bags and/or automatic seat belt systems could see savings of more than 20%.
- Government Employees – Active or former government employment can earn a discount up to 10% depending on your car insurance provider.
- Military Deployment Discount – Having a deployed family member could be rewarded with lower car insurance rates.
- Discount for Multiple Policies – If you can bundle your home and auto insurance with the same insurance company they may give you a discount of approximately 10% to 15%.
Keep in mind that most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, nobody gets a free ride.
The diagram below visualizes the comparison of Hyundai Sonata insurance premiums with and without some available policy discounts. The information is based on a male driver, no violations or accidents, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, multi-policy, marriage, and safe-driver discounts applied.
A few popular companies and a summarized list of policyholder discounts are included below.
- 21st Century offers premium reductions for good student, theft prevention, early bird, air bags, 55 and older, and student driver.
- State Farm may have discounts that include student away at school, multiple policy, passive restraint, good driver, and Steer Clear safe driver discount.
- AAA may offer discounts for multi-policy, good driver, education and occupation, good student, and anti-theft.
- Liberty Mutual discounts include multi-car, good student, exclusive group savings, multi-policy, newly married, and preferred payment discount.
- Progressive policyholders can earn discounts including multi-policy, good student, online quote discount, multi-vehicle, and online signing.
If you need lower rates, check with each company or agent which discounts they offer. Discounts might not apply in Miami. To view car insurance companies that offer discounts in Florida, click this link.
Neighborhood agents and auto insurance
Some consumers just prefer to get advice from a local agent and that can be a great decision Most agents can help you choose the best coverages and help in the event of a claim. One of the benefits of comparing rates online is that drivers can save money and get better rates and still have a local agent.
Once you complete this quick form, your insurance data gets sent to participating agents in Miami who will gladly provide quotes for your insurance coverage. You won’t even need to search for any insurance agencies due to the fact that quote results will go to you directly. If you want to compare rates from a specific company, don’t hesitate to go to their quote page and complete a quote there.
Deciding on an company is decision based upon more than just the price. These are valid questions to ask:
- Are there any discounts for paying up front?
- If they are an independent agency in Miami, which companies do they recommend?
- Is coverage determined by price?
- Is there a 24/7 contact number?
- Do they prorate repair cost based on vehicle mileage?
- Are you getting all the discounts the company offers?
- Which company do they place the most coverage with?
- Will the agent help in case of a claim?
Different types of Miami auto insurance agents
If you want to buy auto insurance from local Miami agents, there are two different types of agents that differ in how they can insure your vehicles. Agencies in Miami can be classified as either independent agents or exclusive agents. Both can sell affordable auto insurance policies, but it’s a good idea to understand the difference in the companies they write for since it can affect which type of agent you select.
Exclusive Auto Insurance Agents
Exclusive agents normally can only provide a single company’s rates and some examples include Allstate and State Farm. Exclusive agents cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are usually well trained on their company’s products which helps them sell on service rather than price. Some consumers prefer to buy from the same agent for years mainly due to the prominence of the brand rather than having the cheapest rates.
Listed below are Miami exclusive insurance agencies who can help you get rate quotes.
- State Farm: Carlos Luis
6001 Bird Rd – Miami, FL 33155 – (305) 663-2300 – View Map - Allstate Insurance: Eduardo Ferraz
1110 Brickell Ave Ste 105 – Miami, FL 33131 – (305) 379-3666 – View Map - Allstate Insurance: Pamela Brumer
141 Alton Rd – Miami Beach, FL 33139 – (305) 531-1223 – View Map
Independent Insurance Agents
Independent insurance agents are normally appointed by many insurers so they can quote policies with an assortment of companies and find you the best rates. To move your coverage to a new company, an independent agent can move your coverage which is easy for the insured. If you need lower rates, we recommend you get quotes from several independent insurance agents for the best price selection. A lot of them also have access to small mutual carriers which could offer lower prices.
Below are Miami independent insurance agents willing to provide comparison quotes.
- Koski and Co. Insurance Agents
9875 Sunset Dr – Miami, FL 33173 – (305) 595-2127 – View Map - Tropical Insurance
8700 W Flagler St # 230 – Miami, FL 33174 – (305) 221-2400 – View Map - All Security Insurance Agency, Inc.
373 N Royal Poinciana Blvd – Miami Springs, FL 33166 – (305) 887-9544 – View Map
Do I need special coverages?
When quoting and comparing your policy, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that
These are some specific questions may help you determine if your insurance needs would benefit from professional advice.
- What does medical payments cover?
- Is my custom paint covered by insurance?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Is my son or daughter covered when driving my car?
- Do I have coverage when using my vehicle for my home business?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Am I covered when using my vehicle for business?
- Will I lose any money if I cancel my policy before it expires?
- Does having multiple vehicles earn me a discount?
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.
Coverages available on your policy
Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types offered by car insurance companies.
Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for expenses such as pain medications, dental work and nursing services. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Collision coverage – Collision insurance pays for damage to your Sonata from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as hitting a parking meter, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible on your Sonata to bring the cost down.
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Hyundai Sonata.
Because many people only purchase the least amount of liability that is required (Florida limits are 10/20/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like rock chips in glass, damage from flooding, hitting a bird and fire damage. The most your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Liability – Liability coverage provides protection from damage that occurs to people or other property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 10/20/10 which stand for a $10,000 limit per person for injuries, $20,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property.
Liability insurance covers claims like structural damage, pain and suffering, loss of income, legal defense fees and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible. Florida requires minimum liability limits of 10/20/10 but drivers should carry more coverage.
The next chart shows why buying minimum limits may not be high enough to cover claims.
Get the best coverage at the best price
When getting Miami auto insurance quotes online, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where someone sacrificed physical damage coverage only to regret that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the lowest possible cost, not the least amount of coverage.
Discount Hyundai Sonata insurance in Miami can be bought on the web and with local Miami insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not offer internet price quotes and most of the time these smaller providers sell through independent agencies.
Steps to finding discount Hyundai Sonata insurance in Miami
If saving money is your primary concern, then the best way to get the cheapest auto insurance rates in Miami is to regularly compare price quotes from insurance carriers who can sell car insurance in Florida. You can compare prices by following these steps.
- Step 1: Read and learn about how car insurance works and the measures you can take to drop your rates. Many risk factors that are responsible for high rates like speeding tickets, accidents and bad credit can be rectified by making lifestyle changes or driving safer.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while independent agencies can give you price quotes for many different companies.
- Step 3: Compare the new rates to the premium of your current policy to see if a cheaper rate is available. If you can save money and make a switch, ensure there is no coverage lapse between policies.
- Step 4: Provide adequate notice to your current company of your decision to cancel your current car insurance policy and submit the signed application along with the required initial payment to the new company. Immediately place your new proof of insurance certificate with your vehicle’s registration.
One thing to point out is to try to compare the same amount of coverage on each quote request and and to get price estimates from as many auto insurance providers as possible. This guarantees an apples-to-apples comparison and the best price selection.
To read more, link through to these articles:
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Who Has the Cheapest Miami Auto Insurance for Good Drivers? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Single Moms in Miami? (FAQ)
- What is the Cheapest Car Insurance in Miami, Florida? (FAQ)
- What Insurance is Cheapest for Uber Drivers in Miami? (FAQ)
- What Car Insurance is Cheapest for a Company Car in Miami? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Chevrolet Silverado in Miami? (FAQ)
- Choosing an Insurance Company (Insurance Information Institute)
- Information for Teen Drivers (GEICO)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Top Signs Your Brakes are Giving Out (State Farm)