Want to know how to find more competitive Hyundai Sonata insurance in Los Angeles? Did a good deal turn out to be an overpriced insurance policy? Don’t feel bad because you are not the only one feeling buyer’s remorse.
Remarkably, a study showed that a large majority of insurance policyholders have remained with the same insurance company for at least the last four years, and nearly half have never quoted insurance rates at all. With the average premium in California being $1,390, drivers can save hundreds of dollars each year, but they don’t know the actual amount they would save if they bought a different policy.
Because you have many options when it comes to insurance, it can be hard to choose a more affordable insurance company.
Get cheap Hyundai Sonata insurance in Los Angeles with discounts
Insurance can cost an arm and a leg, but you might already qualify for some discounts that could drop your premiums quite a bit. Most are applied at the time of quoting, but some need to be inquired about before being credited.
- Mature Driver Discount – Mature drivers can get a small decrease in premiums.
- Discount for Life Insurance – Insurance carriers who offer life insurance give better premium rates if you take out life insurance.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
- Active Military Service – Having an actively deployed family member could mean lower rates.
- Low Miles Discount – Keeping the miles down on your Hyundai may enable drivers to earn lower rates on the low mileage vehicles.
- Buy New and Save – Buying a new car model can be considerably cheaper due to better safety requirements for newer models.
- Early Switch Discount – Some insurance companies give discounts for buying a policy prior to the expiration date on your current Sonata insurance policy. It can save you around 10%.
- Accident Waiver – Not really a discount, but a handful of insurance companies will allow you to have one accident without raising rates if you are claim-free before the accident.
- Claim-Free Discount – Los Angeles drivers who stay claim-free can save substantially when compared with bad drivers.
- Multi-Vehicle Discounts – Purchasing coverage when you have more than one vehicle with one company can get a discount on all vehicles.
Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you could get a free insurance policy, companies wouldn’t make money that way. Any qualifying discounts should help reduce your insurance premiums.
The chart below shows the difference between Hyundai Sonata insurance rates with and without discounts applied to the policy rates. The premiums assume a male driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, multi-policy, safe-driver, and marriage discounts applied.
For a list of providers with significant discounts in California, click here.
The quickest method we recommend to compare car insurance company rates for Hyundai Sonata insurance in Los Angeles is to realize most insurance companies allow for online access to give rate comparisons. The only thing you need to do is give the companies some data such as whether you are married, the type of vehicles you drive, whether or not you need a SR-22, and whether you have decent credit. Your insurance information is sent automatically to insurance carriers in your area and you should receive rate quotes within a short period of time.
If you would like to start a quote now, click here and complete the form.
The companies shown below offer free quotes in Los Angeles, CA. If multiple providers are shown, we recommend you visit several of them to get the most affordable price.
Statistics and details
The coverage information displayed next highlights detailed analysis of insurance policy prices for Hyundai Sonata models. Being able to understand how insurance prices are calculated can aid in making smart choices when purchasing an auto insurance policy.
| 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 Customized Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in vehicle location which can decrease or increase coverage prices substantially.
Choosing deductibles
When buying car insurance, a common question is which deductibles should you choose. The following tables can help you understand the rate difference when you buy lower versus higher deductibles. The first table uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $342 | $576 | $500 | $30 | $150 | $1,623 | $135 |
| Sonata GLS 4-Dr Sedan | $342 | $576 | $500 | $30 | $150 | $1,623 | $135 |
| Sonata GLS 4-Dr Sedan | $342 | $576 | $500 | $30 | $150 | $1,623 | $135 |
| Sonata SE 4-Dr Sedan | $342 | $678 | $500 | $30 | $150 | $1,725 | $144 |
| Sonata SE 4-Dr Sedan | $342 | $678 | $500 | $30 | $150 | $1,725 | $144 |
| Sonata Limited 4-Dr Sedan | $386 | $678 | $500 | $30 | $150 | $1,769 | $147 |
| Sonata Limited 4-Dr Sedan | $386 | $678 | $500 | $30 | $150 | $1,769 | $147 |
| Get Your Own Customized 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 Customized Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in specific location information which can change coverage prices significantly.
Based on the above data, using a $250 deductible will cost you approximately $33 more each month or $396 every year across all Hyundai Sonata models than quoting the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 23 months between claims, you would probably be better off going with the higher deductible.
The information below shows how choosing a deductible and can change Hyundai Sonata annual premium costs for different ages of insureds. The data assumes a single male driver, full physical damage coverage, and no discounts are applied to the premium.
How accidents and tickets impact rates
The chart below highlights how speeding tickets and at-fault fender-benders influence Hyundai Sonata auto insurance costs for different insured age categories. The data is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
Price comparison of only insuring for liability
The example below illustrates the comparison of Hyundai Sonata car insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no violations or accidents, $500 deductibles, marital status is single, and no additional discounts are factored in.
Should you be buying full coverage?
There isn’t a written rule to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Hyundai Sonata book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after paying the physical damage deductible. If it’s costing you more than $500 annually for your policy with full coverage, then it could be time to drop full coverage.
There are a few situations where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not drop full coverage.
What insurance coverages do I need?
Always keep in mind that when comparing the best car insurance coverage for your vehicles, there is no perfect coverage plan. Your situation is unique and your car insurance should be unique as well.
Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.
- How long can I keep a teen driver on my policy?
- Is motorclub coverage worth it?
- Can I still get insurance after a DUI?
- What is the rate difference between pleasure use and commuting?
- Do I need added coverage for expensive stereo equipment?
- Will my rates increase for filing one claim?
- Am I covered when pulling a rental trailer?
- Does every company file a SR-22 automatically?
If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.
Local Los Angeles insurance agencies and car insurance
Some people just want to talk to a local agent and we recommend doing that An additional benefit of price shopping on the web is the fact that you can find cheap car insurance quotes but also keep your business local.
For easy comparison, once you complete this quick form, the quote information is sent to agents in your area who want to provide quotes for your business. You won’t need to visit any agencies because quoted prices will be sent to your email. It’s the lowest rates without the usual hassles of price shopping. If you wish to compare prices from a specific car insurance provider, you can always visit that company’s website and give them your coverage information.
Selecting an insurance company shouldn’t rely on just the quoted price. These are some valid questions you should ask.
- Do they offer claims assistance after hours?
- By raising physical damage deductibles, how much would you save?
- Does the agent recommend any additional coverage?
- How many years have they been established?
- Are claim adjusters local or do you have to take your car somewhere else?
If you are searching for a reputable agency, there are two different types of agents and how they work. Agents are classified as either exclusive or independent agents depending on their company appointments.
Exclusive Agents
Agents that elect to be exclusive generally can only insure with one company and some examples include AAA, Allstate, and State Farm. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. Exclusive insurance agents receive a lot of sales training on sales techniques and that allows them to sell at a higher price point.
Listed below are exclusive agencies in Los Angeles who may provide you with price quotes.
Warren Bell – State Farm Insurance Agent
1111 S Grand Ave #102 – Los Angeles, CA 90015 – (213) 741-6000 – View Map
Michael Chien – State Farm Insurance Agent
318 1/2 S La Brea Ave #2 – Los Angeles, CA 90036 – (323) 932-2557 – View Map
Sean M Brown – State Farm Insurance Agent
3130 S Sepulveda Blvd f – Los Angeles, CA 90034 – (310) 479-0080 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent do not work for one specific company so they can insure your vehicles through many companies and potentially find a lower price. If you want to switch companies, your policy is moved internally and you can keep the same agent. When comparing rates, we recommend you contact several independent insurance agents to ensure the widest selection of prices.
Below are Los Angeles independent insurance agents that are able to give rate quotes.
Ken Donaldson Insurance Agency
6108 Venice Blvd – Los Angeles, CA 90034 – (310) 451-4943 – View Map
Starco Insurance
1905 S Western Ave #19 – Los Angeles, CA 90018 – (310) 215-9991 – View Map
Lloyd S. Berkett Insurance Agency, Inc.
11150 W Olympic Blvd # 1100 – Los Angeles, CA 90064 – (310) 857-5757 – View Map
Final considerations
Throughout this article, we presented a lot of techniques to compare Hyundai Sonata insurance auto insurance rates in Los Angeles. The key concept to understand is the more companies you get premium rates for, the better chance you’ll have of finding affordable Los Angeles car insurance quotes. Consumers could even find that the lowest auto insurance rates are with a lesser-known regional company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.
Some insurance providers may not have online rate quotes and many times these small, regional companies prefer to sell through local independent agents. More affordable car insurance in Los Angeles is possible both online as well as from insurance agents, so you should compare both to have the best rate selection.
More information is located at the links below
- Frontal Crash Tests (iihs.org)
- What Car Insurance is Cheapest for a Nissan Altima in Los Angeles? (FAQ)
- Who Has Cheap Los Angeles Auto Insurance for 19 Year Olds? (FAQ)
- Who Has the Cheapest Los Angeles Auto Insurance for Handicapped Drivers? (FAQ)
- Who Has the Cheapest Car Insurance for Retired Military in Los Angeles? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Safety Belts FAQ (iihs.org)