Auto Insurance Rate Quotes for a Hyundai Sonata in Santa Ana

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We don't have to point out that fact that car insurance companies don't want you to compare rates. Consumers who get price comparisons are likely to buy a new policy because there is a good probability of finding good coverage at a lower price. Remarkably, a study showed that consumers who compared prices once a year saved about $865 annually compared to other drivers who never shopped around for cheaper prices.

If finding the most affordable car insurance in Santa Ana is your ultimate objective, knowing the best way to shop and compare auto insurance can help make the process easier.

Insurance quote for Hyundai Sonata in Santa AnaIt takes a little time, but the best way to find better pricing on Hyundai Sonata insurance is to compare quotes annually from different companies that insure vehicles in Santa Ana.

  1. Get an understanding of how companies set rates and the things you can control to lower rates. Many policy risk factors that are responsible for high rates such as traffic violations and a less-than-favorable credit rating can be rectified by paying attention to minor details. Read the full article for additional ideas to find cheap prices and get discounts that may be overlooked.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like GEICO and State Farm, while independent agencies can provide prices from many different companies.
  3. Compare the new rate quotes to your current policy premium and determine if there is any savings. If you find a better price and decide to switch, verify that coverage does not lapse between policies.

One key aspect when comparing rates is that you use the same level of coverage on each quote and and to analyze every insurance company. This ensures a fair price comparison and the most accurate and complete price analysis.

Most larger insurance companies give pricing online. Getting online quotes for Hyundai Sonata insurance in Santa Ana is fairly straightforward as you just type in your coverage preferences as detailed in the form. After you complete the form, their system automatically orders your driving and credit reports and gives you a price quote. This makes it easy to compare insurance prices and it's absolutely necessary to get many rate quotes in order to find lower-cost rates.

To save time and compare pricing, consider comparing rates from the companies shown below. To compare your current rates, we recommend you enter coverages and limits as close as possible to your current policy. This guarantees you will receive comparison quotes based on the exact same insurance coverage.

The providers in the list below are ready to provide comparison quotes in Santa Ana, CA. If several companies are displayed, it's a good idea that you visit several of them to get the best price comparison.

Analysis of Hyundai Sonata rates

The premium table displayed below outlines estimates of coverage costs for Hyundai Sonata models. Being aware of how insurance rates are figured can aid in making informed decisions when shopping around for a new policy.

Hyundai Sonata Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $308 $570 $674 $40 $202 $1,794 $150
Sonata GLS 4-Dr Sedan $308 $570 $674 $40 $202 $1,794 $150
Sonata GLS 4-Dr Sedan $308 $570 $674 $40 $202 $1,794 $150
Sonata SE 4-Dr Sedan $308 $672 $674 $40 $202 $1,896 $158
Sonata SE 4-Dr Sedan $308 $672 $674 $40 $202 $1,896 $158
Sonata Limited 4-Dr Sedan $348 $672 $674 $40 $202 $1,936 $161
Sonata Limited 4-Dr Sedan $348 $672 $674 $40 $202 $1,936 $161
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Information does not factor in specific garaging location which can lower or raise insurance rates noticeably.

Where to set your deductibles

A question often asked by Santa Ana drivers is what deductibles to buy. The premium rates below can help you visualize the price difference when you select higher and lower insurance deductibles. The first data table uses a $100 deductible for physical damage and the second price table uses a $1,000 deductible.

Hyundai Sonata insurance prices with $100 deductibles
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
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Hyundai Sonata insurance prices with $1,000 deductibles
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
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in vehicle garaging location which can increase or decrease auto insurance rates greatly.

We can derive from the above data that using a $100 deductible costs an average of $47 more each month or $564 for a full year than buying the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 19 months between claims, you would most likely save money if you elect the higher deductible. Below is an example of how you can make this decision for your own policy.

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 big caveat is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you have a physical damage claim. That will require enough money stashed away in order to pay more for the deductible.

The diagram below illustrates how your deductible choice and can impact Hyundai Sonata annual premium costs for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Earn discounts to get lower-cost Santa Ana car insurance rates

Car insurance is not inexpensive, but you might be missing out on some discounts that you may not know about. Certain reductions will be credited when you get a quote, but once in a while a discount must be specifically requested before they will apply.Save money with discounts

  • Theft Prevention Discount - Cars, trucks, and SUVs with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Waiver for an Accident - This one isn't a discount, but some companies like Progressive and Allstate permit an accident before they charge you more for coverage as long as you don't have any claims prior to being involved in the accident.
  • Santa Ana Homeowners Discount - Just being a homeowner can get you a discount because it shows financial diligence.
  • Defensive Driver Discount - Participating in a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
  • Discount for New Cars - Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.
  • Anti-lock Brakes - Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions so you can save 10 percent or more.
  • Discount for Swiching Early - Some larger companies provide a discount for switching companies early. It can save you around 10%.

As a sidenote, most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will positively reduce the premium cost.

The information below shows the comparison of Hyundai Sonata yearly insurance costs with and without discounts applied to the premium. The information is based on a female driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, marriage, safe-driver, and claim-free discounts applied.

To see a list of insurers with the best discounts in Santa Ana, click here to view.

Three reasons to insure your Hyundai Sonata

Despite the high insurance cost for a Hyundai Sonata in Santa Ana, insurance is required in California but it also protects you in many ways.

  • The majority of states have minimum liability requirements which means state laws require a minimum amount of liability coverage in order to get the vehicle licensed. 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 you have a lien on your Sonata, most lenders will make it a condition of the loan that you carry insurance to guarantee payment of the loan. If the policy lapses, the bank may insure your Hyundai at a much higher premium rate and require you to reimburse them for the expensive policy.
  • Insurance safeguards not only your vehicle but also your assets. It will also provide coverage for many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if you are named as a defendant in an auto accident. If you have damage to your Hyundai as the result of the weather or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of insuring your Sonata are without a doubt worth the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is wasting up to $700 annually so you should quote rates at every policy renewal to ensure rates are competitive.

Which auto insurance company is best in California?

Selecting the top company can be challenging considering how many choices drivers have in California. The ranking information listed below can help you pick which providers you want to consider purchasing a policy from.

Top 10 Santa Ana Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA of Southern California - 92%
  4. AAA Insurance - 91%
  5. Nationwide - 90%
  6. State Farm - 90%
  7. The Hartford - 89%
  8. GEICO - 89%
  9. The General - 88%
  10. 21st Century - 88%

Top 10 Santa Ana Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Esurance - A+
  6. Nationwide - A+
  7. Allstate - A+
  8. Mercury Insurance - A+
  9. Progressive - A+
  10. Titan Insurance - A+

Different people need different insurance coverages

When quoting and comparing the right insurance coverage, there really is not a "best" method to buy coverage. You are unique.Safe vehicles cost less to insure

Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

  • Will my Hyundai Sonata be repaired with OEM or aftermarket parts?
  • How much liability coverage do I need in California?
  • Is there a penalty for late payment?
  • Do I need to file an SR-22 for a DUI in California?
  • Can I afford to pay high deductible claims out of pocket?
  • When does my teenage driver need to be added to my policy?

If you're not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Compare rate quotes but work with a local Santa Ana insurance agent

A lot of people still like to talk to a local agent and that is a personal choice. Licensed agents can point out coverage gaps and will help you if you have claims. One of the great benefits of comparing rate quotes online is you may find cheaper rates and still have a local agent. Buying from local insurance agents is important particularly in Santa Ana.

Insurance agents in Santa AnaTo help locate an agent, after submitting this short form, your information is instantly submitted to participating agents in Santa Ana who will give competitive quotes to get your business. You won't need to contact any agents since price quotes are sent to your email. If you need to quote rates from a specific insurance provider, you would need to visit that company's website and fill out the quote form the provide.

Do you need an independent or exclusive auto insurance agent?

When looking for a reputable insurance agent or broker, it's helpful to know the types of agencies that differ in how they can insure your vehicles. Agents in Santa Ana are classified as either exclusive agents or independent agents. Either one can write insurance policies, but it is a good idea to know how they are different because it can impact buying decisions.

Independent Agencies or Brokers

Independent agents are not required to write business for one company so they have the ability to put coverage through many companies and find the cheapest insurance rates. If you are not satisfied with one company, the business is moved internally and you stay with the same agent. When comparison shopping, you definitely need to contact at a minimum one independent agency to ensure the widest selection of prices.

Listed below is a small list of independent agencies in Santa Ana that may be able to give price quotes.

400 N Tustin Ave # 425 - Santa Ana, CA 92705 - (714) 558-8041 - View Map

Ayala's Insurance
2020 N Grand Ave #107 - Santa Ana, CA 92705 - (714) 210-5770 - View Map

Quality Plus Insurance Agency
1450 N Tustin Ave # 221 - Santa Ana, CA 92705 - (714) 245-1200 - View Map

More insurance agents

Exclusive Agencies

Agents in the exclusive channel are contracted to one company and some examples include State Farm or Allstate. Exclusive agents are unable to give you multiple price quotes so keep that in mind. They are well schooled in insurance sales which helps them sell on service rather than price.

Listed below is a short list of exclusive insurance agents in Santa Ana willing to provide price quote information.

1647 E First St a - Santa Ana, CA 92701 - (714) 285-0303 - View Map

207 N Main St - Santa Ana, CA 92701 - (714) 202-0092 - View Map

2723 N Bristol St #1 - Santa Ana, CA 92706 - (714) 543-0422 - View Map

More insurance agents

Finding the right insurance agent shouldn't rely on just a cheap price. Here are some questions to ask:

  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Does the agent recommend any additional coverage?
  • Can you use your own choice of collision repair facility?
  • Is auto insurance their primary focus in Santa Ana?
  • Do they assist clients in filing claims?
  • How long has the business existed?
  • Do you qualify for any additional discounts?

Insurance coverage options for a Hyundai Sonata

Understanding the coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Hyundai Sonata.

Since many California drivers only carry the minimum required liability limits (which is 15/30/5), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Coverage for collisions

This pays for damage to your Sonata from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, crashing into a building, backing into a parked car, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible on your Sonata to get cheaper collision coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses such as prosthetic devices, nursing services and doctor visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, hitting a deer, fire damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Liability auto insurance

Liability insurance can cover damage that occurs to other's property or people. This coverage protects you against claims from other people. Liability doesn't cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 15/30/5 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as emergency aid, pain and suffering and structural damage. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but you should think about purchasing more coverage.

The next chart shows why buying low liability limits may not provide you with enough coverage.