Insurance for Hyundai SonataHow long has it been since the last time you looked for the cheapest insurance rates in San Jose, CA? San Jose shoppers have a choice when shopping for the best price on Hyundai Sonata insurance. You can either waste hours driving around to get rate comparisons or use the internet to compare rates.

There are both good and bad ways to shop for insurance and we'll show you the absolute fastest way to get price quotes on a Hyundai and find the cheapest rates either online or from San Jose insurance agents.

Amazingly, the vast majority of consumers have remained with the same insurance company for well over three years, and approximately 40% of consumers have never even compared rates from other companies. With the average premium in California being $1,387, drivers can cut their rates by about 35% a year by just shopping around, but they don't invest the time required to go online and compare rates.

The providers in the list below offer comparison quotes in California. If multiple companies are listed, we recommend you compare several of them to get the lowest price.

Hyundai Sonata Insurance Estimates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $182 $354 $564 $34 $168 $1,302 $109
Sonata GLS 4-Dr Sedan $366 $776 $650 $38 $194 $2,024 $169
Sonata GLS 4-Dr Sedan $378 $708 $674 $40 $202 $2,002 $167
Sonata SE 4-Dr Sedan $238 $564 $564 $34 $168 $1,568 $131
Sonata SE 4-Dr Sedan $328 $766 $650 $38 $194 $1,976 $165
Sonata Limited 4-Dr Sedan $300 $618 $650 $38 $194 $1,800 $150
Sonata Limited 4-Dr Sedan $428 $834 $674 $40 $202 $2,178 $182
Get Your Own Custom Quote Go

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Prices do not factor in garaging location in San Jose which can lower or raise price quotes substantially.

Violations and accidents raise rates

The illustration below highlights how traffic violations and accidents can increase Hyundai Sonata insurance costs for different age groups. The prices are based on a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

Men versus women drivers and insurance cost

The example below illustrates the comparison of Hyundai Sonata insurance costs for male and female drivers. Data assumes no claims or driving violations, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are applied.

Comparison of policy deductibles

One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The premium rates below can help you visualize the difference in cost when you select higher and lower physical damage deductibles. The first set of prices uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Hyundai Sonata insurance premium rates 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
Get Your Own Custom Quote Go
Hyundai Sonata insurance premium rates with $500 deductibles
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 claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in specific San Jose garaging location which can influence premium rates greatly.

Based on the data above, we can derive that using a $100 deductible will cost you about $32 more each month or $384 annually than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 13 months between claims, you would probably save some money if you choose a higher deductible. Here's a better example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $155
Average monthly premium for $500 deductibles (subtract): - $123
Monthly savings from raising deductible: $32
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

Cheaper San Jose insurance rates with discounts

Insurance is neither fun to buy or cheap, but companies offer discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time you complete a quote, but some discounts are required to be inquired about before being credited. If you aren't receiving every discount possible, you are not getting the best rate possible.Insurance discounts

Discounts reduce rates, but you should keep in mind that some credits don't apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though you would think adding up those discounts means a free policy, that's just not realistic.

Larger insurance companies and the discounts they provide are detailed below.

Double check with each company or agent what discounts are available to you. Savings might not apply in every state. To choose insurance companies that offer discounts in California, click here.

Hyundai Sonata Insurance Rate Factors

Many different elements are considered when quoting car insurance. Some are obvious such as traffic violations, although others are not as apparent such as your credit history and annual miles driven. The best way to find cheaper car insurance is to take a look at the factors that help determine car insurance rates. If you have a feel for what controls the rates you pay, this enables informed choices that will entitle you to cheaper rates.

When do I need to have guidance from a local insurance agent?

A lot of people prefer to talk to a local agent and that is OK! Professional insurance agents are very good at helping people manage risk and help submit paperwork. The best thing about price shopping on the web is that you can obtain better rates and still have an agent to talk to. And providing support for local insurance agents is important particularly in San Jose.

Find insurance agent in San JoseOnce you complete this simple form, the coverage information is sent to insurance agents in San Jose who want to provide quotes for your car insurance coverage. There is no need to contact any insurance agencies because quoted prices will be sent instantly to you. If you wish to get a price quote from a specific company, feel free to jump over to their website and fill out their quote form.

If you prefer to buy car insurance from a local San Jose insurance agent, you must know there are a couple types of agencies and how they differ in how they can insure your vehicles. Car insurance policy providers are considered either independent or exclusive depending on the company they work for. Both types of agents can sell and service car insurance coverage, but it is important to understand how they differ since it may influence the selection process.

Independent Insurance Agents

These agents are not employed by one company and that gives them the ability to insure amongst many companies and find you the best rates. If they find a cheaper price, they can switch companies in-house without you having to go to a different agency.

When searching for an agent, we recommend you include independent agents to ensure the widest selection of prices. Many independent agencies also insure through mutual insurance companies which can save you money.

Listed below is a list of independent insurance agents in San Jose that can give you price quotes.

More insurance agents

Exclusive Car Insurance Agents

Exclusive agents can only provide pricing for a single company and some examples include Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to shop your coverage around so they have no alternatives for high prices. They are very knowledgeable on sales techniques which helps them sell on service rather than price. Some insured continue to use the same agent mostly because of the brand legacy rather than low rates.

The following is a list of exclusive insurance agents in San Jose who can help you get price quote information.

More insurance agents

Picking a auto insurance agent requires you to look at more than just a cheap quote. Any agent in San Jose should be forthright in answering these questions:

How much auto insurance do I need?

When choosing the best auto insurance coverage, there isn't really a perfect coverage plan. Everyone's situation is unique.Higher deductibles save money

For example, these questions may help highlight if you might need an agent's assistance.

If you're not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Keep this in mind when shopping around

Insureds who switch companies do it for many reasons like high prices, delays in paying claims, unfair underwriting practices or even lack of trust in their agent. Whatever your reason, finding a new company is not as difficult as it may seem.

When getting San Jose car insurance quotes online, you should never sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced uninsured motorist or liability limits to discover at claim time they didn't have enough coverage. The proper strategy is to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

In this article, we presented many tips how you can find cheaper Hyundai Sonata insurance in San Jose. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest priced car insurance comes from some of the lesser-known companies.

Helpful information