Auto Insurance Quotes for a Hyundai Sonata in Jersey City

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We don't have to tell you that insurance companies don't want you to compare rates. People who shop for lower rates are highly likely to switch to a new company because there are good odds of finding a lower-priced policy. A recent survey found that consumers who compared prices once a year saved about $70 a month compared to people who never compared prices.

If finding the cheapest price for Hyundai Sonata insurance in Jersey City is your objective, then understanding how to find and compare cheaper coverage can make it simple to find affordable coverage.

Insurance for Hyundai SonataIf you want to find the absolute lowest rates, then the best way to get affordable Hyundai Sonata insurance in Jersey City is to regularly compare prices from insurance carriers in New Jersey.

  • First, take a little time to learn about what is in your policy and the steps you can take to prevent expensive coverage. Many rating factors that increase rates such as at-fault accidents, careless driving, and an unacceptable credit history can be eliminated by making minor changes to your lifestyle. This article provides more information to get cheaper rates and find available discounts that you may qualify for.
  • Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO and Allstate, while independent agents can provide prices for many different companies.
  • Third, compare the new rates to the price on your current policy to see if a cheaper price is available. If you find better rates, ensure coverage does not lapse between policies.

The key aspect of shopping around is that you use identical limits and deductibles on each quote and and to compare as many carriers as you can. Doing this guarantees a level playing field and a better comparison of the market.

All the larger auto insurance companies make it easy to get price estimates online. This process is fairly straightforward because you just enter your personal and coverage information as detailed in the form. After you submit the form their quoting system gets credit information and your driving record and generates pricing information based on the data you entered.

The ability to get online price quotes for Hyundai Sonata insurance in Jersey City makes it a lot easier to compare rates and it is imperative to compare as many rates as possible if you are searching for the lowest auto insurance rates.

To find out how much you can save on auto insurance, compare rates from the companies below. If you have your current policy handy, we recommend you input the coverages identical to your current policy. This guarantees you will have rate comparison quotes using the same coverage and limits.

The companies shown below are our best choices to provide free rate quotes in Jersey City, NJ. If you want to find the best car insurance in Jersey City, it's a good idea that you compare several of them to get a more complete price comparison.

Determine discounts on Jersey City auto insurance

Companies don't necessarily list all discounts in a way that's easy to find, so below is a list both the well known and also the more inconspicuous savings tricks you should be using when you buy Jersey City car insurance online. If you do not check that you are getting every discount available, you are not getting the best rate possible.Save money with discounts

  • Active Service Discounts - Being deployed in the military may lower your premium rates slightly.
  • Telematics Data Discounts - Insureds who allow driving data submission to track vehicle usage by using a telematics device in their vehicle like In-Drive from State Farm and Progressive's Snapshot might get better premium rates if they have good driving habits.
  • Anti-lock Brake System - Cars and trucks with ABS braking systems or traction control are safer to drive and will save you 10% or more on Sonata insurance in Jersey City.
  • Pay Upfront and Save - If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
  • Discounts for Multiple Vehicles - Buying insurance for more than one vehicle on a single policy could earn a price break for each car.
  • New Car Discount - Buying a new car model can save up to 30% since new vehicles have better safety ratings.

Policy discounts save money, but many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, it's just not the way it works.

The chart below illustrates the difference between Hyundai Sonata premium costs with and without some available policy discounts. The rates are based on a male driver, no tickets, no at-fault accidents, New Jersey 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 multi-policy, safe-driver, marriage, multi-car, homeowner, and claim-free discounts applied.

A partial list of companies who may offer these discounts include:

Double check with all the companies which discounts you qualify for. Depending on the company, some discounts may not apply to policyholders in Jersey City. If you would like to see a list of insurers who offer online Hyundai Sonata insurance quotes in Jersey City, click here.

Hyundai Sonata insurance statistics and information

The table below outlines different coverage costs for Hyundai Sonata models. Learning how rate quotes are calculated helps drivers make smart choices when buying a policy.

Hyundai Sonata Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $236 $430 $522 $30 $156 $1,374 $115
Sonata GLS 4-Dr Sedan $236 $430 $522 $30 $156 $1,374 $115
Sonata GLS 4-Dr Sedan $236 $430 $522 $30 $156 $1,374 $115
Sonata SE 4-Dr Sedan $236 $506 $522 $30 $156 $1,450 $121
Sonata SE 4-Dr Sedan $236 $506 $522 $30 $156 $1,450 $121
Sonata Limited 4-Dr Sedan $266 $506 $522 $30 $156 $1,480 $123
Sonata Limited 4-Dr Sedan $266 $506 $522 $30 $156 $1,480 $123
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in zip code location which can modify prices significantly.

Auto insurance deductibles

One of the most common auto insurance questions is how high should your deductibles be. The following insurance rates can help show how much more rates are when you buy lower versus higher deductibles. The first data set uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Hyundai Sonata insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $414 $746 $544 $32 $162 $1,923 $160
Sonata GLS 4-Dr Sedan $414 $746 $544 $32 $162 $1,923 $160
Sonata GLS 4-Dr Sedan $414 $746 $544 $32 $162 $1,923 $160
Sonata SE 4-Dr Sedan $414 $880 $544 $32 $162 $2,057 $171
Sonata SE 4-Dr Sedan $414 $880 $544 $32 $162 $2,057 $171
Sonata Limited 4-Dr Sedan $466 $880 $544 $32 $162 $2,109 $176
Sonata Limited 4-Dr Sedan $466 $880 $544 $32 $162 $2,109 $176
Get Your Own Custom Quote Go
Hyundai Sonata insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $230 $394 $544 $32 $162 $1,362 $114
Sonata GLS 4-Dr Sedan $230 $394 $544 $32 $162 $1,362 $114
Sonata GLS 4-Dr Sedan $230 $394 $544 $32 $162 $1,362 $114
Sonata SE 4-Dr Sedan $230 $464 $544 $32 $162 $1,432 $119
Sonata SE 4-Dr Sedan $230 $464 $544 $32 $162 $1,432 $119
Sonata Limited 4-Dr Sedan $258 $464 $544 $32 $162 $1,460 $122
Sonata Limited 4-Dr Sedan $258 $464 $544 $32 $162 $1,460 $122
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage rates significantly.

Based on the figures above, using a $100 deductible will cost you about $50 more each month or $600 a year across all Hyundai Sonata models than quoting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 18 months between claims, you would save more money by selecting a higher deductible.

Price comparison of only insuring for liability

The illustration below compares Hyundai Sonata insurance rates with full physical damage coverage and with liability coverage only. The premiums assume no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied.

Should you pay for full coverage or liability only?

There is no clear-cut rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Hyundai Sonata book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after paying your deductible. If you are currently paying more than $500 a year for your policy with full coverage, then it could be time to drop full coverage.

There are a few cases where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

New Jersey auto insurance companies ranked

Ending up with the right insurance company is hard considering how many different companies insure vehicles in New Jersey. The ranking information below could help you choose which companies you want to consider purchasing coverage from.

Top 10 Jersey City Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. GEICO
  6. USAA
  7. State Farm
  8. Travelers
  9. Farmers Insurance
  10. Allstate

Top 10 Jersey City Car Insurance Companies Ranked by Customer Satisfaction

  1. The Hartford - 93%
  2. Progressive - 90%
  3. 21st Century - 89%
  4. USAA - 87%
  5. Mercury Insurance - 87%
  6. State Farm - 87%
  7. Travelers - 87%
  8. Safeco Insurance - 86%
  9. AAA Insurance - 86%
  10. American Family - 85%

Why You Might Pay Higher Rates in Jersey City

A large part of saving on car insurance is knowing some of the things that play a part in calculating the rates you pay for car insurance. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with better car insurance rates. Many factors are taken into consideration when pricing auto insurance. Most are fairly basic like a motor vehicle report, although some other factors are more obscure like your continuous coverage and annual miles driven.

  • Does insurance cost less for women? - Statistics have proven that females tend to be a little less risky than males. That doesn't necessarily mean that females are better drivers. Both genders are in at-fault accidents in similar percentages, but men have accidents that have higher claims. They also receive more costly citations such as DWI and reckless driving. Young males tend to get in the most accidents so they pay the highest premiums.

    The example below shows the comparison of Hyundai Sonata insurance prices for male and female drivers. The prices are based on no tickets, no at-fault accidents, full coverage, $1,000 deductibles, marital status is single, and no other discounts are factored in.

  • Your career may increase rates - Careers such as military personnel, airline pilots, and medical professionals generally pay higher average rates in part from stressful work requirements and extremely grueling work hours. On the other hand, occupations like scientists, engineers and retirees pay the least.
  • What's your car's crash test rating? - Vehicles with high crash test scores tend to be cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and fewer injuries means less money paid by your insurance company which can mean better rates for you. If your Hyundai Sonata is rated at least an "acceptable" rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Drive a fast car and pay more - The performance level of the vehicle you are buying insurance for makes a substantial difference in how high your rates are. The cheapest rates will normally be found when insuring small economy passenger cars, but there are many factors that impact the final cost.

    The chart below is based on a married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. It compares Hyundai Sonata policy rates compared to other models of vehicles that have a range of performance rating factors.

  • Accidents can increase prices - Your driving record has a big impact on rates. Drivers who don't get tickets pay less for auto insurance compared to bad drivers. Getting just one chargeable violation may increase your cost forty percent or more. Drivers unfortunate enough to have multiple violations like hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.

    The diagram below shows how traffic citations and at-fault claims raise Hyundai Sonata yearly insurance costs for each different age category. The data is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

  • Low mileage costs less - Driving a lot of miles in a year the more it will cost to insure it. The majority of insurers charge rates based upon how you use the vehicle. Vehicles that have low annual miles receive better premium rates compared to those used for work or business. Ask your agent if your vehicle rating correctly shows annual mileage, because improper ratings can cost you money. An incorrectly rated Sonata may be costing you.
  • Multiple policies with one company can save - The majority of car insurance companies allow lower prices to people that purchase more than one policy in the form of a multi-policy discount. Even if you qualify for this discount already, it's always a smart idea to compare other Jersey City Sonata insurance rates to help guarantee you have the best rates.There is a chance you can find a better deal by buying insurance from more than one company.
  • Never have coverage lapses - Having an insurance coverage lapse is a fast way to pay more for car insurance. In addition to paying higher rates, not being able to provide proof of insurance might get you a license revocation or jail time. You could then be forced to file a SR-22 with the New Jersey DMV.
  • Hyundai Sonata statistical loss data - Car insurance companies factor in insurance loss information when determining insurance rates. Models that the data determines to have high amounts or severity of claims will have a higher premium rate. The table below shows the compiled insurance loss statistics for Hyundai Sonata vehicles.

    For each insurance policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is represented as 100. Percentage numbers below 100 are indicative of better than average losses, while numbers that are greater than 100 show a trend for more claims or an increased probability of a larger loss.

    Insurance Loss Ratings for Hyundai Sonata Vehicles
    Specific Hyundai 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