We don’t have to point out that fact that car insurance companies don’t want you to look at other companies. People who compare rates at least once a year are highly likely to switch car insurance companies because of the good chance of finding a lower rate. A study showed that people who did price comparisons regularly saved on average $865 a year compared to people who never shopped for cheaper rates.
If finding the lowest price on Hyundai Sonata insurance in Boston is your target objective, knowing how to quote and compare insurance can save time, money, and frustration.
The recommended way to find cheaper prices for car insurance rates is to compare prices regularly from insurers that insure vehicles in Boston. You can compare prices by completing these steps.
First, spend some time learning about how companies set rates and the changes you can make to drop your rates. Many rating criteria that result in higher prices such as accidents, traffic tickets, and a bad credit rating can be remedied by being financially responsible and driving safely. Later in this article we will cover additional tips to find cheap prices and find more discounts that you may not know about.
Second, request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO and Allstate, while independent agents can provide rate quotes from multiple sources.
Third, compare the price quotes to the price on your current policy and determine if cheaper Sonata coverage is available in Boston. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.
Fourth, provide proper notification to your current company of your intent to cancel your current coverage. Submit the completed application along with a down payment to the new company. As soon as you receive it, put the certificate verifying coverage along with your vehicle registration.
An essential thing to point out is to make sure you’re comparing similar limits and deductibles on every quote request and and to analyze as many auto insurance providers as possible. This enables a fair price comparison and a better comparison of the market.
Most of the larger companies allow consumers to get coverage price quotes online. Obtaining pricing for Hyundai Sonata insurance in Boston is pretty easy as all you need to do is type in the amount of coverage you want into the form. After the form is submitted, the system will obtain your driving and credit reports and generates a price based on these and other factors. This makes it a lot easier to compare rates and it’s necessary to compare as many rates as possible in order to get the cheapest price on auto insurance.
To quickly find out if lower rates are available, take a look at the companies shown below. If you have your current policy handy, we recommend that you enter the coverage information exactly as they are listed on your policy. Doing this assures you will have a price comparison based on the exact same insurance coverage.
The following companies have been selected to offer comparison quotes in Massachusetts. If multiple companies are listed, we suggest you get rates from several of them in order to get a fair rate comparison.
Three reasons to not skimp on insurance
Despite the high cost of buying insurance for a Hyundai Sonata in Boston, insuring your vehicle is mandatory in Massachusetts but it also protects more than you think.
First, just about all states have minimum mandated liability insurance limits which means the state requires a specific level of liability insurance if you drive a vehicle. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a loan on your Sonata, more than likely the lender will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender may insure your Hyundai at an extremely high rate and require you to pay for it.
Third, insurance safeguards both your Hyundai Sonata and your personal assets. Insurance will pay for medical bills for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will cover the repair costs.
The benefits of carrying adequate insurance more than offset the price you pay, specifically if you ever have a liability claim. Today the average American driver is currently overpaying as much as $865 each year so you should quote rates once a year at a minimum to ensure rates are inline.
Auto insurance analysis for a Hyundai Sonata
The data table shown below covers detailed analysis of insurance rates for Hyundai Sonata models. Being aware of how insurance policy premiums are calculated is important for drivers to make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $180 | $344 | $396 | $24 | $118 | $1,062 | $89 |
| Sonata GLS 4-Dr Sedan | $180 | $344 | $396 | $24 | $118 | $1,062 | $89 |
| Sonata GLS 4-Dr Sedan | $180 | $344 | $396 | $24 | $118 | $1,062 | $89 |
| Sonata SE 4-Dr Sedan | $180 | $406 | $396 | $24 | $118 | $1,124 | $94 |
| Sonata SE 4-Dr Sedan | $180 | $406 | $396 | $24 | $118 | $1,124 | $94 |
| Sonata Limited 4-Dr Sedan | $204 | $406 | $396 | $24 | $118 | $1,148 | $96 |
| Sonata Limited 4-Dr Sedan | $204 | $406 | $396 | $24 | $118 | $1,148 | $96 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in specific garaging location which can impact coverage rates greatly.
Policy deductible comparison
One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The rates below highlight the costs and benefits when you buy lower versus higher coverage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $258 | $436 | $378 | $22 | $114 | $1,233 | $103 |
| Sonata GLS 4-Dr Sedan | $258 | $436 | $378 | $22 | $114 | $1,233 | $103 |
| Sonata GLS 4-Dr Sedan | $258 | $436 | $378 | $22 | $114 | $1,233 | $103 |
| Sonata SE 4-Dr Sedan | $258 | $512 | $378 | $22 | $114 | $1,309 | $109 |
| Sonata SE 4-Dr Sedan | $258 | $512 | $378 | $22 | $114 | $1,309 | $109 |
| Sonata Limited 4-Dr Sedan | $292 | $512 | $378 | $22 | $114 | $1,343 | $112 |
| Sonata Limited 4-Dr Sedan | $292 | $512 | $378 | $22 | $114 | $1,343 | $112 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $210 | $350 | $378 | $22 | $114 | $1,074 | $90 |
| Sonata GLS 4-Dr Sedan | $210 | $350 | $378 | $22 | $114 | $1,074 | $90 |
| Sonata GLS 4-Dr Sedan | $210 | $350 | $378 | $22 | $114 | $1,074 | $90 |
| Sonata SE 4-Dr Sedan | $210 | $414 | $378 | $22 | $114 | $1,138 | $95 |
| Sonata SE 4-Dr Sedan | $210 | $414 | $378 | $22 | $114 | $1,138 | $95 |
| Sonata Limited 4-Dr Sedan | $236 | $414 | $378 | $22 | $114 | $1,164 | $97 |
| Sonata Limited 4-Dr Sedan | $236 | $414 | $378 | $22 | $114 | $1,164 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Information does not factor in Boston location which can raise or lower premiums noticeably.
Based on the figures above, using a $250 deductible will cost you roughly $14 more each month or $168 each year than opting for the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 18 months between claims, you would more than likely save some money if you choose the higher deductible.
The chart below shows how choosing a deductible and can impact Hyundai Sonata yearly insurance costs for different ages of insureds. The data assumes a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
Impact of speeding/accidents on auto insurance rates
The chart below illustrates how speeding tickets and at-fault collisions can affect Hyundai Sonata car insurance costs for different age groups. The premium estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
Don’t overlook these Hyundai Sonata insurance discounts
Auto insurance companies don’t list all discounts in a way that’s easy to find, so the following is a list of some of the best known as well as some of the hidden ways to save on car insurance. If you do not double check each discount possible, you may be paying too high a price.
- Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase auto and life insurance together.
- Government Employee Discount – Active or retired federal employment may qualify for a discount when you quote Boston auto insurance but check with your company.
- Buy New and Save – Buying a new car instead of a used Sonata is cheaper since newer models are generally safer.
- Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.
- Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education if offered at their school.
- Save with More Vehicles Insured – Purchasing coverage when you have several vehicles on one policy can reduce the rates for all insured vehicles.
- Defensive Driver Discount – Taking a course that instructs on driving safety could earn you a small percentage discount if you qualify.
Just know that most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
The example below visualizes the comparison of Hyundai Sonata car insurance rates with and without discounts being applied to the rates. The prices are based on a female driver, no tickets, no at-fault accidents, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, claim-free, multi-car, and homeowner discounts applied.
A few companies that may include these benefits are:
Before you buy a policy, ask each company which discounts they offer. All car insurance discounts may not apply to policyholders in Boston. For a list of insurers with the best Hyundai Sonata insurance discounts in Boston, click this link.
When to get advice from an insurance agent
Many people would rather visit with an insurance agent and that is just fine! Good agents are very good at helping people manage risk and help file insurance claims. A nice benefit of comparing rate quotes online is the fact that drivers can get the best rates but also keep your business local.
Once you complete this form (opens in new window), your insurance coverage information is transmitted to insurance agents in Boston that give free quotes to get your business. It’s much easier because you don’t need to search for an agent because prices are sent to your email. If you have a need to get a price quote from a particular provider, you just need to find their quoting web page and fill out the quote form the provide.
Finding the right provider requires you to look at more than just the quoted price. The following questions are important to ask.
- Are they actively involved in the community?
- Where are claims handled?
- What insurance company do they write the most business with?
- Will the agent or a CSR service your policy?
- If you have an accident, will your rates go up?
If you want to use a local insurance agency, there are a couple of different types of agencies that you can select. Agents are classified as either independent agents or exclusive agents depending on their employer. Both write policy coverage, but it’s a good idea to understand how they differ because it may have an impact on your agent selection.
Exclusive Agents
Agents that elect to be exclusive are contracted to one company such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to provide other company’s prices so they really need to provide good service. They are highly trained on their products and sales techniques and that can be a competitive advantage.
Below are exclusive agents in Boston willing to provide price quotes.
AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
Independent Insurance Agents
Independent insurance agents are appointed with more than one company so they can insure your vehicles with a variety of different insurance companies and get you the best rates possible. If you are not satisfied with one company, they can switch companies in-house and you don’t have to do anything. When comparing car insurance prices, you should always compare prices from at a minimum one independent agency in order to compare the most rates.
Listed below is a short list of independent agencies in Boston willing to provide rate quotes.
Cecil N Marchionne Insurance Agency, Inc
506 Main St – Medford, MA 02155 – (781) 391-7100 – View Map
K D Hicks Insurance
4 Copley Pl #120 – Boston, MA 02116 – (617) 442-1300 – View Map
Baltic Insurance Agency
597 E Broadway – South Boston, MA 02127 – (617) 268-6030 – View Map
Best car insurance company in Boston
Insuring your vehicle with the top car insurance provider can be rather challenging considering how many choices you have in Massachusetts. The information listed below could help you select which coverage providers you want to consider when comparing rate quotes.
Top 10 Boston Car Insurance Companies Overall
- The General
- Mercury Insurance
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Safeco Insurance
- USAA
Top 10 Boston Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Allstate
Quote often and quote early
Some companies do not offer online price quotes and usually these small insurance companies only sell coverage through independent agents. Lower-priced Hyundai Sonata insurance in Boston can be purchased on the web and from local insurance agents, and you should compare rates from both to have the best rate selection.
As you restructure your insurance plan, you should never reduce coverage to reduce premium. Too many times, someone dropped uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your aim should be to purchase plenty of coverage for the lowest cost while still protecting your assets.
Other information
- Prom Night Tips for Teen Drivers (State Farm)
- Who Has Cheap Boston Auto Insurance Rates for Drivers with a DUI? (FAQ)
- How Much are Car Insurance Rates for Electric Cars in Boston? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Jeep Wrangler in Boston? (FAQ)
- Who Has the Cheapest Auto Insurance for a Kia Optima in Boston? (FAQ)
- What Insurance is Cheapest for Safe Drivers in Boston? (FAQ)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Auto Theft Statistics (Insurance Information Institute)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)