If you're shopping for cheaper insurance online, do you get overwhelmed by the wide range of insurance companies in your area? You're not alone. People have so many companies to choose from that it can quickly become hard work to find the perfect company for you. Everyone knows that Reno is the perfect city to reside in, but inflated insurance rates can make it nearly impossible for many drivers to meet other financial obligations.

Discount Hyundai Sonata insuranceSurprisingly, a recent survey revealed that most insurance policyholders kept buying from the same company for a minimum of four years, and virtually 40% of consumers have never compared quotes from other companies. Many drivers in Nevada could save 35% every year by just shopping around, but they don't invest the time required to find cheaper rates by getting comparison quotes.

It's important to shop coverage around before your policy renews because insurance prices change regularly. Even if you think you had the best price on Hyundai Sonata insurance in Reno a year ago you will most likely find a better rate today. Ignore everything you know about insurance because you're going to get a crash course in how to quote online to save on insurance.

If you have a policy now, you will definitely be able to shop for the lowest rates using the ideas presented in this article. Locating cheaper car insurance coverage in Reno is not as difficult as people think. But Nevada consumers benefit from understanding how big insurance companies calculate their prices because rates are impacted by many factors.

Just remember that more quotes will improve the odds of getting the best price. Some smaller insurers do not give rate quotes online, so it's important to also get price quotes from the smaller companies as well.

The providers in the list below can provide free quotes in Nevada. If several companies are displayed, it's highly recommended you visit two to three different companies to get the best price comparison.

Hyundai Sonata Insurance Estimates in Reno, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $166 $334 $394 $24 $118 $1,036 $86
Sonata GLS 4-Dr Sedan $126 $248 $394 $24 $118 $910 $76
Sonata GLS 4-Dr Sedan $166 $318 $366 $22 $110 $982 $82
Sonata SE 4-Dr Sedan $166 $374 $366 $22 $110 $1,038 $87
Sonata SE 4-Dr Sedan $188 $374 $356 $22 $106 $1,046 $87
Sonata Limited 4-Dr Sedan $298 $582 $470 $28 $140 $1,518 $127
Sonata Limited 4-Dr Sedan $332 $694 $470 $28 $140 $1,664 $139
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rates do not factor in specific garaging location which can change premium rates noticeably.

Choosing deductibles

The chart below shows how different deductible levels and can raise or lower Hyundai Sonata annual premium costs for different age groups. The premium estimates are based on a married female driver, full coverage, and no discounts are applied.

Raise deductibles and save

When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The figures shown below highlight how much more rates are between low and high physical damage coverage deductibles. The first table uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.

Hyundai Sonata insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $238 $402 $348 $20 $104 $1,137 $95
Sonata GLS 4-Dr Sedan $238 $402 $348 $20 $104 $1,137 $95
Sonata GLS 4-Dr Sedan $238 $402 $348 $20 $104 $1,137 $95
Sonata SE 4-Dr Sedan $238 $472 $348 $20 $104 $1,207 $101
Sonata SE 4-Dr Sedan $238 $472 $348 $20 $104 $1,207 $101
Sonata Limited 4-Dr Sedan $268 $472 $348 $20 $104 $1,237 $103
Sonata Limited 4-Dr Sedan $268 $472 $348 $20 $104 $1,237 $103
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Hyundai Sonata insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $148 $252 $348 $20 $104 $872 $73
Sonata GLS 4-Dr Sedan $148 $252 $348 $20 $104 $872 $73
Sonata GLS 4-Dr Sedan $148 $252 $348 $20 $104 $872 $73
Sonata SE 4-Dr Sedan $148 $298 $348 $20 $104 $918 $77
Sonata SE 4-Dr Sedan $148 $298 $348 $20 $104 $918 $77
Sonata Limited 4-Dr Sedan $166 $298 $348 $20 $104 $936 $78
Sonata Limited 4-Dr Sedan $166 $298 $348 $20 $104 $936 $78
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rates do not factor in vehicle location which can decrease or increase premiums greatly.

Based on this data, using a $250 deductible will cost you roughly $23 more each month or $276 a year than selecting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 33 months between claims, you would save more money going with the higher deductible. The table below shows an example of how this decision is made.

Average monthly premium for $250 deductibles: $99
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

One thing to note is that higher deductibles means you will have to pay more out-of-pocket when you file a claim. That will necessitate some savings in the event you have to pay the deductible for vehicle repair.

Car insurance protects more than just your car

Despite the high cost, paying for car insurance is required for several reasons.

First, almost all states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability in order to be legal. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your car, almost every bank will make it a condition of the loan that you buy insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Hyundai at a more expensive rate and make you pay for the much more expensive policy.

Third, car insurance protects both your Hyundai and your assets. It will also pay for medical bills for yourself as well as anyone injured by you. Liability coverage also covers legal expenses 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 (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of having car insurance greatly outweigh the cost, especially for larger claims. An average driver in America is overpaying over $800 each year so it's very important to do a rate comparison at least once a year to save money.

Car insurance advertising gotchas

Popular car insurance providers such as Allstate and Progressive consistently run ads in print and on television. All the ads advertise claims that you can save if you move your policy. That's great but how can every company make the same claim? It's all in how they say it.

Insurance companies quote their cheapest rates for the type of driver that earns them the most money. A good example of a driver they prefer might be between 30 and 50, has other policies, and drives a safe vehicle. Someone who meets those qualifications will probably get cheap premium rates and will probably save a lot on Reno Hyundai Sonata insurance if they switch.

People who don't measure up to this stringent profile will have to pay a higher rate and the customer buying from a different company. If you listen closely, the ads state "customers that switch" not "everyone that quotes" will save that much if they switch. That is how companies can advertise the way they do.

Because of the profiling, it is so important to compare as many free Reno auto insurance quotes as you can. Because without a comparison, you cannot know the company that will provide you with the cheapest Hyundai Sonata insurance in Reno.

Cut your auto insurance rates with these nine discounts

Car insurance can cost a lot, but you might already qualify for some discounts that may help make it more affordable. Certain credits will be shown at the time you complete a quote, but a few must be specifically requested before being credited. If you're not getting every credit available, you are paying more than you should be.Save money with discounts

As a disclaimer on discounts, some credits don't apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. Even though it appears you can get free auto insurance, it doesn't quite work that way. But all discounts will lower your premiums.

If you would like to see a list of insurance companies that offer discounts in Nevada, click this link.

When to contact a local insurance agent

Certain consumers would prefer to get professional advice from a licensed agent and that can be a smart move A nice benefit of comparing insurance prices online is you may find cheap rate quotes and still have a local agent. And buying from neighborhood agents is important particularly in Reno.

For easy comparison, once you complete this quick form, the coverage information gets sent to agents in your area who want to provide quotes for your auto insurance coverage. It's much easier because you don't need to search for an agent due to the fact that quote results will go immediately to your email address. You'll get the best rates without having to waste a lot of time. If you wish to get a price quote from one company in particular, just find their quoting web page and complete a quote there.

If you're trying to find a local Reno insurance agency, there are two different types of agents and how they can service your needs differently. Auto insurance agents in Reno can either be independent agents or exclusive agents.

Independent Agents

Agents that choose to be independent are appointed with more than one company so they can insure your vehicles with lots of companies and find you cheaper rates. If they quote lower rates, the business is moved internally and you don't have to find a new agent.

When shopping rates, you will definitely want to include price quotes from at a minimum one independent agency to have the most options to choose from. Most can insure with smaller companies that can offer cheaper rates than bigger companies.

Listed below is a partial list of independent agents in Reno that can possibly get you pricing information.

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Exclusive Agencies

Exclusive agencies generally can only insure with one company such as Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are well trained on their products and sales techniques which helps overcome the inability to quote other rates. A lot of people buy from exclusive agents mostly because of the prominent brand name rather than having low rates.

The following is a list of exclusive agencies in Reno that can give you price quotes.

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Picking the best insurance agent shouldn't rely on just the premium amount. Before buying a policy in Reno, get answers to these questions.

What is the best insurance coverage?

When buying coverage, there really isn't a single plan that fits everyone. Every situation is different so this has to be addressed.Safe vehicles cost less to insure For instance, these questions could help you determine if your insurance needs could use an agent's help.

If you're not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Specific coverages for a Hyundai Sonata

Knowing the specifics of car insurance helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average car insurance policy.

Uninsured and underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Because many people only purchase the least amount of liability that is required (Nevada limits are 15/30/10), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, rock chips in glass, damage from getting keyed, damage from a tornado or hurricane and fire damage. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Coverage for collisions

This covers damage to your Sonata resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, damaging your car on a curb, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible on your Sonata to get cheaper collision coverage.

Liability

This will cover damage or injury you incur to a person or their property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 15/30/10 that translate to $15,000 bodily injury coverage, $30,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like bail bonds, funeral expenses and structural damage. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford. Nevada state law requires minimum liability limits of 15/30/10 but drivers should carry more coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like rehabilitation expenses, EMT expenses, X-ray expenses, nursing services and dental work. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Don't give up on cheaper premiums

You just learned a lot of ways to compare Hyundai Sonata insurance rates in Reno. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest priced insurance comes from some of the smallest insurance companies. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

Lower-priced insurance in Reno can be purchased online in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. Some insurance providers may not provide rate quotes online and usually these regional carriers only sell coverage through local independent agencies.

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