Nobody I know looks forward to buying insurance, especially when they know the price is too high.

Insurance for Hyundai SonataA recent insurance study revealed that almost 70% of insureds in Wyoming renewed their policy with the same company for well over three years, and approximately 38% of consumers have never even shopped around for cheaper coverage. Most drivers in America could save 47% every year, but they underestimate the amount of savings they would get if they just switched companies.

Consumers have so many auto insurance companies to pick from, and although it's nice to have multiple companies, it makes it harder to compare company pricing for Hyundai Sonata insurance in Casper.

Just remember that comparing more quotes increases the chance that you will find the best price.

The following companies are ready to provide comparison quotes in Casper, WY. If several companies are displayed, we recommend you compare several of them in order to find the most competitive rates.

Hyundai Sonata Insurance Rates in Casper, WY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $166 $288 $412 $24 $124 $1,014 $85
Sonata GLS 4-Dr Sedan $134 $250 $388 $24 $116 $912 $76
Sonata GLS 4-Dr Sedan $300 $546 $412 $24 $124 $1,406 $117
Sonata SE 4-Dr Sedan $240 $558 $388 $24 $116 $1,326 $111
Sonata SE 4-Dr Sedan $238 $544 $380 $22 $114 $1,298 $108
Sonata Limited 4-Dr Sedan $166 $338 $426 $26 $128 $1,084 $90
Sonata Limited 4-Dr Sedan $316 $604 $418 $24 $124 $1,486 $124
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Table data does not factor in vehicle location which can impact insurance rates significantly.

Car insurance deductibles

One of the most common car insurance questions is how high should the deductibles for physical damage be. The figures shown below may aid in understanding the differences in price of buying low and high deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Hyundai Sonata insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $308 $556 $404 $24 $122 $1,439 $120
Sonata GLS 4-Dr Sedan $308 $556 $404 $24 $122 $1,439 $120
Sonata GLS 4-Dr Sedan $308 $556 $404 $24 $122 $1,439 $120
Sonata SE 4-Dr Sedan $308 $656 $404 $24 $122 $1,539 $128
Sonata SE 4-Dr Sedan $308 $656 $404 $24 $122 $1,539 $128
Sonata Limited 4-Dr Sedan $348 $656 $404 $24 $122 $1,579 $132
Sonata Limited 4-Dr Sedan $348 $656 $404 $24 $122 $1,579 $132
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Hyundai Sonata insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $226 $376 $404 $24 $122 $1,152 $96
Sonata GLS 4-Dr Sedan $226 $376 $404 $24 $122 $1,152 $96
Sonata GLS 4-Dr Sedan $226 $376 $404 $24 $122 $1,152 $96
Sonata SE 4-Dr Sedan $226 $444 $404 $24 $122 $1,220 $102
Sonata SE 4-Dr Sedan $226 $444 $404 $24 $122 $1,220 $102
Sonata Limited 4-Dr Sedan $254 $444 $404 $24 $122 $1,248 $104
Sonata Limited 4-Dr Sedan $254 $444 $404 $24 $122 $1,248 $104
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wyoming minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific garaging location which can alter rates considerably.

Using the data above, we can ascertain that using a $100 deductible costs roughly $26 more each month or $312 each year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 15 months between claim filings, you would save more money if you choose a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $126
Average monthly premium for $500 deductibles (subtract): - $100
Monthly savings from raising deductible: $26
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One thing to note is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have a claim. You will want to have some available funds in the event you have to pay the higher deductible in order to repair your vehicle.

Get cheaper rates on Hyundai Sonata insurance in Casper with these auto insurance discounts

Companies that sell car insurance don't list all discounts in an easy-to-find place, so we researched some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy Casper auto insurance online.Save money with discounts

Don't be shocked that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you aren't that lucky.

To see a list of insurers that can offer you the previously mentioned discounts in Casper, click here to view.

What Impacts Hyundai Sonata Insurance Costs?

Many factors are used when quoting car insurance. Some of the criteria are obvious like your driving record, but other factors are more transparent like your vehicle usage and annual miles driven. One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that help determine your auto insurance rates. When you know what positively or negatively determines premiums, this enables you to make decisions that can earn you cheaper rates.

Exclusive versus independent car insurance agents

Certain consumers would rather get professional advice from a licensed agent and that can be a great decision A nice benefit of comparing insurance prices online is that you can find better rates and still choose a local agent.

Insurance agents in CasperBy using this short form, your information is transmitted to agents in your area who will give competitive quotes for your coverage. There is no reason to contact any agents due to the fact that quote results will go straight to your inbox. You can most likely find cheaper rates and a licensed agent to talk to. If you have a need to quote rates for a specific company, you can always visit that company's website to submit a rate quote request.

Finding the right insurer requires more thought than just a cheap price. You should also get answers to these questions.

Upon receiving positive feedback for all questions you ask as well as an affordable premium quote, it's possible that you found an insurance company that meets the requirements to service your policy.

Brand name doesn't guarantee savings

Car insurance providers like State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. All the companies have a common claim about savings just by moving to them. That's great but how can every company charge you less for auto insurance? It's all in the words they use.

Companies have an ideal profile for the type of customer that earns them the highest profit. A good example of a profitable insured might be between the ages of 30 and 50, carries high limits, and drives a safe vehicle. A driver that fits those parameters receive the lowest rate quotes in Casper and will most likely save money with a new company.

Drivers who don't measure up to the "perfect" profile will be quoted higher premiums and this results in the customer buying from someone else. If you pay close attention to the ads, they say "customers that switch" not "everyone who quotes" save money. That's the way insurance companies can make claims that they all have the best rates. This emphasizes why drivers should get as many free Casper auto insurance quotes as possible. It is impossible to guess which insurance companies will give you the biggest savings.

A conclusion for your auto insurance search

We just showed you some good ideas how to find cheaper Hyundai Sonata insurance in Casper. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the biggest savings come from a company that doesn't do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and GEICO.

The cheapest Hyundai Sonata insurance in Casper can be bought on the web in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don't offer the ability to get a quote online and most of the time these regional insurance providers only sell coverage through independent agents.

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