Affordable Rates for Hyundai Sonata Insurance in Plano

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Insurance for Hyundai SonataIf your goal is the lowest price, then the best way to get discount Hyundai Sonata insurance in Plano is to annually compare prices from different companies that insure vehicles in Texas.

  • Step 1: Spend some time learning about policy coverages and the things you can change to prevent expensive coverage. Many risk factors that cause high rates such as traffic citations, accidents, and an unacceptable credit history can be eliminated by improving your driving habits or financial responsibility.
  • Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or State Farm, while agents who are independent can quote prices for a wide range of companies. View prices
  • Step 3: Compare the new quotes to your current policy to see if cheaper Sonata coverage is available. If you find better rates and change companies, ensure coverage does not lapse between policies.
  • Step 4: Provide proper notification to your current company of your decision to cancel your current car insurance policy. Submit a down payment along with a signed application for the new coverage. As soon as you have the new policy, keep the new certificate verifying proof of insurance in an easily accessible location in your vehicle.

An important part of this process is to use identical coverages on each quote and and to analyze every company you can. This enables a level playing field and many rates to choose from.

It goes without saying that car insurance companies want to keep you from comparing prices. People who perform rate comparisons will probably move their business because there is a high probability of finding more affordable rates. Surprisingly, a recent survey revealed that consumers who compared rate quotes regularly saved approximately $72 a month compared to people who never compared rates.

If finding budget-friendly auto insurance is your objective, then learning a little about how to find and compare insurance premiums can make the process more efficient.

The easiest way to compare policy rates for Hyundai Sonata insurance in Plano utilizes the fact most insurance companies participate in online systems to give free rates quotes. The only thing you need to do is spend a couple of minutes providing details like if the car is leased, which vehicles you own, deductibles desired, and marital status. That information is sent automatically to insurance companies and they return quotes quickly.

To get price quotes for your Hyundai Sonata now, click here then complete the form.

The car insurance companies shown below have been selected to offer quotes in Plano, TX. To buy cheap auto insurance in TX, we recommend you visit several of them to get the cheapest price.

Hyundai Sonata insurance statistics and information

The table shown below covers estimates of coverage costs for Hyundai Sonata models. Having knowledge of how car insurance premiums are determined can aid in making informed decisions when comparing rate quotes.

Hyundai Sonata Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $328 $592 $430 $26 $128 $1,504 $125
Sonata GLS 4-Dr Sedan $328 $592 $430 $26 $128 $1,504 $125
Sonata GLS 4-Dr Sedan $328 $592 $430 $26 $128 $1,504 $125
Sonata SE 4-Dr Sedan $328 $698 $430 $26 $128 $1,610 $134
Sonata SE 4-Dr Sedan $328 $698 $430 $26 $128 $1,610 $134
Sonata Limited 4-Dr Sedan $370 $698 $430 $26 $128 $1,652 $138
Sonata Limited 4-Dr Sedan $370 $698 $430 $26 $128 $1,652 $138
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium amounts do not factor in zip code location which can impact coverage prices substantially.

How careless driving impacts Plano car insurance rates

The illustration below highlights how traffic violations and accident claims impact Hyundai Sonata insurance premiums for each different age group. The information is based on a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Lower-cost Plano auto insurance quotes with discounts

Some insurers don't list the complete list of policy discounts in a way that's easy to find, so below is a list a few of the more common in addition to some of the lesser obvious auto insurance savings. If they aren't giving you every credit possible, you could be paying more than you need to.Discount auto insurance

  • Multi-Vehicle Discounts - Insuring more than one vehicle on the same auto insurance policy can reduce rates for all insured vehicles.
  • Discount for Multiple Policies - If you can combine your home and auto policy and insure them with the same company they may give you a discount of up to 20% off your total Sonata insurance premium.
  • Drive Safe and Save - Insureds who avoid accidents may receive a discount up to 45% than drivers with accidents.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • ABS Brakes - Anti-lock brake equipped vehicles are much safer to drive so companies give up to a 10% discount.
  • Life Insurance - Select companies reward you with a discount if you purchase auto and life insurance together.

While discounts sound great, it's important to understand that some of the credits will not apply to the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, that's just not realistic. Any amount of discount should help reduce your premiums.

The diagram below visualizes the comparison of Hyundai Sonata car insurance rates with and without some available policy discounts. The information is based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, homeowner, marriage, and claim-free discounts applied.

A list of companies and a summarized list of policyholder discounts include:

  • The Hartford may offer discounts for good student, driver training, vehicle fuel type, anti-theft, air bag, and bundle.
  • American Family offers discounts for Steer into Savings, defensive driver, multi-vehicle, TimeAway discount, and accident-free.
  • Progressive has savings for multi-vehicle, homeowner, online signing, multi-policy, and online quote discount.
  • Travelers has discounts for save driver, student away at school, driver training, new car, IntelliDrive, and payment discounts.
  • Farmers Insurance may have discounts that include business and professional, distant student, good student, bundle discounts, switch companies, and electronic funds transfer.
  • USAA discounts include annual mileage, family discount, vehicle storage, multi-vehicle, driver training, loyalty savings, and new vehicle.
  • Liberty Mutual offers premium reductions for new vehicle discount, exclusive group savings, new graduate, new move discount, and teen driver discount.

When comparing rates, check with all companies you are considering to apply every possible discount. Depending on the company, some discounts might not be offered in your state. To find providers that offer some of these discounts in Plano, click this link.

Three reasons to not skimp on auto insurance

Even though it can be expensive, auto insurance is required for several reasons.

First, almost all states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your vehicle, almost all lenders will make it a condition of the loan that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender will be forced to insure your Hyundai at a more expensive rate and force you to pay for it.

Third, auto insurance protects not only your Hyundai but also your assets. Insurance will pay for medical bills that are the result of an accident. Liability coverage also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance are definitely more than the cost, especially when you need to use it. According to a recent study, the average American driver overpays as much as $820 a year so you should quote rates at every policy renewal to help ensure money is not being wasted.

Insurance agencies near you

A small number of people would rather get professional advice from a licensed agent and that is OK! Good agents can point out coverage gaps and give you someone to call. The biggest benefit of getting free rate quotes online is you may find cheap rate quotes and also buy local. And providing support for local agencies is definitely important in Plano.

Once you complete this quick form, the coverage information is immediately sent to local insurance agents that give free quotes and help you find cheaper coverage. You never need to contact any agents because quoted prices will be sent instantly to you. If you wish to quote rates from a specific insurance company, you would need to go to their quote page and give them your coverage information.

The difference between Plano auto insurance agents

If you are wanting to purchase auto insurance from a local Plano insurance agent, there are a couple of types of insurance agents that you can select. Agents in Plano are considered either independent agents or exclusive agents. Both types of agents can provide auto insurance policies, but it's worth learning how they are different since it may influence which agent you choose.

Independent Insurance Agents

Independent agencies do not write with just one company and that gives them the ability to insure with any number of different companies and find you the best rates. If prices rise, your agent can just switch to a different company and you don't have to find a new agent.

If you need cheaper auto insurance rates, we recommend you compare prices from several independent agencies so that you can do a thorough price comparison.

Listed below is a list of independent agencies in Plano that may be able to give free price quotes.


542 Haggard St #502 - Plano, TX 75074 - (972) 335-4115 - View Map


1445 Los Rios Blvd #203 - Plano, TX 75074 - (972) 422-7918 - View Map


2817 Regal Rd # 101 - Plano, TX 75075 - (972) 596-5866 - View Map

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Exclusive Insurance Agencies

Exclusive agents can only place business with one company and examples are State Farm or Allstate. Exclusive agents cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive insurance agents receive extensive training in insurance sales which helps overcome the inability to quote other rates.

Shown below is a list of exclusive agents in Plano willing to provide price quote information.


6853 Coit Rd Ste 400 - Plano, TX 75024 - (972) 423-4009 - View Map


2100 Dallas Pkwy #110 - Plano, TX 75093 - (972) 403-1060 - View Map


1729 N Central Expy Suite A - Plano, TX 75075 - (972) 509-5600 - View Map

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Choosing a insurance agency needs to be determined by more than just the premium amount. The questions below may impact your decision as well.

  • Do they have a Better Business Bureau rating in Plano?
  • Does the agent recommend any additional coverage?
  • How long has the business existed?
  • Do they have cheaper tiers of coverage?
  • Can you use your own choice of collision repair facility?
  • Are you getting all the discounts the company offers?
  • Do they get paid more for recommending certain coverages?
  • Are they able to provide referrals?