Who Has Cheap Auto Insurance Rates for a Hyundai Sonata in Buffalo?

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Buying economical coverage for a Hyundai Sonata in New York is pretty simple for most people to do, but it is dependent upon a lot of things such as age of the driver, the likelihood of your vehicle being stolen, and any driving offenses on your record. Drivers pay around $1,095 annually to insure their Sonata, but that cost is an estimation based upon a 30-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.

There is a good probability you are not 30 and maybe not even a female, you might be married instead of single, or maybe your Sonata doesn't need full coverage. There is no one cookie-cutter policy that works for everyone, so the best way to find the cheapest rates for your Hyundai is to compare rates from as many companies as possible. Quotes only take a couple of minutes and you will receive prices from top-rated companies that sell coverage in New York.

Find Cheaper Hyundai Sonata Insurance

The specific trim level impacts the coverage cost, so the rate you pay to insure a Sonata GLS 4-Dr Sedan trim level will be $104 cheaper than the cost to insure the more costly Sonata Limited 4-Dr Sedan model, as demonstrated by the prices below.

Hyundai Sonata Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $228 $424 $404 $24 $120 $1,200 $100
Sonata GLS 4-Dr Sedan $228 $424 $404 $24 $120 $1,200 $100
Sonata GLS 4-Dr Sedan $228 $424 $404 $24 $120 $1,200 $100
Sonata SE 4-Dr Sedan $228 $500 $404 $24 $120 $1,276 $106
Sonata SE 4-Dr Sedan $228 $500 $404 $24 $120 $1,276 $106
Sonata Limited 4-Dr Sedan $256 $500 $404 $24 $120 $1,304 $109
Sonata Limited 4-Dr Sedan $256 $500 $404 $24 $120 $1,304 $109
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in specific Buffalo garaging location which can alter price quotes noticeably.

Buying coverage from a high-quality insurance company can be rather challenging considering how many companies there are to choose from in New York. The information shown below could help you choose which coverage providers to look at when shopping car insurance rates for a Hyundai Sonata. These rankings include the companies with a significant amount of written premium nationwide, so companies without a large exposure are not factored into the list.

Top Ten Car Insurance Companies for a Hyundai Sonata in New York
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 92 90 82 88% A+ 88.5
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
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Data Source: Insure.com Best Car Insurance Companies

The example below illustrates how your choice of deductibles can influence insurance prices when researching cheap insurance for a Hyundai Sonata. The rate quotes are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

A 30-year-old driver could lower rates by $332 a year by increasing from a $100 deductible up to a $500 deductible, or save $498 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old chart data, can cut as much as $982 annually just by choosing larger deductibles.

When using a larger deductible, it is essential to have additional savings on hand to enable you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Discounts on Buffalo insurance

Cheaper Buffalo, NY car insurance for a SonataInsurance companies that offer quotes for a Hyundai Sonata may additionally offer rate discounts that could lower prices by 40% or more if you qualify for them. A list of companies and some of their more popular discounts are detailed below.

The information below illustrates the comparison of auto insurance costs with and without policy discounts. The rate quotes are based on a male driver, no violations or claims, New York state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, multiple vehicle, claim-free, defensive driving course, marriage, and anti-theft discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for a Hyundai Sonata is 28% or $516.

The importance of shopping around

New York car insurance rates are determined by lots of factors that can increase the policy premium. Turning one year older, having a teen driver, or getting a few speeding tickets can trigger rate changes resulting in some rates now being more affordable than the competition.

Not only may your situation change, but car insurance companies file new New York car insurance rates as often as every three months in order to offset underwriting gains or losses. An extended period of higher than normal claims can result in increased rates, while lower claim levels can result in cheaper Sonata insurance rates.

The data below shows which companies have the cheapest car insurance in Buffalo, NY for a 45-year-old male driver with no accidents, a clean driving record, and solid credit. If we estimate prices based on his current risk factors, USAA has the best car insurance rates in Buffalo at $1,917 per year. This is $158 less than the average rate paid by New York drivers of $2,075. Erie, Utica National, Travelers, and Progressive are the remaining top five cheapest Buffalo, NY auto insurance companies.

Now let's give the driver in the first example an at-fault accident, a lower credit score, and a couple of points charged on his driving record. Due to the fact that each insurance company has their own unique process for determining rates, comparing quotes most likely will result in a completely different list of affordable Buffalo car insurance companies as shown below.

Allstate now has the lowest price in Buffalo with MetLife, Preferred Mutual, Erie, and New York Central Mutual now rounding out the top five. This example shows why it is critical to perform a complete rate comparison when trying to get the most budget-friendly car insurance quotes for a Hyundai Sonata. Insurance prices are influenced by many risk factors and can change without notice, so the most economical company a year ago may now cost much more than other companies.

If you like to get some help when trying to find lower insurance rates for a Sonata, the agencies below can help you make a decision which coverages and limits you need.

To locate a Buffalo auto insurance agent near you, click the link at the bottom or click here to compare price quotes now.

Niagara Montauk Insurance
1547 Hertel Ave - Buffalo, NY 14216 - (716) 800-4282

Jacob Hauck Agency Inc
801 Main St - Buffalo, NY 14203 - (716) 853-3820

TLC Brokerage
1660 Kensington Ave # 2 - Buffalo, NY 14215 - (716) 427-6922

Joe Czaja - State Farm Insurance Agent
1021 Union Rd - Buffalo, NY 14224 - (716) 674-3654

View map of Buffalo, NY insurance agents

Tips for finding budget-friendly car insurance for a Hyundai Sonata

The list below summarizes a few penny-pinching solutions that can help Buffalo drivers find cheaper coverage.

The last item on the list is extremely valuable, as was stressed in the prior article. Insurance rates fluctuate constantly, so don't be afraid to change insurance companies if you can find a cheaper rate.

Staying with the same car insurance company is fine, but is isn't recommended if that stubbornness costs you hundreds every year. If you have a few minutes, shop around and find cheaper auto insurance for a Hyundai Sonata in Buffalo.