If you want to save money, the best way to find affordable Hyundai Sonata insurance in Omaha is to do an annual price comparison from different companies in Nebraska. You can compare rates by following these steps.
- Spend a few minutes and learn about what is in your policy and the things you can change to prevent rate increases. Many factors that result in higher prices such as traffic citations and your credit history can be remedied by making minor changes in your lifestyle.
- Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive and State Farm, while independent agents can provide rate quotes for a wide range of insurance providers.
- Compare the new rates to your current policy to determine if switching companies saves money. If you find a better price and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
A tip to remember is to use similar deductibles and liability limits on each quote request and and to compare as many companies as feasibly possible. This guarantees a level playing field and a thorough price selection.
It’s an obvious statement that car insurance companies don’t want you to compare rates. Insureds who get comparison quotes at least once a year will probably move their business because there is a high probability of finding a cheaper policy. Remarkably, a study showed that consumers who shopped around annually saved $72 a month as compared to drivers who never compared rates.
If finding the most affordable auto insurance in Omaha is the reason you’re reading this, knowing how to shop and compare coverages can save time and money.
When comparison shopping, comparing all the rates in your area helps locate a better price. Not every company allows you to get online Omaha Sonata insurance quotes, so it’s recommended that you also compare prices on coverage from those companies, too.
The following companies are ready to provide price comparisons in Nebraska. If you wish to find the cheapest car insurance in NE, we suggest you compare several of them in order to find the most affordable rates.
Protect your Hyundai vehicle and other assets
Even though Omaha Sonata insurance rates can get expensive, insuring your vehicle is required in Nebraska but also provides important benefits.
- Almost all states have compulsory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance in order to be legal. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your vehicle has a lienholder, almost all lenders will stipulate that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender will be forced to insure your Hyundai for a lot more money and force you to pay a much higher amount than you were paying before.
- Car insurance preserves not only your car but also your assets. It will also cover most medical and hospital costs for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and 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, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance greatly outweigh the cost, especially when you need to use it. As of last year, the average driver in Nebraska overpays more than $869 every year so it’s recommended you shop around every year to ensure rates are inline.
Hyundai Sonata coverage statistics
The rate table shown below showcases different insurance prices for Hyundai Sonata models. Having a good grasp of how insurance rates are established can benefit drivers when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $234 | $428 | $348 | $20 | $104 | $1,134 | $95 |
| Sonata GLS 4-Dr Sedan | $234 | $428 | $348 | $20 | $104 | $1,134 | $95 |
| Sonata GLS 4-Dr Sedan | $234 | $428 | $348 | $20 | $104 | $1,134 | $95 |
| Sonata SE 4-Dr Sedan | $234 | $506 | $348 | $20 | $104 | $1,212 | $101 |
| Sonata SE 4-Dr Sedan | $234 | $506 | $348 | $20 | $104 | $1,212 | $101 |
| Sonata Limited 4-Dr Sedan | $264 | $506 | $348 | $20 | $104 | $1,242 | $104 |
| Sonata Limited 4-Dr Sedan | $264 | $506 | $348 | $20 | $104 | $1,242 | $104 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Table data does not factor in your specific Omaha location which can increase or decrease price quotes greatly.
The diagram below shows how choosing a deductible and can influence Hyundai Sonata insurance rates for different categories of driver ages. The premiums are based on a single female driver, full physical damage coverage, and no discounts are applied.
Drive responsibly or pay higher rates
The chart below shows how traffic citations and at-fault claims raise Hyundai Sonata insurance prices for each different age category. The rates are based on a single female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
Do you need full coverage?
The illustration below illustrates the comparison of Hyundai Sonata premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Nebraska. The data assumes a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There is no clear-cut formula for phasing out comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s say your Hyundai Sonata replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying your deductible. If it’s costing you more than $500 a year for your policy with full coverage, then you might want to think about dropping full coverage.
There are a few situations where dropping physical damage coverage is not advised. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage.
Do you qualify for discounts on Hyundai Sonata insurance in Omaha?
Insurance can be pricey, but you might be missing out on some discounts that can dramatically reduce your bill. Many discounts should be triggered at the time you complete a quote, but a few need to be requested specifically before you will receive the discount.
- Claim-Free Discount – Insureds with no claims or accidents can save substantially compared to insureds who have frequent claims or accidents.
- Defensive Driver – Participating in a driver safety course could save 5% or more and easily pay for the cost of the class.
- Early Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you may have a lower total premium amount.
- Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class as it will make them better drivers and lower rates.
- Discount for New Cars – Buying insurance coverage on a new vehicle may earn a small discount because new vehicles keep occupants safer.
- Auto/Life Discount – Larger companies have a lower rate if you buy some life insurance too.
- Employee of Federal Government – Employees or retirees of the government can save as much as 8% depending on your insurance provider.
- No Charge for an Accident – Not a discount per se, but a handful of insurance companies permit an accident without the usual rate increase with the catch being you have to be claim-free for a specific time period.
Just know that many deductions do not apply to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, companies don’t profit that way.
The information below compares Hyundai Sonata car insurance costs with and without policy discounts. The data assumes a female driver, no claims, a clean driving record, Nebraska 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 claim-free, multi-policy, marriage, multi-car, safe-driver, and homeowner discounts applied.
Large insurance companies and their offered discounts are outlined below.
- 21st Century may include discounts for anti-lock brakes, 55 and older, student driver, air bags, theft prevention, good student, and driver training.
- Progressive offers discounts including multi-policy, continuous coverage, good student, online signing, and multi-vehicle.
- State Farm offers premium reductions for defensive driving training, safe vehicle, student away at school, anti-theft, accident-free, and passive restraint.
- Nationwide policyholders can earn discounts including multi-policy, good student, accident-free, Farm Bureau membership, family plan, and defensive driving.
- Esurance includes discounts for anti-theft, safety device, multi-car, anti-lock brakes, renters, and good driver.
- The Hartford has discounts for driver training, defensive driver, vehicle fuel type, anti-theft, good student, and air bag.
When getting free Omaha auto insurance quotes, it’s a good idea to every prospective company to apply every possible discount. Some discounts may not be available in your area.
Exclusive or independent car insurance agents
Certain consumers still like to buy from a local agent and there is nothing wrong with that. The best thing about getting online price quotes is that you can obtain lower rates and still choose a local agent. Buying from and supporting neighborhood insurance agencies is definitely important in Omaha.
For easy comparison, once you complete this simple form, the quote information gets sent to companies in Omaha who will return price quotes to get your business. You never need to leave your computer since price quotes are sent straight to your inbox. Get lower rates AND an agent nearby. If you wish to quote rates from a specific insurance company, you just need to navigate to their website and submit a quote form there.
Choose an insurance agent wisely
If you prefer to buy auto insurance from a reliable insurance agency, you need to know there are two different agency structures and how they differ in how they quote coverages. Auto insurance policy providers can either be exclusive agents or independent agents.
Independent Agents (or Brokers)
These agents are appointed with more than one company so they can write business through lots of different companies and get the cheapest rates. If your agent finds better pricing, they simply move your policy to a different company which makes it simple for you.
If you are comparing auto insurance prices, it’s recommended you compare quotes from independent agents so that you can do a thorough price comparison.
Featured below are Omaha independent insurance agencies that can give you price quotes.
Davis Companies
1313 Cuming St #200 – Omaha, NE 68102 – (402) 399-9090 – View Map
Nia Insurance Agency Inc
2816 N 24th St – Omaha, NE 68110 – (402) 779-8999 – View Map
BW Insurance Agency, Inc.
13906 Gold Cir # 103 – Omaha, NE 68144 – (402) 918-0102 – View Map
Exclusive Agencies
These type of agents write business for a single company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to provide rate quotes from other companies so you need to shop around if the rates are high. These agents are usually well trained on their products and sales techniques which helps them compete with independent agents.
Below is a list of exclusive agents in Omaha willing to provide price quote information.
Jay Bergmeier – State Farm Insurance Agent
16707 Q St – Omaha, NE 68135 – (402) 895-7500 – View Map
State Farm: Kyle Emsick
1018 Dodge St #2 – Omaha, NE 68102 – (402) 558-5060 – View Map
Janice Peterson – State Farm Insurance Agent
9785 Q St Ste #4 – Omaha, NE 68127 – (402) 593-1899 – View Map
Choosing the best insurance agency shouldn’t rely on just a low price. The answers to these questions are important, too.
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is the coverage adequate for your vehicle?
- Are they actively involved in the community?
- Are they in the agency full-time?
- Are they primarily personal or commercial lines agents in Omaha?
- If your car is totaled, how to they determine the replacement cost?
Auto insurance savings summarized
Throughout this article, we presented a lot of ways to save on Hyundai Sonata insurance in Omaha. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the lowest premium rates are with a small local company. They can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.
When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where someone dropped physical damage coverage only to find out that it was a big mistake. Your focus should be to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.
Low-cost Hyundai Sonata insurance in Omaha is attainable from both online companies and from local insurance agents, so you need to shop Omaha auto insurance with both to have the best chance of lowering rates. Some companies may not offer rates over the internet and many times these small insurance companies prefer to sell through independent insurance agencies.
For more information, take a look at these articles:
- Auto Theft Statistics (Insurance Information Institute)
- Who Has Cheap Omaha Auto Insurance Quotes for Retired Military? (FAQ)
- How Much are Auto Insurance Rates for Drivers with Accidents in Omaha? (FAQ)
- Who Has Affordable Auto Insurance with Multiple Speeding Tickets in Omaha? (FAQ)
- Who Has the Cheapest Car Insurance for a Nissan Rogue in Omaha? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Veterans in Omaha? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Low Mileage Drivers in Omaha? (FAQ)
- Red Light Cameras (State Farm)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Vehicle Insurance (Wikipedia)
- Should I Buy a New or Used Car? (Allstate)