Insurance quote for Hyundai Sonata in DallasDo you want an efficient way to compare more affordable Hyundai Sonata insurance in Dallas? Overpriced Hyundai Sonata insurance in Dallas can eat up your bank account and force you to make tough financial choices. Comparison shopping is a fast and free way to cut your insurance bill.

A recent car insurance study revealed that over 70% of drivers kept their coverage with the same car insurance company for at least the last four years, and roughly 40% of drivers have never even compared rates from other companies. With the average car insurance premium being $2,679, Dallas drivers could cut their rates by nearly $1,766 a year just by comparing rates, but most just don't grasp the actual amount they would save if they replace their high priced policy. Since you have so many different company options, it can be hard to pick the best insurer.

It's important to compare prices every six months because prices change frequently. Just because you found the best deal on Hyundai Sonata insurance in Dallas a year ago there may be better deals available now. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to the things you must know in order to find great coverage at a great price.

The goal of this article is to let you in on how to effectively get price quotes and how you can save the most money. If you are already insured, you will definitely be able to get lower rates using the ideas presented in this article. Comparison shoppers just have to learn the quickest way to get comparison quotes using one simple form.

The companies shown below offer free rate quotes in Dallas, TX. To get the cheapest car insurance in Texas, it's a good idea that you compare several of them to find the cheapest auto insurance rates.

Hyundai Sonata Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $282 $580 $486 $28 $146 $1,522 $127
Sonata GLS 4-Dr Sedan $156 $306 $452 $26 $136 $1,076 $90
Sonata GLS 4-Dr Sedan $140 $260 $404 $24 $122 $950 $79
Sonata SE 4-Dr Sedan $266 $580 $582 $34 $174 $1,636 $136
Sonata SE 4-Dr Sedan $294 $584 $430 $26 $128 $1,462 $122
Sonata Limited 4-Dr Sedan $208 $392 $404 $24 $122 $1,150 $96
Sonata Limited 4-Dr Sedan $318 $718 $486 $28 $146 $1,696 $141
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Prices do not factor in your specific Dallas location which can increase or decrease rates considerably.

Does it make sense to buy full coverage?

The illustration below illustrates the comparison of Hyundai Sonata car insurance costs with and without physical damage coverage. The rate quotes are based on no claims or driving citations, $100 deductibles, single male driver, and no additional discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no definitive rule of when to phase out physical damage coverage, but there is a general convention. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's say your Hyundai Sonata book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying the physical damage deductible. If you are currently paying more than $200 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some circumstances where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Insurance agent or online?

Certain consumers still prefer to buy from a licensed agent and often times that is recommended Insurance agents can point out coverage gaps and give you someone to call. The best thing about price shopping on the web is that drivers can save money and get the lowest rates and still have a local agent. And supporting neighborhood insurance agencies is important particularly in Dallas.

Once you complete this form (opens in new window), your insurance coverage information is transmitted to agents in your area who will give competitive quotes for your car insurance coverage. It makes it easy because there is no need to even leave your home as quotes are delivered to the email address you provide. If you need to compare rates from a specific insurance company, feel free to visit that company's website and fill out the quote form the provide.

Dallas auto insurance agents come in two flavors

If you're trying to find a reliable insurance agency, it's important to understand the different agency structures to choose from. Car insurance agents can either be independent (non-exclusive) or exclusive. Either one can sell and service car insurance coverage, but it's worth mentioning how they differ because it can influence the kind of agent you use.

Independent Car Insurance Agents (or Brokers)

Independent agents are not employed by one company so they can insure your vehicles with multiple insurance companies and get the cheapest rates. If you are not satisfied with one company, they can switch companies in-house without you having to go to a different agency.

If you are comparing car insurance prices, we highly recommend that you contact a couple of independent agencies to have the best price comparison.

Listed below is a small list of independent agents in Dallas that can give you rate quotes.

5400 E Mockingbird Ln #224 - Dallas, TX 75206 - (214) 843-0772 - View Map

5401 N Central Expy Suite 200 - Dallas, TX 75205 - (866) 384-8579 - View Map

14180 Dallas Pkwy #900 - Dallas, TX 75254 - (972) 267-8000 - View Map

More Dallas agents

Exclusive Agencies

Agents in the exclusive channel can only write with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They are unable to compare other company's rates so they have no alternatives for high prices. They are usually well trained on their company's products which can be an advantage.

Shown below are Dallas exclusive insurance agents that can give you comparison quotes.

10300 N Central Expy #296 - Dallas, TX 75231 - (469) 232-2396 - View Map

2702 McKinney Ave #203 - Dallas, TX 75204 - (214) 740-1800 - View Map

4230 Lyndon B Johnson Fwy #105 - Dallas, TX 75244 - (972) 488-3822 - View Map

More Dallas agents

Finding the right car insurance agent should depend on more than just the premium amount. Below are some questions you should ask.

After you get satisfactory answers to your questions and a low price estimate, you have narrowed it down to an insurance agent that is reliable enough to adequately provide car insurance.