Discount Hyundai Sonata insuranceWant a free price quotes on more affordable Hyundai Sonata insurance in Springfield? I can't think of anyone who enjoys paying for car insurance, especially knowing their premiums are too high.

Unbelievably, most car insurance buyers have stayed with the same insurance company for a minimum of four years, and virtually 40% of consumers have never even compared rates from other companies. The average driver in Springfield could cut their rates by 45% a year just by comparing rates, but they mistakenly think it's difficult to do a rate comparison. Popular companies such as State Farm and GEICO increase brand awareness with ad campaigns and it is difficult to ignore the promise of big savings and do the work needed to find the best deal.

If you have coverage now or just want to save money, you will benefit by learning to reduce premiums without reducing protection. Finding the cheapest coverage in Springfield is actually very simple if you learn how to start. Drivers just have to know the least time-consuming way to compare rates over the internet.

The car insurance companies shown below have been selected to offer price quotes in Springfield, MA. If multiple providers are shown, we suggest you visit several of them to find the most affordable car insurance rates.

Hyundai Sonata Insurance Rates in Springfield, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $164 $298 $362 $22 $108 $954 $80
Sonata GLS 4-Dr Sedan $240 $350 $494 $30 $148 $1,262 $105
Sonata GLS 4-Dr Sedan $286 $536 $510 $30 $152 $1,514 $126
Sonata SE 4-Dr Sedan $198 $426 $356 $22 $106 $1,108 $92
Sonata SE 4-Dr Sedan $258 $512 $378 $22 $114 $1,284 $107
Sonata Limited 4-Dr Sedan $138 $268 $356 $22 $106 $890 $74
Sonata Limited 4-Dr Sedan $370 $612 $494 $30 $148 $1,654 $138
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific location information which can decrease or increase premiums noticeably.

Auto insurance deductibles

One common question asked by Springfield drivers is how high or low should comp and collision deductibles be. The data tables below determine the differences in premium rates when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Hyundai Sonata insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $288 $520 $378 $22 $114 $1,347 $112
Sonata GLS 4-Dr Sedan $288 $520 $378 $22 $114 $1,347 $112
Sonata GLS 4-Dr Sedan $288 $520 $378 $22 $114 $1,347 $112
Sonata SE 4-Dr Sedan $288 $612 $378 $22 $114 $1,439 $120
Sonata SE 4-Dr Sedan $288 $612 $378 $22 $114 $1,439 $120
Sonata Limited 4-Dr Sedan $324 $612 $378 $22 $114 $1,475 $123
Sonata Limited 4-Dr Sedan $324 $612 $378 $22 $114 $1,475 $123
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Hyundai Sonata insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $160 $274 $378 $22 $114 $948 $79
Sonata GLS 4-Dr Sedan $160 $274 $378 $22 $114 $948 $79
Sonata GLS 4-Dr Sedan $160 $274 $378 $22 $114 $948 $79
Sonata SE 4-Dr Sedan $160 $322 $378 $22 $114 $996 $83
Sonata SE 4-Dr Sedan $160 $322 $378 $22 $114 $996 $83
Sonata Limited 4-Dr Sedan $180 $322 $378 $22 $114 $1,016 $85
Sonata Limited 4-Dr Sedan $180 $322 $378 $22 $114 $1,016 $85
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Prices do not factor in specific garaging location which can raise or lower auto insurance rates greatly.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $35 more each month or $420 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 26 months between claims, you would save money if you opt for a higher deductible.

Choosing deductibles

The diagram below demonstrates how deductible levels and can impact Hyundai Sonata insurance premiums for each different age category. The costs are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

Why do I need car insurance?

Despite the high cost of buying insurance for a Hyundai Sonata in Springfield, car insurance may be required for several reasons.

The benefits of having insurance definitely exceed the cost, specifically if you ever have a liability claim. The average driver in Massachusetts is wasting up to $750 every year so smart consumers compare quotes at every renewal to save money.

Car insurance ads are enticing

Consumers in Massachusetts get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing of big savings if you switch your car insurance coverage to their company.

How does every car insurance company make almost identical claims? It's all in the numbers.

Insurance companies have specific guidelines for the driver that will generate a profit. A good example of this type of insured might be described as over the age of 35, has a clean driving record, and drives a lower-performance vehicle. A customer getting a price quote that fits those parameters will get a cheap rate quote in Springfield and as a result will probably save when they switch companies.

People who are not a match for this stringent profile may be forced to pay a more expensive rate which usually ends up with the prospect going elsewhere. If you listen to the ad wording, they say "drivers that switch" but not "everyone who gets a quote" can save as much as they claim. This is how companies can claim big savings. That is why drivers should compare price quotes frequently. It's impossible to know which company will have the lowest rates for your situation.

Score discounts on Springfield insurance

Not many people think insurance is cheap, but there may be some discounts that many people don't even know exist. Some trigger automatically at the time of quoting, but some must be specially asked for prior to getting the savings.Save money with discounts

Just know that most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, companies wouldn't make money that way. But any discount will bring down the amount you pay for coverage.

A few of the larger companies and a summarized list of policyholder discounts are detailed below.

Before purchasing a policy, check with each company to give you their best rates. A few discounts may not be available everywhere. To locate providers who offer discounts in Springfield, click here to view.

What if I want to buy from local Springfield insurance agents?

Some consumers just prefer to go talk to an agent and that is not a bad decision Professional insurance agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of price shopping on the web is you can get the lowest rates and still have a local agent.

Insurance agency in SpringfieldAfter completing this short form, the coverage information is emailed to local insurance agents that provide free Springfield auto insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to even leave your home since rate quotes are delivered directly to your email. In the event you want to get a price quote from one company in particular, you can always find their quoting web page to submit a rate quote request.

Deciding on an insurance company is decision based upon more than just a cheap quote. These are valid questions to ask:

If you need to find local Springfield agents, you should know the different agency structures that you can select. Agents in Springfield can be classified as either exclusive or independent agents depending on their company appointments. Either type can sell and service insurance coverage, but we need to point out how they are different because it can impact buying decisions.

Exclusive Insurance Agencies

These type of agents can usually just insure with one company and some examples include Farmers Insurance or State Farm. They usually cannot provide other company's prices so if the price isn't competitive there isn't much they can do. Exclusive agents receive extensive training on their company's products which helps them sell on service rather than price.

Listed below is a list of exclusive agents in Springfield who can help you get comparison quotes.


1399 Riverdale St - West Springfield, MA 01089 - (413) 858-6899 - View Map

Allstate Insurance: Ly Nguyen Cunningham
876 Sumner Ave - Springfield, MA 01108 - (413) 746-2300 - View Map


238 Chestnut St - Springfield, MA 01103 - (413) 827-7700 - View Map

More Springfield agents

Independent Agents (or Brokers)

Agents in the independent channel do not write with just one company so they can quote policies with many different companies and find you the best rates. To move your coverage to a new company, they simply move your policy to a different company and you won't have to switch agencies. When searching for an agent, we highly recommend that you check rates from several independent insurance agents for the best price selection.

Shown below are Springfield independent agencies that are able to give comparison quotes.


30 Capital Dr # B - West Springfield, MA 01089 - (413) 731-1100 - View Map


1200 Converse St - Springfield, MA 01106 - (413) 754-3209 - View Map


2260 Westfield St - West Springfield, MA 01089 - (413) 746-2822 - View Map

More Springfield agents

Quote more and you will save more

In this article, we covered a lot of ways to shop for Hyundai Sonata insurance online. It's most important to understand that the more providers you compare, the better likelihood of getting cheaper Springfield auto insurance quotes. You may even find the lowest car insurance rates are with a small mutual company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

As you quote Springfield auto insurance, make sure you don't skimp on critical coverages to save a buck or two. In many cases, drivers have reduced liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your objective should be to find the BEST coverage at the best possible price, but do not skimp to save money.

More detailed auto insurance information can be read in these articles: