Lower Your 1995 Hyundai Elantra Insurance Rates

Looking for the cheapest car insurance rates for your Hyundai Elantra? Sick and tired of being strong-armed to insure your Hyundai every month? You’re in the same situation as many other drivers.

Popular companies such as State Farm, Allstate, Geico and Progressive increase brand awareness with ads and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

Consumers should take time to shop coverage around periodically since insurance rates are adjusted regularly by insurance companies. If you had the best price for Elantra insurance on your last policy you may be paying too much now. There is a lot of bad information regarding car insurance on the web, but with this article, you’re going to get some great ideas on how to save money.

Comprehensive Insurance Coverage Comparison Quotes

All the larger insurance coverage companies like Allstate and Progressive give prices for coverage directly from their websites. Getting online rates is quite easy as you just enter your coverage information into the quote form. After you complete the form, their system pulls your credit score and driving record and gives you a price quote based on many factors. Being able to quote online simplifies rate comparisons, but the time required to go to each company’s website and repetitively fill out multiple forms can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible if you want to find the best price possible.

The easiest way to locate the lowest prices uses one form to return rates from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes online price comparison much more enjoyable. As soon as the form is sent, it gets priced and you can choose any or none of the quotes returned.

If you find a better price you simply finish the application and buy the policy. It just takes a couple of minutes and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you replicate coverages and limits as close as possible to your current policy. This guarantees you are getting a rate comparison using the exact same coverages.

How to save on Hyundai Elantra insurance

Properly insuring your vehicles can get expensive, but companies offer discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at quote time, but a few must be inquired about before you get the savings.

  • College Student – Any of your kids who live away from home without a vehicle on campus can receive lower rates.
  • Defensive Driver – Successfully completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • Safe Drivers – Safe drivers can pay as much as 50% less for Elantra insurance than less cautious drivers.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before your rates go up if your claims history is clear for a certain period of time.

Consumers should know that many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will cut your overall premium however.

To see a list of providers who offer car insurance discounts, follow this link.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out whether your personal situation might need professional guidance.

  • What companies insure drivers after a DUI or DWI?
  • Do I need rental car coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need higher collision deductibles?
  • Do I need more liability coverage?
  • Is rental equipment covered for theft or damage?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Collision protection

Collision insurance covers damage to your Elantra caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, fire damage and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability

This provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as funeral expenses, repair bills for other people’s vehicles, medical services and bail bonds. How much coverage you buy is your choice, but buy higher limits if possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like nursing services, hospital visits and funeral costs. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.