1999 Hyundai Elantra Insurance Quotes

Searching for the lowest cost auto insurance on the web may be intimidating for consumers not familiar with shopping for insurance online. With such a large number of choices, how can you have a chance to compare the different rates to find the best price?

Insurance Coverage Comparison Rates

There are several ways to compare Hyundai Elantra insurance coverage prices but some are less time-consuming than others. You can spend your afternoon driving to insurance companies in your area, or you could use the internet to get pricing more quickly.

Most car insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and each company then gives them pricing based on that information. This prevents consumers from doing quote forms to each individual insurance coverage company.

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The only downside to using this type of system is buyers cannot specifically choose the providers to get pricing from. If you wish to select specific providers to request quotes from, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you use, be sure to compare exactly the same coverage information for every quote you compare. If you have differing limits you can’t possibly determine the lowest rate for your Hyundai Elantra. Having just a slight variation in coverage limits can mean a large discrepancy in price. Just keep in mind that more quotes will enable you to find the best offered rates.

These discounts can lower your rates

Car insurance can cost a lot, but there could be available discounts to help bring down the price. A few discounts will automatically apply when you quote, but a few need to be specially asked for before they will apply.

  • Discount for Swiching Early – Select companies give a discount for switching policies prior to your current policy expiring. The savings is around 10%.
  • Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident without raising rates if your claims history is clear for a certain period of time.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Elantra insurance with certain companies.
  • Drivers Ed for Students – Have your child take driver’s ed class if offered at their school.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings of more than 20%.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared with accident-prone drivers.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates for Elantra insurance.

Consumers should know that some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. So when it seems like all those discounts means the company will pay you, insurance companies aren’t that generous. But all discounts will cut the cost of coverage.

Car insurance companies that may have these benefits include:

Double check with all companies you are considering what discounts are available to you. All car insurance discounts might not be offered in your state.

Factors that might impact rates for a Hyundai Elantra

Consumers need to have an understanding of the rating factors that go into determining the price you pay for insurance. Having a good understanding of what determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

Listed below are some of the factors that factor into premiums.

  • Men fork out a little more – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Women and men are in accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Hyundai Elantra is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • High numbers of claims are not good – If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies give better rates to people who do not rely on their insurance for small claims. Auto insurance is intended for the large, substantial claims.
  • Special features that cut premiums – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Your location affects your rates – Residing in a small town has it’s advantages when buying insurance. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Fewer people means fewer accidents.
  • Drive less and save money – Driving more miles in a year the higher your rates will be. The majority of insurers rate vehicles based on their usage. Cars and trucks used primarily for pleasure use can get a lower rate compared to those used for work or business. Having the wrong rating on your Elantra may be costing you. Double check that your insurance coverage shows the proper vehicle usage, because it can save money.
  • Bump up deductibles to save – Deductibles for physical damage represent how much money you are willing to pay before your insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply are colliding with a building, collision with an animal, and windstorm damage. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive for Elantra insurance.
  • Protect yourself with liability coverage – Liability insurance provides coverage if a jury decides you are liable for damages from an accident. Liability provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.

Different people need different coverages

When it comes to choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether you will benefit from professional help.

  • Is a blown tire covered by insurance?
  • Is my custom paint covered by insurance?
  • Does my car insurance cover rental cars?
  • Does my liability insurance cover pulling a trailer or camper?
  • What if I owe more than I can insure my car for?
  • If my 1999 Hyundai Elantra is totaled, can I afford another vehicle?
  • How can I get high-risk coverage after a DUI?
  • What is the ISO rating for a 1999 Hyundai Elantra?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Car insurance coverage information

Understanding the coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive auto coverage – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, hitting a deer, damage from a tornado or hurricane and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability – Liability coverage can cover damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like pain and suffering, repair costs for stationary objects, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Collision – This coverage covers damage to your Elantra from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for expenses for chiropractic care, X-ray expenses, EMT expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Be a Smart Shopper

While you’re price shopping online, never sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced liability coverage limits and learned later that it was a big mistake. Your focus should be to find the BEST coverage at the best price while still protecting your assets.

Discount 1999 Hyundai Elantra insurance is attainable both online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

In this article, we presented a lot of techniques to compare insurance prices online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a smaller regional carrier.

Additional insurance coverage information can be read at the links below