Compare 2011 Hyundai Elantra Insurance Rates

Looking for cheaper insurance rates for your Hyundai Elantra? No one in their right mind cherishes buying insurance, especially knowing they are paying too much.

Big companies like Geico, 21st Century and Progressive all claim big savings, bombarding you with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

Consumers need to check insurance prices before your policy renews since rates go up and down regularly. If you had the best rates on Elantra coverage a year ago you will most likely find a better rate today. Block out anything you think you know about insurance because you’re about to learn the tricks you need to know to get good coverage at a lower rate.

How to Buy Insurance Coverage Online

When shopping for insurance coverage there are multiple ways to compare rate quotes from insurance coverage companies in your area. The fastest way to find competitive 2011 Hyundai Elantra insurance rates involves getting comparison quotes online. This can be accomplished using a couple different methods.

The best way to find low rates is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do separate forms for every insurance coverage company. In just a few minutes this one form will get you price quotes from many national carriers.

A slightly less efficient method to get quotes online requires a trip to the website for each individual company and fill out their own quote form. For example, let’s assume you want to compare rates from Liberty Mutual, Allstate and Travelers. You would have to visit each site and enter your information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

The most time-consuming way of comparing rate quotes is to spend your day driving to and from local insurance agencies. The internet makes this process obsolete unless you want the professional advice of a licensed agent. It is possible to compare online quotes and still use a local agent and we’ll talk about that later.

It doesn’t matter which method you choose, just make absolute certain that you use exactly the same information for each price quote. If you compare different liability limits it will be very difficult to make a fair comparison for your Hyundai Elantra. Slightly different insurance coverages can result in a big premium difference. Just remember that more quotes gives you a better chance of getting a lower rate.

Pay less by taking advantage of discounts

Insuring your vehicles can cost a lot, but there could be available discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be specially asked for before being credited.

Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiration. The savings is around 10%.
Claim Free – Claim-free drivers can earn big discounts as compared to bad drivers.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky. But any discount will help reduce the amount you have to pay.

To see a list of providers with discount auto insurance rates, click here to view.

Your coverage should be tailored to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions can aid in determining if your situation may require specific advice.

How can I force my company to pay a claim?
Is pleasure use cheaper than using my 2011 Hyundai Elantra to commute?
Am I covered if my car is in a flood?
Is other people’s property covered if stolen from my vehicle?
Is my ex-spouse still covered by my policy?
Should I waive the damage coverage when renting a car?
When would I need additional glass coverage?
What vehicles should carry emergency assistance coverage?
Will my insurance pay for OEM parts?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverages and their meanings

Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like surgery, dental work, rehabilitation expenses, ambulance fees and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2011 Hyundai Elantra.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are set the same as your liablity limits.

Auto liability

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as funeral expenses, emergency aid, court costs, bail bonds and medical services. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Auto collision coverage

This covers damage to your Elantra caused by collision 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 colliding with a tree, colliding with another moving vehicle, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, damage from flooding, hail damage, fire damage and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.