Compare 2015 Hyundai Elantra Insurance Quotes

Trying to find lower auto insurance rates for your Hyundai Elantra? Are you confused by the crazy number of auto insurance company choices? Many other drivers are as well. Drivers have so many options available that it can easily become a lot of work to find the best price.

Free Quotes for Auto Insurance

All major auto insurance companies provide pricing directly from their websites. Getting online quotes doesn’t take much effort as you just type in the amount of coverage you want into the quote form. Upon sending the form, the system pulls information on your driving record and credit history and generates pricing information.

This helps simplify price comparisons, but the time required to go to several different sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible if you want to find better auto insurance pricing.

A less time-consuming method to compare auto insurance pricing is to use a quote form that gets price quotes from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online much more enjoyable and efficient. As soon as you send your information, your coverage is rated with multiple companies and you can pick any of the quotes that you receive. If you find a better price you can simply submit the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

In order to find out what other companies charge, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you complete the form with the insurance coverages just like they are on your policy. Doing this guarantees you will get a fair comparison using the same coverage and limits.

Lots of discounts mean lots of savings

Companies don’t always advertise all their discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known savings tricks you should be using.

  • Accident Free – Claim-free drivers pay much less when compared with drivers who are more careless.
  • Resident Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Save over 55 – Older drivers may qualify for a discount up to 10% on Elantra coverage.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Government Employees – Simply working for the federal government may qualify you for a discount on Elantra coverage with a few auto insurance companies.
  • Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.

Drivers should understand that most discounts do not apply the the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

Companies that possibly offer some of the above discounts include:

Double check with every prospective company what discounts are available to you. All car insurance discounts may not apply in your area.

Situations that might require an agent

When choosing coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions could help you determine whether you could use an agent’s help.

  • Does my liability insurance cover pulling a trailer or camper?
  • Exactly who is provided coverage by my policy?
  • Does having multiple vehicles earn me a discount?
  • Am I covered when driving someone else’s vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Can I still get insurance after a DUI?
  • How can I find cheaper teen driver insurance?
  • Can I afford to buy a different vehicle if my 2015 Hyundai Elantra is totaled?
  • Do I need special endorsements for business use of my vehicle?
  • Are my friends covered when driving my 2015 Hyundai Elantra?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Hyundai Elantra rate determination is complex

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for car insurance. Understanding what controls the rates you pay allows you to make educated decisions that can help you get lower car insurance prices.

The list below includes a few of the “ingredients” companies use to determine your rates.

  • Pay less if you’re married – Getting married helps lower the price on car insurance. Having a spouse is viewed as being more mature and statistics show married couples file fewer claims.
  • Battle of the sexes – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Women and men tend to get into accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets like reckless driving and DUI.
  • Little extras can really add up – There are quite a few additional coverages that can waste your money on your Elantra policy. Things like personal injury protection, accident forgiveness and additional equipment coverage are some examples. These coverages may sound good when talking to your agent, but now you might not need them so remove them from your policy.
  • Your job and insurance rates – Careers like real estate brokers, executives and stock brokers are shown to have the highest rates attributed to high stress and lengthy work days. On the other hand, occupations such as pilots, students and retirees pay the least on Elantra coverage.
  • Multiple policies with one company can save – Most car insurance companies will give a discount to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, you may still want to compare other company rates to make sure you are getting the best deal.
  • Lower rates with optional equipment – Driving a car with an alarm system can get you a discount on your car insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can look forward to higher rates. Companies give better rates to policyholders who do not file claims often. Insurance coverage is intended for larger claims.

Insurance coverage options for a Hyundai Elantra

Understanding the coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Hyundai Elantra.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, a broken windshield and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

This coverage can cover damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as medical expenses, loss of income, structural damage, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like funeral costs, ambulance fees, doctor visits and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage pays for damage to your Elantra resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, colliding with a tree, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

You can do this!

The cheapest 2015 Hyundai Elantra insurance can be bought on the web and with local insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

In this article, we presented many ideas to compare insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may be surprised to find that the lowest priced insurance comes from a small mutual company.

When trying to cut insurance costs, it’s very important that you do not reduce coverage to reduce premium. In many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Additional information is available at the links below