Save on 2017 Hyundai Elantra Insurance Quotes

Looking for the cheapest auto insurance rates for your Hyundai Elantra? Tired of trying to scrape together enough money each month for car insurance? You are no different than many other consumers.

Many car insurance companies compete for your business, so it’s not easy to compare every company to find the absolute best rate

If you have car insurance now, you will be able to lower your premiums substantially using this information. Finding affordable coverage is not rocket science. But vehicle owners can benefit from knowing the way companies price online insurance and use this information to your advantage.

Comprehensive Auto Insurance Comparison

Effectively comparing auto insurance prices can take hours if you aren’t aware of the most efficient way. You can waste hours discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to get the quickest rates.

Many insurance companies are enrolled in a marketplace where prospective buyers send in one quote, and at least one company returns a rated price. This saves time by eliminating repetitive form submissions for each company.

To compare pricing click here (opens in new window).

One minor caviat to doing it this way is you are unable to specify which carriers you want pricing from. So if you prefer to pick individual companies to compare rates, we have a page of auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverages and limits on every quote. If your comparisons have different limits and deductibles on each one it will be very difficult to make a fair comparison for your Hyundai Elantra. Just a small difference in coverages can make a big difference in price. And when quoting auto insurance, remember that comparing a large number of companies helps locate a lower rate.

Take discounts and save

Car insurance companies don’t necessarily list all their discounts very clearly, so we researched both the well known and the more hidden ways to save on auto insurance.

  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Memberships – Being a member of a professional or civic organization is a good way to get lower rates when shopping for auto insurance for Elantra coverage.
  • 55 and Retired – Mature drivers may be able to get reduced rates for Elantra coverage.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Elantra coverage with certain companies.
  • No Charge for an Accident – A few companies allow you one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Multi-policy Discount – If you insure your home and vehicles with one company you could get a discount of 10% to 20% off each policy.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Resident Student – Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Safety Course Discount – Taking part in a driver safety course could save 5% or more if you qualify.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.

Car insurance companies that may offer these discounts include:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts may not apply in your state.

Which policy gives me the best coverage?

When buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. For example, these questions may help you determine whether you may require specific advice.

  • Should I buy only the required minimum liability coverage?
  • What exactly is covered by my policy?
  • Is my Hyundai Elantra covered if I use it for business?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when driving in Canada or Mexico?
  • What are the financial responsibility laws in my state?
  • Am I covered if I break a side mirror?
  • How high should my uninsured/underinsured coverage be in my state?
  • How much liability do I need to cover my assets?
  • Should I buy full coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with 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.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like nursing services, chiropractic care, pain medications, prosthetic devices and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Collision – Collision coverage will pay to fix damage to your Elantra caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, hitting a mailbox, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, fire damage, hail damage and vandalism. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability – Liability insurance will cover damage that occurs to other’s property or people in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like attorney fees, loss of income and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Saving money is sweet as honey

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped physical damage coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at an affordable rate while still protecting your assets.

Cheaper 2017 Hyundai Elantra insurance is attainable online and with local insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

You just read some good ideas how to compare insurance prices online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the most savings is with the least-expected company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

Additional detailed information is located in these articles: