Cheaper 2018 Hyundai Elantra Car Insurance Cost

Shoppers have options when shopping for affordable Hyundai Elantra insurance. You can either spend your time driving around trying to get quotes or leverage the internet to make rate comparisons.

There are both good and bad ways to find car insurance online and we’ll show you the absolute fastest way to get price quotes for a new or used Hyundai and get the lowest possible price either online or from local insurance agents.

It’s a great practice to compare premium rates quite often because prices fluctuate regularly. If you had the lowest quotes on Elantra insurance a few years ago other companies may now be cheaper. There are a lot of ways to save on car insurance out there, but I’m going to show you the best ways to quit paying high car insurance rates.

This article will familiarize you with the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Consumers only need to know the proper way to compare prices over the internet.

How to find affordable insurance

There are a variety of methods to compare insurance prices but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking to agents in your area, or you can stay home and use the internet to get the quickest rates.

Most of the best insurance companies take part in a program that allows shoppers to enter their coverage request one time, and each participating company returns a rated price for coverage. This system prevents you from having to do repetitive form submissions for every insurance company. To enter your information into the quoting system, click to open in new window.

The one disadvantage to using this type of form is you cannot specify which insurance companies to get pricing from. If you prefer to choose from a list of companies to receive pricing from, we have a page of low cost insurance companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, make darn sure you compare exactly the same information for each price quote. If the quotes have different values for each quote it will be next to impossible to decipher which rate is best.

Beware of misleading insurance ads

Drivers can’t get away from ads that claim the cheapest prices from companies such as Allstate, Geico and Progressive. All the companies tend to make the same promise that you can save if you switch your policy.

How does each company make the same claim? It’s all in how they say it.

Different companies require specific criteria for the type of customer that earns them a profit. For instance, a profitable customer may be over the age of 35, is a homeowner, and drives a lower-performance vehicle. Any customer that meets those criteria gets the lowest premium rates as well as save quite a bit of money when switching.

Consumers who cannot meet the requirements will be charged a higher rate which usually ends up with the customer not purchasing. Company advertisements say “drivers that switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently lure you into getting a quote.

Because of these techniques, it is so important to compare quotes as often as possible. Because you cannot predict which company will have better rates than you’re paying now.

More discounts mean lower-cost premiums

Some companies don’t necessarily list the complete list of policy discounts in a way that’s easy to find, so below is a list both the well known as well as the least known ways to save on car insurance.

  • No Charge for an Accident – Not really a discount, but some insurance companies will turn a blind eye to one accident without raising rates with the catch being you have to be claim-free for a particular time prior to the accident.
  • E-sign Discounts – A few companies will give a small break for buying your policy digitally online.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Elantra insurance than drivers with accidents.
  • Accident-Free Discounts – Insureds with no claims or accidents can earn big discounts compared to frequent claim filers.
  • Good Students Pay Less – Being a good student can earn a discount of 20% or more. You can use this discount normally up to age 25.
  • Mature Driver Discount – Seniors can possibly qualify for better car insurance rates on Elantra insurance.
  • Distant Student – Older children who attend college more than 100 miles from home and do not take a car to college may qualify for this discount.
  • Memberships – Being a member of a professional or civic organization may earn a discount on your policy.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

The best car insurance companies and a selection of discounts are outlined below.

  • State Farm may have discounts that include passive restraint, good student, driver’s education, anti-theft, safe vehicle, accident-free, and multiple policy.
  • Geico includes discounts for driver training, anti-theft, anti-lock brakes, membership and employees, daytime running lights, and emergency military deployment.
  • SAFECO policyholders can earn discounts including anti-lock brakes, drive less, multi-car, accident prevention training, safe driver, teen safety rewards, and anti-theft.
  • Farmers Insurance offers discounts for bundle discounts, early shopping, youthful driver, electronic funds transfer, homeowner, good student, and distant student.
  • AAA may offer discounts for anti-theft, education and occupation, multi-policy, good student, pay-in-full, good driver, and AAA membership discount.
  • USAA offers premium reductions for good student, loyalty savings, defensive driver, annual mileage, and safe driver.

If you are trying to find inexpensive insurance quotes, ask each company or agent which discounts they offer. Some discounts might not be available to policyholders in every state.

It’s not one size fits all

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that could help you determine whether you would benefit from professional advice.

  • Am I covered when using my vehicle for business?
  • Which is better, split liability limits or combined limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Where can I find DUI or SR-22 insurance?
  • Can I make deliveries for my home business?
  • Can my babysitter drive my car?
  • Are rental cars covered under my policy?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance – This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, damage from getting keyed, hitting a deer, hail damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability – Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability 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 total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as pain and suffering, attorney fees, bail bonds and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for expenses such as pain medications, doctor visits and funeral costs. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision – Collision coverage covers damage to your Elantra resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, backing into a parked car, hitting a mailbox, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Hyundai Elantra.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Quote more. Save more.

In this article, we presented many ways to reduce 2018 Hyundai Elantra insurance car insurance rates online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting cheap insurance. Consumers could even find that the most savings is with a smaller regional carrier.

The cheapest 2018 Hyundai Elantra insurance can be purchased on the web in addition to many insurance agents, so you need to shop insurance with both so you have a total pricing picture. There are still a few companies who may not offer online quoting and these smaller companies only sell through independent agencies.

Drivers switch companies for any number of reasons including questionable increases in premium, lack of trust in their agent, delays in paying claims and even delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.

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