Cheaper 1997 Hyundai Elantra Insurance Cost

Trying to find cheaper car insurance rates for your Hyundai Elantra? I can’t think of a single person who rejoices having to buy car insurance, especially when they could find better prices if they shop around.

Consumers have many insurers to pick from, and although it’s a good thing to have a selection, it can be more difficult to get the best deal.

It’s smart to compare rates at least once a year due to the fact that insurance rates change quite often. Just because you found the lowest premium rates on Elantra insurance a couple years back other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to find out the fastest and easiest way to find the best coverage while lowering your premiums.

You can change your insurance rates

Many factors are used when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although others are more transparent like your continuous coverage or your commute time.Consumers need to have an understanding of the rating factors that play a part in calculating your policy premiums. If you understand what influences your rates, this enables you to make decisions that can help you get lower premium levels.

The list below includes some of the major factors used by your company to calculate rates.

Annual mileage and car insurance prices – Driving a lot of miles every year the higher your rate. A lot of insurance companies charge to insure your cars based upon how much you drive. Autos not used for work or commuting qualify for better rates compared to those used for work or business. Verify your vehicle rating is showing the right rating data. Incorrect rating for your Elantra is throwing money out the window.
Never let your coverage expire – Allowing your car insurance policy to lapse is a quick way to increase your rates. Not only will rates go up, being ticketed for driving with no insurance could result in a hefty fine and possibly a revoked license.
Lower rates come with age – Beginning drivers are statistically proven to get distracted easily behind the wheel so car insurance rates are higher. More experienced drivers have been proven to be more responsible, statistically cause fewer accidents and are safer drivers.
Gender matters – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. The data does not necessarily mean that females are better drivers. Men and women cause fender benders at about the same rate, but the males tend to have higher claims. Men also tend to have more aggressive citations like driving under the influence (DUI). Teenage male drivers are several times more likely to be in an accident so it costs more to insure them.

Start a Quote Now

Auto Insurance Discounts

Some providers don’t always advertise the entire discount list very well, so here is a list both well-publicized as well as the least known discounts that may be available.

Discounts for Seat Belt Usage – Requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
Military Discounts – Being deployed with a military unit could trigger a small discount.
Discount for Home Ownership – Owning your own home or condo can save a few bucks because maintaining a house requires personal responsibility.
Bundled Policy Discount – If you can combine your auto and home policy with the same insurance company you could earn a discount of at least 10% off all policies.
No Accidents – Drivers who don’t have accidents have much lower rates when compared with drivers who are more careless.
Discounts for Responsible Drivers – Drivers without accidents may receive a discount up to 45% on Elantra insurance than their less cautious counterparts.
Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
Discounts for Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction on Elantra insurance with a few auto insurance companies.

Just know that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. If you do the math and it seems like you can get free auto insurance, you’re out of luck. Any amount of discount will definitely reduce the cost of coverage.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

21st Century offers premium reductions for automatic seat belts, theft prevention, anti-lock brakes, teen driver, defensive driver, and 55 and older.
State Farm offers discounts including Drive Safe & Save, defensive driving training, good driver, multiple autos, and safe vehicle.
AAA has discounts for anti-theft, multi-policy, good driver, pay-in-full, and education and occupation.
Liberty Mutual may include discounts for teen driver discount, newly married, preferred payment discount, new move discount, and safety features.
Progressive may have discounts that include online signing, continuous coverage, good student, online quote discount, multi-vehicle, and homeowner.

If you want inexpensive auto insurance quotes, ask each insurance company the best way to save money. Depending on the company, some discounts might not be offered on policies in every state. To see a list of auto insurance companies with discount auto insurance rates, follow this link.

Advertising and insurance

Allstate, GEICO and Progressive seem to constantly run ads on TV and radio. All the companies say the same thing of big savings if you get a free auto insurance quote and switch your policy. How is it possible that every company can charge less that you’re paying now?

Insurance companies have an ideal profile for a prospective insured that will most likely be profitable. A good example of a preferred risk may be over the age of 40, has no driving citations, and drives a vehicle with a low ISO rating. A driver who matches that profile receive the lowest rate quotes and will also save a lot if they switch.

Insureds who don’t qualify for these standards must pay a higher premium which translates to business going elsewhere. The trick is to say “people that switch” not “everyone that quotes” save that much. That’s the way companies can claim big savings. Each company has different criteria, so drivers must get auto insurance quotes as often as possible. It is impossible to guess which company will have the best rates at this point in time.

Tailor your insurance coverage to you

When choosing adequate coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.

How much liability coverage do I need in my state?
Do I need roadside assistance coverage?
Am I better off with higher deductibles on my 1997 Hyundai Elantra?
What can I do if my company denied a claim?
Are my friends covered when driving my 1997 Hyundai Elantra?
Am I covered by my spouse’s policy after a separation?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

Educate yourself about auto insurance coverages

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on the average auto insurance policy.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like bail bonds, pain and suffering and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage protection

This will pay to fix damage to your Elantra caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, backing into a parked car, rolling your car, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hail damage, a tree branch falling on your vehicle, a broken windshield, vandalism and theft. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Hyundai Elantra.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses for EMT expenses, dental work, nursing services, funeral costs and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Best coverage at the best price

Budget-conscious 1997 Hyundai Elantra insurance is available both online and from local insurance agents, and you should compare rates from both to have the best rate selection. Some insurance providers do not offer the ability to get quotes online and these regional insurance providers only sell through independent agents.

We just presented many tips how you can shop for 1997 Hyundai Elantra insurance online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with the least-expected company. These smaller insurers may have significantly lower prices on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

For more information, link through to these articles: