1999 Hyundai Elantra Car Insurance Quotes – 7 Savings Tips

Trying to find the cheapest insurance rates for your Hyundai Elantra? Cutting costs on Driversinsurance can seem to be difficult for beginners to quoting coverage prices online. Consumers have so many agents and companies to choose from that it can easily turn into a real challenge to find the perfect company for you.

It’s a good habit to get comparison quotes before your next renewal due to the fact that insurance prices tend to go up over time. If you had the best deal for Elantra insurance a couple years back you can probably find a lower rate today. You can search a lot of insurance out there, but we’re going to give you the best ways to save money.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. But drivers need to have an understanding of how big insurance companies price insurance differently.

Take advantage of every auto insurance discount

Auto insurance companies don’t always advertise the entire discount list in a way that’s easy to find, so we researched both the well known and also the more inconspicuous discounts that may be available.

  • Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
  • Paper-free Discount – A few larger companies may give you up to $50 just for signing your application on the internet.
  • Passenger Safety Discount – Options like air bags or automatic seat belts may qualify for discounts of 25 to 30%.
  • Switch and Save Discount – Select insurance companies give a discount for buying a new policy before your current policy expires. The savings is around 10%.
  • No Charge for an Accident – Not a discount per se, but a few companies such as Allstate, State Farm and GEICO may permit one accident before your rates go up with the catch being you have to be claim-free for a certain period of time.
  • Discount for New Cars – Insuring a vehicle that is new can be considerably cheaper because newer vehicles are generally safer.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like comp or med pay. Despite the appearance that you could get a free auto insurance policy, nobody gets a free ride.

Popular auto insurance companies and a summarized list of policyholder discounts are detailed below.

  • GEICO may offer discounts for daytime running lights, anti-lock brakes, military active duty, emergency military deployment, air bags, defensive driver, and good student.
  • MetLife may include discounts for multi-policy, good student, defensive driver, good driver, and claim-free.
  • Progressive offers discounts including online signing, good student, multi-policy, continuous coverage, online quote discount, and homeowner.
  • Travelers policyholders can earn discounts including good student, home ownership, save driver, multi-policy, and driver training.
  • SAFECO offers premium reductions for teen safety rewards, teen safe driver, anti-theft, bundle discounts, safe driver, and anti-lock brakes.
  • AAA offers discounts for good driver, multi-car, multi-policy, AAA membership discount, education and occupation, pay-in-full, and good student.

When getting free car insurance quotes, it’s a good idea to every company to apply every possible discount. Some credits might not be available to policyholders in every state. To choose auto insurance companies who offer discounts, click here to view.

How to know if you need help

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

Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

  • What is an SR-22 filing?
  • Should I have combined single limit or split liability limits?
  • Do I have coverage when making deliveries for my home business?
  • Why is insurance for a teen driver so high?
  • Is there coverage for injuries to my pets?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Ads can be misleading

Big name companies like 21st Century, Allstate and State Farm continually stream ads on TV and radio. They all seem to convey the message that drivers will save a bundle if you get a free car insurance quote and switch to their company. How does each company make the same claim? It’s all in the words they use.

Many companies give the best rates for the right customer that makes them money. One example of a desirable risk may need to be a married male, has a clear driving record, and drives less than 5,000 miles a year. A driver who fits that profile receive the lowest rate quotes and will also cut their rates substantially.

Drivers who don’t measure up to these standards will get a higher premium which leads to business going elsewhere. If you listen closely, the ads state “people that switch” not “everyone who quotes” save that much. That’s the way insurance companies can confidently make the claims of big savings. Because of these techniques, it’s extremely important to compare price quotes frequently. It is impossible to guess with any certainty which company will give you the biggest savings.

Insurance specifics

Understanding the coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses for funeral costs, ambulance fees and chiropractic care. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Liability coverage

This coverage will cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as legal defense fees, attorney fees, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as much as you can afford.

Comprehensive (Other than Collision)

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

Comprehensive coverage protects against things like damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a deer, theft and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision protection

Collision coverage will pay to fix damage to your Elantra caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, damaging your car on a curb and rolling your car. 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 raise the deductible to bring the cost down.

Have money to burn

Insureds leave their current company for a variety of reasons including unfair underwriting practices, lack of trust in their agent, not issuing a premium refund or even questionable increases in premium. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.

In this article, we presented a lot of information how to compare 1999 Hyundai Elantra insurance rates online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a small local company.

As you quote car insurance, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where an insured cut uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at the best possible price, but do not skimp to save money.

Much more information about insurance coverage can be found at these links: