2001 Hyundai Elantra Car Insurance Rates – 6 Discounts for Cheaper Quotes

Cutting costs on Driverscar insurance could be a challenge for people who are beginners to quoting coverage prices online. You have so many agents and companies to choose from that it can be a difficult situation to find the best premium rates.

It’s important to compare premium rates quite often since insurance prices are variable and change quite frequently. Even if you think you had the best price for Elantra insurance a year ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because we’re going to show you one of the quickest ways to find better rates and still maintain coverage.

Buying car insurance is easy if you know what you’re doing. Basically, every vehicle owner who is shopping for car insurance stands a good chance to be able to lower their premiums. Although vehicle owners do need to learn how companies compete online.

Don’t overlook these six insurance discounts

Companies that sell car insurance do not list the complete list of policy discounts in a way that’s easy to find, so we took the time to find some of the best known as well as the least known savings tricks you should be using when you buy insurance online.

  • Full Payment Discount – If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
  • College Student Discount – Kids who are attending college and won’t have access to an insured vehicle can receive lower rates.
  • Sign Online – Some of the larger companies provide a small discount just for signing your application on the internet.
  • Homeowners Savings – Just being a homeowner can earn you a little savings because owning a home demonstrates responsibility.
  • Discounts for Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease for Elantra insurance but check with your company.
  • No Accidents – Insureds who avoid accidents and claims get the best insurance rates when compared to accident-prone drivers.

A little disclaimer on discounts, most credits do not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, it just doesn’t work that way.

Popular insurance companies and a selection of discounts can be read below.

  • Progressive offers discounts for continuous coverage, online quote discount, homeowner, good student, multi-policy, multi-vehicle, and online signing.
  • SAFECO policyholders can earn discounts including anti-theft, multi-car, anti-lock brakes, homeowner, and teen safety rewards.
  • American Family has discounts for mySafetyValet, air bags, good driver, accident-free, good student, and TimeAway discount.
  • MetLife has savings for defensive driver, multi-policy, good driver, accident-free, good student, claim-free
  • GEICO discounts include anti-lock brakes, defensive driver, driver training, good student, air bags, and multi-vehicle.
  • The Hartford includes discounts for vehicle fuel type, good student, driver training, air bag, and defensive driver.

It’s a good idea to ask each company or agent what discounts are available to you. Some of the discounts discussed earlier may not apply in your area. To view insurance companies that provide some of the discounts listed above, click here to view.

How to get auto insurance quotes

To find the best auto insurance rates, there are several ways to get quotes from many different insurance companies. The best way to find cheaper Hyundai Elantra rates is to get quotes online. It’s really quite simple and can be done using a couple different methods.

  1. The most efficient method to find the lowest comparison rates is a comparison rater form click here to open form in new window. This type of form keeps you from doing separate quote forms for every company. One form submission will get you price quotes from auto insurance companies with the best prices. It’s the fastest way to compare.
  2. A slightly less efficient method to get quotes online consists of going to the website for every company you want to comare to complete their respective quote request forms. For examples sake, let’s assume you are doing a rate comparison from GEICO, Safeco and Liberty Mutual. In order to get each rate, you would have to spend time going to each site individually and enter your information, which can get rather old.

    For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but try to use the exact same coverage data on every quote. If the quotes have different values for each quote it will be very difficult to determine which rate is truly the best. Just slight variations in limits can result in a big premium difference. It’s important to know that getting more free quotes increases your odds of finding a better price.

When to get professional advice

When buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different.

For example, these questions may help highlight if you could use an agent’s help.

  • Do I have coverage if my license is suspended?
  • I have a DUI can I still get coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Exactly who is provided coverage by my policy?
  • Can I afford to buy a different vehicle if my 2001 Hyundai Elantra is totaled?
  • What vehicles should carry emergency assistance coverage?
  • Is pleasure use cheaper than using my 2001 Hyundai Elantra to commute?
  • Why do I only qualify for high-risk insurance?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form.

Parts of your car insurance policy

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

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Hyundai Elantra.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Liability coverage – This coverage protects you from injuries or damage you cause to people or other property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims like bail bonds, court costs, emergency aid and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Comprehensive coverages – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, damage from a tornado or hurricane, theft and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as prosthetic devices, nursing services, X-ray expenses and EMT expenses. They can be used to fill the gap from 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 is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Final considerations

We’ve covered many tips how you can get a better price on 2001 Hyundai Elantra insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding low cost insurance. You may even discover the most savings is with a smaller regional carrier.

Cheap 2001 Hyundai Elantra insurance is definitely available on the web in addition to many insurance agents, so you need to quote insurance with both in order to have the best chance of saving money. Some insurance companies may not have rate quotes online and usually these regional carriers sell through local independent agencies.

When shopping online for car insurance, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where someone sacrificed liability coverage limits and discovered at claim time that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

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