Cheaper 2013 Hyundai Elantra GT Insurance Cost

Want cheaper insurance coverage rates for your Hyundai Elantra GT? Comparing car insurance quotes online might seem complicated at first since most people haven’t used online rate comparisons. But don’t throw in the towel because we’re going to show you how.

How much is auto insurance?

Effectively comparing auto insurance prices can be a lot of work if you don’t utilize the best way to get rate quotes. You can waste hours talking to insurance agencies in your area, or you can stay home and use online quoting to achieve your goal.

Many popular insurance companies take part in a program that enables customers to complete one form, and at least one company provides a quote determined by their information. This eliminates the need for quote forms for each company.

To compare rates using this form now click here to open in new window.

The single downside to pricing coverage this way is that consumers can’t choose which insurance companies to get pricing from. So if you want to select individual companies to request quotes from, we put together a list of companies who write auto insurance in your area. Click here to view list.

How you compare quotes is your choice, just ensure you’re using equivalent quote information on every quote you get. If your comparisons have higher or lower deductibles then you won’t be able to make an equal comparison. Quoting even small variations in insurance coverages or limits could throw off the whole comparison. And when comparing auto insurance rates, know that comparing a large number of companies gives you a better chance of getting the best price.

Affordable auto insurance rates with discounts

Auto insurance can be pricey, but you may qualify for discounts to reduce the price significantly. Some discounts will apply at the time of quoting, but some must be requested specifically before being credited.

• Home Ownership Discount – Just owning your own home can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
• Buy New and Save – Insuring a new car may earn a small discount since newer models have better safety ratings.
• Bundle and Save – If you have multiple policies with the same company you may save at least 10 to 15 percent or more.
• Paperless Signup – Some of the larger companies will give you a small discount for buying a policy and signing up online.
• Federal Employees – Federal government employees could provide a small rate reduction on Elantra GT coverage depending on your company.
• Smart Student Discounts – Performing well in school can save 20 to 25%. The discount lasts well after school through age 25.
• Memberships – Being a member of specific professional or occupational memberships or organizations could earn you a nice discount when getting a car insurance quote.

A quick disclaimer, most discounts do not apply the the whole policy. Some only apply to individual premiums such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The best auto insurance companies and some of the premium reductions they offer can be found below.

• GEICO may include discounts for military active duty, anti-lock brakes, good student, seat belt use, membership and employees, and daytime running lights.
• Travelers discounts include early quote, continuous insurance, multi-car, driver training, save driver, multi-policy, and payment discounts.
• Farm Bureau may have discounts that include 55 and retired, good student, driver training, multi-vehicle, and multi-policy.
• Liberty Mutual includes discounts for teen driver discount, new move discount, multi-car, exclusive group savings, preferred payment discount, and multi-policy.
• American Family may offer discounts for mySafetyValet, good driver, Steer into Savings, bundled insurance, good student, and TimeAway discount.
• Progressive offers discounts including multi-policy, online signing, online quote discount, homeowner, and multi-vehicle.

Before purchasing a policy, check with all companies you are considering how you can save money. Discounts might not be offered on policies in your area. If you would like to see a list of auto insurance companies that offer some of these discounts, click here to view.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions might point out if your situation might need an agent’s assistance.

• How does medical payments coverage work?
• Does having multiple vehicles earn me a discount?
• When would I need additional glass coverage?
• How can I get high-risk coverage after a DUI?
• What companies insure drivers after a DUI or DWI?
• Is pleasure use cheaper than using my 2013 Hyundai Elantra GT to commute?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance 101

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Hyundai Elantra GT.

Since a lot of 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. Usually these coverages do not exceed the liability coverage limits.

Coverage for liability – Liability insurance can cover damages or injuries you inflict on other people or property in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as medical expenses, structural damage, legal defense fees and emergency aid. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for immediate expenses for pain medications, chiropractic care and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from 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 pays for things like hitting a deer, damage from flooding and theft. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – Collision insurance pays for damage to your Elantra GT resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, sustaining damage from a pot hole, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.