2014 Hyundai Elantra Insurance Quotes

Looking for the cheapest car insurance rates? Shoppers have options when shopping for the best price on Hyundai Elantra insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to compare rates. There are both good and bad ways to compare car insurance rates and we’ll show you the best way to price shop coverage on a Hyundai and get the best price possible either online or from local insurance agents.

Don’t overlook these car insurance discounts

Auto insurance companies do not advertise every discount they offer in an easy-to-find place, so the list below contains both well-publicized and also the lesser-known savings tricks you should be using when you buy insurance coverage online.

  • Save with a New Car – Insuring a vehicle that is new can save up to 30% because newer vehicles have to meet stringent safety requirements.
  • Good Students Pay Less – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts up to age 25.
  • Federal Government Employee – Federal government employees may qualify for a discount when you quote insurance coverage for Elantra insurance with a few car insurance companies.
  • Own a Home and Save – Owning a house may trigger a policy discount on car insurance because it requires a higher level of personal finance.
  • Anti-lock Brake System – Cars with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
  • Theft Prevention Discount – Cars and trucks with anti-theft systems prevent vehicle theft and will qualify for a discount on a insurance coverage quote.

As a footnote on discounts, some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, that’s just not realistic. Any qualifying discounts will definitely lower your overall bill.

The best car insurance companies and a partial list of their discounts are outlined below.

  • GEICO offers premium reductions for air bags, multi-policy, emergency military deployment, daytime running lights, membership and employees, and good student.
  • USAA policyholders can earn discounts including new vehicle, multi-policy, driver training, safe driver, family discount, and military installation.
  • Progressive has discounts for good student, continuous coverage, online quote discount, online signing, multi-policy, and homeowner.
  • American Family offers discounts for accident-free, good driver, early bird, TimeAway discount, air bags, good student, and bundled insurance.
  • Esurance may offer discounts for Pac-12 alumni, online quote, online shopper, claim free, and multi-car.
  • Farmers Insurance may have discounts that include youthful driver, switch companies, bundle discounts, early shopping, electronic funds transfer, good student, and business and professional.
  • State Farm has savings for multiple policy, multiple autos, Steer Clear safe driver discount, Drive Safe & Save, defensive driving training, good student, and safe vehicle.

Before you buy a policy, ask every insurance company the best way to save money. Savings may not apply in your area. To locate insurance companies that offer many of these discounts, follow this link.

Buy auto insurance online

There are a lot of ways to compare auto insurance quotes, and some are less labor-intensive and much quicker. You can waste hours discussing policy coverages with local insurance agents in your area, or you can utilize the web to accomplish the same thing much quicker.

Most of the best insurance companies belong to an insurance system where insurance shoppers complete one form, and every company can give them a price based on that data. This saves time by eliminating quote forms to each company.

To use this form to compare rates click here to start a free quote.

The only downside to using this type of form is you cannot specify which providers you want to price. So if you want to select from a list of companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but compare exactly the same quote data on every quote you get. If you use different values for each quote you will not be able to make a fair rate comparison.

Why your insurance premiums might be higher

Smart consumers have a good feel for a few of the rating criteria that are used to determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that could help you find cheaper rates.

  • Consolidate policies to earn discounts – Most larger car insurance companies give better rates to buyers that have more than one policy, otherwise known as a multi-policy discount. The discount can add up to 10 percent or more. Even with this discount, you may still want to check prices from other companies to confirm you are receiving the best rates possible.
  • Occupation reflects on car insurance rates – Careers like doctorspolice officers and accountants usually pay higher rates than the rest of us in part from high stress and extremely grueling work hours. On the other hand, occupations like farmers, athletes and the unemployed have lower than average premiums for Elantra insurance.
  • Liability coverage – Liability coverage is the protection when a court rules you are at fault for physical damage or personal injury to other. It will provide you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to other policy coverages, so drivers should carry high limits.
  • Better car insurance rates on cars with good safety ratings – Cars with five star safety ratings tend to have better insurance rates. Vehicles built for safety reduce the chance of injuries and better occupant protection means less money paid by your insurance company and lower rates for you. If your Hyundai Elantra is rated at a minimum four stars on Safercar.gov you may qualify for a discount.
  • Adjust comp and collision deductibles and save – The deductibles you choose tell how much you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, damage caused by hail, and damage from wind. The more expense you choose to pay out-of-pocket, the less money you will pay for car insurance for Elantra insurance.
  • Teenagers are high risk – Teen drivers are proven to be easily distracted with other occupants in the car so they pay higher car insurance rates. Adding a young driver onto a policy will cause a huge premium hike. Older drivers are more cautious drivers, statistically cause fewer accidents and tend to be get fewer driving tickets.

When to get professional advice

When buying the best insurance coverage coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions may help you determine whether or not you may require specific advice.

  • Can I afford low physical damage deductibles?
  • Am I insured when driving a different vehicle?
  • How does medical payments coverage work?
  • Why do I only qualify for high-risk insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my 2014 Hyundai Elantra qualify for pleasure use?
  • Where can I find high-risk insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Why is insurance for a teen driver so high?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Insurance coverage breakdown

Having a good grasp of your insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability car insurance

Liability coverage can cover injuries or damage you cause to a person or their property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like funeral expenses, structural damage and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like hospital visits, nursing services and EMT expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays for damage to your Elantra from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like damaging your car on a curb, colliding with a tree, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Hyundai Elantra.

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.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, damage from a tornado or hurricane, hitting a deer, vandalism and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Better coverage you can count on

Consumers leave their current company for many reasons like delays in paying claims, an unsatisfactory settlement offer, poor customer service or even policy non-renewal. Regardless of your reason, choosing a new company can be easy and end up saving you some money.

Some companies may not have online quoting regional carriers only sell coverage through independent agencies. Affordable 2014 Hyundai Elantra insurance is possible on the web in addition to local insurance agencies, so you need to compare both to get a complete price analysis.

You just learned some good ideas how you can shop for 2014 Hyundai Elantra insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheaper insurance coverage. You may even find the lowest auto insurance rates come from some of the lesser-known companies.

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