2017 Hyundai Elantra Insurance Quotes – 5 Savings Tips

Drivers who are new to comparing car insurance prices on the web will discover purchasing cheaper insurance coverage is more work than they anticipated.

It’s a great practice to take a look at other company’s rates as often as possible because insurance prices tend to go up over time. Even if you think you had the best rates for Elantra insurance a year ago you may be paying too much now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to use the internet to lower your rates without sacrificing coverage.

Verify you’re applying every discount

Some companies do not list all their discounts very well, so the following list contains a few of the more well known and also the lesser-known credits available to bring down your rates.

  • Pay Now and Pay Less – By making one initial payment rather than paying in monthly installments you can actually save on your bill.
  • Accident-Free Discounts – Drivers who stay claim-free have much lower rates as compared to drivers with a long claim history.
  • Discount for Life Insurance – Companies who offer life insurance give a lower premium rate if you buy a life insurance policy as well.
  • Safety Course Discount – Participating in a defensive driving course could save 5% or more if you qualify.
  • Low Mileage Discounts – Low annual miles could be rewarded with lower auto insurancerates on the low mileage vehicles.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic.

Larger auto insurance companies and a partial list of their discounts are outlined below.

  • Esurance offers discounts for multi-car, good student, safety device, anti-lock brakes, Pac-12 alumni, and defensive driver.
  • The Hartford discounts include driver training, bundle, good student, air bag, and anti-theft.
  • AAA has savings for anti-theft, education and occupation, good driver, multi-car, good student, multi-policy, and pay-in-full.
  • GEICO may include discounts for anti-lock brakes, emergency military deployment, defensive driver, good student, and military active duty.
  • State Farm offers premium reductions for safe vehicle, Steer Clear safe driver discount, driver’s education, good student, and good driver.

When comparing rates, check with each company how you can save money. Some of the discounts discussed earlier may not apply to policies in your area. For a list of providers offering auto insurance discounts, follow this link.

When should I discuss my situation with an agent?

When buying coverage, there is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • What are the best liability limits?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Which is better, split liability limits or combined limits?
  • Is my 2017 Hyundai Elantra covered for flood damage?
  • What is UM/UIM insurance?
  • Can I make deliveries for my home business?
  • Why does it cost so much to insure a teen driver?
  • Are my tools covered if they get stolen from my vehicle?
  • What can I do if my company denied a claim?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverage basics

Knowing the specifics of your insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as pain medications, hospital visits, EMT expenses and surgery. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision protection

This will pay to fix damage to your Elantra resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, hitting a deer, hail damage, vandalism and a broken windshield. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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 limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Money doesn’t grow on trees

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The goal is to buy enough coverage at the best cost, not the least amount of coverage.

Insureds change insurance companies for many reasons like questionable increases in premium, being labeled a high risk driver, poor customer service and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company can be pretty painless.

The cheapest 2017 Hyundai Elantra insurance is definitely available both online in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not offer online rate quotes and many times these small, regional companies only sell coverage through independent agencies.

More detailed car insurance information is located by following these links: