How Much Does 2012 Hyundai Elantra Touring Car Insurance Cost in 2024?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 13, 2024

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Finding cheap auto insurance on the web might appear rather challenging for drivers new to quoting and comparing rates and buying auto insurance on the internet. With such a large choice of insurance companies available, how are drivers able to effectively compare the different rates to find the best available rates?

Buying car insurance is not that difficult. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. But drivers must learn the way insurance companies sell insurance online and apply this information to your search.

Ways to get auto insurance quotes

Many insurance companies allow you to get prices for coverage from their websites. Getting prices online doesn’t take a lot of time as you simply type in your coverage preferences into the form. Once you submit the form, their rating system gets your driving record and credit report and returns a price quote determined by many factors.

Being able to quote online makes it easy to compare insurance prices but the time it takes to visit multiple sites and type in the same data is a waste of time. But it’s also necessary to compare as many rates as possible if you are searching for the lowest price.

A better way to compare auto insurance pricing makes use of a single form that analyzes rates from several different companies. It’s a real time-saver, helps eliminate repetitive entry, and makes online price comparison a lot less work. After sending your information, it is quoted and you can choose your choice of the quotes that you receive. If you find a better price it’s easy to complete the application and purchase the new policy. This process only takes a few minutes and can result in significant savings.

To save time and compare pricing, simply enter your zip code here and input your coverage information. If you have a policy now, it’s recommended you input deductibles and limits identical to your current policy. This ensures you will get an apples-to-apples comparison based on the exact same insurance coverage.

Insurance is unique, just like you

When it comes to buying the best insurance coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • What discounts do I qualify for?
  • What is roadside assistance coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I better off with higher deductibles on my 2012 Hyundai Elantra Touring?
  • Do I have newly-acquired coverage?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Car insurance coverage information

Understanding the coverages of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, a broken windshield, damage from getting keyed and hitting a deer. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

Liability coverage provides protection from 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 injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like medical services, emergency aid, loss of income and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Hyundai Elantra Touring.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like doctor visits, nursing services, X-ray expenses and pain medications. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your 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

Collision coverage protection

This coverage pays for damage to your Elantra Touring resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

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