How Much Does 2013 Hyundai Elantra GT 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: Apr 26, 2024

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Want cheaper car insurance rates for your Hyundai Elantra GT? If you are new to getting insurance coverage quotes online, most likely you are baffled thanks to the incredible selection local agents and online companies competing for your business.

It is always a good idea to compare premium rates at least once a year because prices change regularly. Just because you had the lowest price for Elantra GT coverage a couple years back there may be better deals available now. There are lots of tips to save on car insurance on the web, but I’m going to show you some excellent ideas to buy car insurance cheaper.

What impacts Hyundai Elantra GT insurance prices?

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. If you have a feel for what determines premiums, this helps enable you to make changes that could result in much lower annual insurance costs. Lots of things are part of the calculation when quoting car insurance. Most are fairly basic such as your driving history, although some other factors are not quite as obvious such as whether you are married or your vehicle rating.

  • Can a thief steal your car? – Owning a car with an alarm system can earn a premium discount. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping auto theft.
  • Don’t skimp on liability insurance – Liability insurance provides coverage in the event that you are determined to be liable for causing damage or personal injury in an accident. It provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Tickets mean higher costs – Just one citation may cause rates to rise twenty percent or more. Attentive drivers have lower premiums compared to bad drivers. Drivers who have received serious tickets like reckless driving, hit and run or driving under the influence may find they need to maintain a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.
  • Put fewer miles on your vehicle – Driving more miles annually the more you’ll pay to insure your vehicle. A lot of companies charge to insure your cars partially by how you use the vehicle. Vehicles that have low annual miles cost less to insure than vehicles that have high annual mileage. Ask your agent if your auto insurance policy correctly shows how each vehicle is driven, because improper ratings can cost you money. Improper usage on your Elantra GT is just wasting money.
  • No policy gaps is important – Going without insurance is a fast way to bump up your auto insurance costs. In addition to paying higher rates, the inability to provide proof of insurance can result in a license revocation or jail time. You will then be forced to file a SR-22 with your state DMV.
  • Low stress occupation equals lower prices – Did you know your career choice can influence rates? Jobs like fire fighters, air traffic controllers and accountants tend to pay higher premiums than the average policyholder attributed to intense work-related stress and lengthy work days. On the flip side, careers like professors, engineers and homemakers receive lower rates for Elantra GT coverage.

Auto insurance discounts help reduce rates

Some providers don’t necessarily list all available discounts very well, so the following is a list of both the well known and also the more inconspicuous discounts that you may qualify for. If you check and find you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Fewer Miles Equal More Savings – Maintaining low annual mileage could be rewarded with better premium rates on cars that stay parked.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you may have a lower total premium amount.
  • Multi-car Discount – Insuring all your vehicles with one company qualifies for this discount.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents so you can save 10 percent or more.
  • Defensive Driver Discounts – Taking a defensive driver course could save 5% or more if you qualify.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
  • Smart Student Discounts – Performing well in school may save as much as 25% on a insurance coverage quote. The good student discount can last until age 25.
  • New Car Discount – Buying a new car model can cost up to 25% less since new vehicles have better safety ratings.
  • Homeowners Pay Less – Owning a house may trigger a policy discount on auto insurance since owning and maintaining a home demonstrates responsibility.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like adding up those discounts means a free policy, you aren’t that lucky.

The best auto insurance companies and some of the discounts are:

  • State Farm may offer discounts for passive restraint, Steer Clear safe driver discount, accident-free, multiple policy, and Drive Safe & Save.
  • GEICO offers discounts for good student, seat belt use, multi-policy, federal employee, military active duty, daytime running lights, and emergency military deployment.
  • Allstate discounts include eSmart discount, defensive driver, resident student, anti-theft, and multi-policy.
  • SAFECO offers premium reductions for bundle discounts, drive less, accident prevention training, homeowner, teen safety rewards, and multi-car.
  • Farm Bureau has discounts for renewal discount, safe driver, multi-vehicle, youthful driver, and multi-policy.
  • Progressive may include discounts for good student, online quote discount, online signing, continuous coverage, homeowner, multi-policy, and multi-vehicle.
  • AAA includes discounts for pay-in-full, AAA membership discount, good student, multi-policy, and anti-theft.

When getting a coverage quote, ask every company how you can save money. Some credits may not apply in your area. To view companies with significant discounts, enter your zip code here.

Do drivers who switch really save?

Big name companies like GEICO, State Farm and Progressive seem to constantly run ads on television and other media. They all make an identical promise about how much you will save if you get a free insurance coverage quote and switch to their company. How does every company charge you less for car insurance? It’s all in the words they use.

Most companies have underwriting criteria for a prospective insured that will not have excessive claims. A good example of a preferred risk may be over the age of 40, has no prior claims, and drives newer vehicles. Someone who matches that profile will get very good rates and most likely will save if they switch.

Potential insureds who don’t measure up to this ideal profile will get a higher premium which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “people that switch” not “everybody who quotes” can get the lowest rates when switching. That is how insurance companies can confidently make claims like that. This really illustrates why it is so important to get price quotes at each policy renewal. Because you cannot predict which company will be your best fit.

Which is the best car insurance?

When choosing the right insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

For instance, these questions can help discover whether you might need professional guidance.

  • Do I have coverage for damage caused while driving under the influence?
  • When would I need rental car insurance?
  • Does my 2013 Hyundai Elantra GT need full coverage?
  • How can I get my company to pay me more for my totalled car?
  • Is my teen driver covered when they drive my company car?
  • What can I do if my company denied a claim?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Why is insurance for a teen driver so high?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Auto insurance coverage breakdown

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. 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 hail damage, theft and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This coverage pays for damage to your Elantra GT resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as backing into a parked car, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Hyundai Elantra GT.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like surgery, dental work, chiropractic care, pain medications and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things such as structural damage, attorney fees, court costs and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Save your cold hard cash

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where someone dropped comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

We just showed you many ideas to shop for 2013 Hyundai Elantra GT insurance online. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding the cheapest insurance coverage. Drivers may discover the best price on car insurance is with a small mutual company.

Drivers leave their current company for any number of reasons including being labeled a high risk driver, lack of trust in their agent, poor customer service and even high rates after DUI convictions. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

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