2014 Hyundai Elantra Coupe Car Insurance Rates in 2024 – 8 Tips for Cheaper Quotes

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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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Searching for the cheapest insurance coverage rates for your Hyundai Elantra Coupe? Locating the cheapest insurance for a Hyundai Elantra Coupe can be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates. There are more efficient ways to find insurance coverage online so you’re going to learn the best way to price shop coverage for your Hyundai and get the lowest price from both online companies and local agents.

It’s a good idea to compare prices on a regular basis because prices are adjusted regularly by insurance companies. If you had the best deal for Elantra Coupe coverage a year ago you will most likely find a better rate quote today. There are lots of tips to save on insurance coverage on the internet, but in a few minutes you can learn a lot of great tips on how to stop overpaying for insurance.

Compare car insurance rates

All major car insurance companies provide pricing on their websites. Getting online quotes is quite easy as you simply enter the coverage amounts you desire into the form. Once entered, the system requests your driving and credit reports and returns a price quote based on these and other factors.

Online quotes makes it a lot easier to compare rates but the time required to go to different websites and type in your information is a big time waster. But it’s also necessary to compare as many rates as possible in order to get better prices.

There is a better way!

The quickest way to lower your car insurance bill uses one form that gets prices from many companies. It saves time, eliminates repetitive work, and makes price shopping online much more enjoyable and efficient. As soon as the form is sent, it is rated and you can choose any of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To save time and compare rates now, simply enter your zip code here and begin entering your coverage information. To compare your current rates, we recommend you complete the form with the coverages just like they are on your policy. Doing this guarantees you will have a rate comparison using the exact same coverages.

Do you qualify for these eight discounts?

Insurance is neither fun to buy or cheap, but there are discounts available that can help lower your rates. A few discounts will automatically apply at quote time, but some must be asked for before you will receive the discount.

  • Theft Deterrent – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a insurance quote.
  • Payment Method – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
  • Air Bag Discount – Options like air bags or motorized seat belts may qualify for discounts of more than 20%.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Accident Forgiveness – but a handful of insurance companies permit an accident before they charge you more for coverage as long as you don’t have any claims for a set time period.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in school.
  • Life Insurance Discount – Insurance carriers who offer life insurance give a lower price if you buy auto and life insurance together.
  • Distant Student – Kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college may qualify for this discount.

Drivers should understand that many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, you aren’t that lucky. But any discount will help lower your insurance premiums.

Some of the insurance companies that may have some of the discounts shown above possibly include:

  • State Farm
  • Progressive
  • Travelers
  • American Family
  • Liberty Mutual

Check with all companies you are considering how many discounts you can get. Some discounts listed above may not apply to policyholders in every state. If you would like to see a list of insurance companies offering insurance discounts, enter your zip code here.

Don’t assume everyone needs the same insurance coverage

When it comes to choosing the best insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique.

These are some specific questions might point out if your situation would benefit from professional advice.

  • Where can I find high-risk insurance?
  • Is business property covered if stolen from my car?
  • Does medical payments coverage apply to all occupants?
  • Does car insurance cover theft of personal property?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete your zip code. It’s fast, free and may give you better protection.

Coverages available on your insurance policy

Having a good grasp of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses like hospital visits, doctor visits, funeral costs and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage will pay to fix damage to your Elantra Coupe resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, a tree branch falling on your vehicle and damage from flooding. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as repair bills for other people’s vehicles, structural damage, court costs, medical services and medical expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

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