Cheapest 2019 Hyundai Elantra Insurance Rates in 2023
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UPDATED: Dec 2, 2021
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Searching for better car insurance rates for your Hyundai Elantra? Getting lower-cost car insurance may be problematic for drivers that are not comfortable with quoting and buying insurance on the internet. With dozens of online companies, how can drivers have time to compare every company to locate cheaper car insurance prices?
Learn how to lower your insurance rates
Consumers need to have an understanding of some of the elements that play a part in calculating your auto insurance rates. If you know what impacts premium levels, this enables you to make decisions that could help you find cheaper rates.
- Younger drivers pay more – Teenage drivers have been known to be inattentive and easily distracted behind the wheel so they pay higher auto insurance rates. Older people have been proven to be more responsible, tend to file fewer claims and get fewer tickets.
- Raising coverage deductibles lowers premiums – Coverage for physical damage, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. A few examples of covered claims would be a broken side mirror, hail damage, and rolling your vehicle. Comprehensive and collision coverage deductibles define the amount you are willing to pay before your auto insurance pays a claim. The more you pay before a claim is paid (deductible), the bigger discount you will receive on Elantra insurance.
- Cheaper to insure women? – Statistics show that females tend to be a little less risky than males. However, don’t assume that males are worse at driving than females. They both cause fender benders in similar percentages, but the men get into accidents with more damage. Not only are claims higher, but men get higher numbers of serious violations such as reckless driving.
- Is you vocation costing you more? – Did you know your job can affect your rates? Occupations such as fire fighters, social workers and stock brokers tend to pay the highest rates due to stressful work requirements and incredibly demanding work hours. On the other hand, occupations such as scientists, athletes and performers pay the least on Elantra insurance.
- What are good liability protection limits? – Liability insurance will afford coverage in the event that a jury decides you are liable for physical damage or personal injury to other. Your liability coverage provides for a legal defense to defend your case. It is affordable coverage compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
- Tickets are costly – How you drive has a huge affect on how much you pay. Even one speeding ticket can boost insurance rates by twenty percent. Drivers with clean records pay lower auto insurance prices compared to drivers with tickets. Drivers who have license-revoking citations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to legally drive.
The best way to get rate comparisons utilizes the fact almost all companies participate in online systems to compare their rates. The only thing you need to do is give them some information such as the year, make and model of vehicles, whether you drive to work or school, types of safety features, and the ages of drivers. The rating information is then sent to many different companies and you will receive price estimates within a short period of time.
To start a quote now, click here and see if a lower rate is available.
Auto insurance discounts help reduce rates
Not many people think insurance is cheap, but you might find some hidden discounts that you may not know about. Certain credits will be shown when you quote, but a few must be asked for in order for you to get them.
- Theft Deterent Discount – Vehicles optioned with advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Include Life Insurance and Save – If the company offers life insurance, you could get a lower premium rate if you buy life insurance.
- Professional Memberships – Joining a civic or occupational organization can get you a small discount on your next auto insurance statement.
- Military Deployment Discount – Having a family member in the military may qualify for rate reductions.
- Onboard Data Collection – Policyholders that allow their auto insurance company to scrutinize their driving habits remotely like Drivewise from Allstate or In-Drive from State Farm might see lower rates if their driving habits are good.
- Paperwork-free – Some auto insurance companies will give a small break for completing your application digitally online.
- Use Seat Belts – Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks off PIP or medical payments premium.
- Drive Less and Save – Driving fewer miles may allow you to get cheaper rates.
- Smart Student Discounts – Getting good grades may save you up to 25%. You can use this discount normally well after school through age 25.
- No Claims – Drivers who don’t have accidents have much lower rates when compared with bad drivers.
Just know that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, nobody gets a free ride.
Large auto insurance companies and their offered discounts are included below.
- State Farm discounts include safe vehicle, multiple policy, driver’s education, Steer Clear safe driver discount, multiple autos, and passive restraint.
- GEICO includes discounts for membership and employees, daytime running lights, seat belt use, defensive driver, federal employee, good student, and five-year accident-free.
- Liberty Mutual may have discounts that include new vehicle discount, new graduate, multi-car, new move discount, multi-policy, exclusive group savings, and teen driver discount.
- The Hartford may offer discounts for anti-theft, vehicle fuel type, defensive driver, bundle, good student, air bag, and driver training.
- MetLife may include discounts for accident-free, good student, good driver, multi-policy, and claim-free.
- Progressive offers discounts including multi-vehicle, online quote discount, multi-policy, good student, homeowner, online signing, and continuous coverage.
It’s a good idea to ask each insurance company what discounts are available to you. Some discounts listed above may not be available in your area. To view providers with discount auto insurance rates, enter your zip code here.
Which is the best insurance coverage?
When buying adequate coverage, there is no single plan that fits everyone. Everyone’s needs are different.
Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Why do I need rental car insurance?
- Am I covered if I hit a deer?
- How do I file an SR-22 for a DUI in my state?
- Should I carry comprehensive and collision coverage?
- What is no-fault insurance?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out your zip code.
Insurance policy specifics
Understanding the coverages of insurance helps when choosing the right coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.
Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as backing into a parked car, crashing into a building, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.
Liability car insurance – This coverage will cover damage or injury you incur to a person or their property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.
Liability coverage protects against things like structural damage, repair costs for stationary objects, funeral expenses, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
UM/UIM Coverage – This coverage provides protection when other motorists 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 liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive or Other Than Collision – This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like damage from flooding, a tree branch falling on your vehicle, hail damage, hitting a bird and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical costs insurance – Coverage for medical payments and/or PIP kick in for bills for EMT expenses, hospital visits and pain medications. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage
Cheaper insurance is a realistic goal
Consumers change insurance companies for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, policy non-renewal and poor customer service. Regardless of your reason, finding the right car insurance provider is easier than you think.
You just learned many ideas to save on 2019 Hyundai Elantra insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your auto insurance rates. Consumers may even find the lowest rates are with some of the lesser-known companies.
Cheaper car insurance is available both online and with local insurance agents, so you need to shop auto insurance with both to have the best rate selection. A few companies may not have rate quotes online and usually these smaller companies provide coverage only through independent insurance agents.
Additional detailed information can be found by following these links:
- Credit and Insurance Scores (Insurance Information Insitute)
- Distracted Driving Extends Beyond Texting (State Farm)
- Comprehensive Coverage (Liberty Mutual)
- Understanding Rental Car Insurance (Insurance Information Insitute)
- Cellphones, Texting and Driving (iihs.org)
- Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
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