View 2019 Hyundai Elantra GT Car Insurance Rates 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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Searching for lower auto insurance rates for your Hyundai Elantra GT? Locating low-cost insurance for a Hyundai Elantra GT could be difficult, but you can learn the following methods to save time. There are more efficient ways to buy auto insurance so you’re going to learn the best way to compare rates on a Hyundai and obtain the lowest possible price from both online companies and local agents.

Do you qualify for discount insurance?

Companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so we break down some of the more common and the more hidden discounts that you may qualify for. If you don’t get every credit possible, you could be getting lower rates.

  • Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will qualify for a discount on a insurance quote.
  • Discount for Multiple Policies – If you can combine your auto and home policy with one company you may save up to 20% off your total premium.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a lower price if you buy life insurance from them.
  • 55 and Retired – Seniors may qualify for a discount up to 10% on Elantra GT coverage.
  • Accident Forgiveness – This one is not really a discount per se, but certain companies may permit one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if it’s offered in school.
  • Passive Restraint Discount – Factory air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.

You should keep in mind that most discounts do not apply to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic.

Car insurance companies that have most of the discounts above are:

  • Progressive
  • State Farm
  • Esurance
  • The Hartford

Check with every company what discounts are available to you. All car insurance discounts may not apply to policyholders everywhere. If you would like to see a list of insurance companies that provide some of the discounts listed above, enter your zip code here.

Why you might pay lower rates

Consumers need to have an understanding of a few of the rating criteria that aid in calculating your policy premiums. When you understand what impacts premium levels, this allows you to make educated decisions that can earn you much lower annual insurance costs.

The items below are a few of the things utilized by car insurance companies to help set prices.

  • Buy a safe car and pay less – Safer cars tend to have lower insurance rates. Safer cars reduce the chance of injuries and lower rates of occupant injuries translates into savings for insurance companies which can result in lower premiums. If your Hyundai Elantra GT earned at least four stars on or an “acceptable” rating on you may pay a lower rate.
  • Save annual miles and save money – The more you drive your Hyundai every year the more it will cost to insure it. Almost all companies calculate prices partially by how you use the vehicle. Autos used primarily for pleasure use receive lower rates compared to those used for work or business. An incorrectly rated Elantra GT can result in significantly higher rates. It’s always a good idea to double check that your auto insurance declarations sheet states the correct usage for each vehicle, because improper ratings can cost you money.
  • Good credit equals lower prices – Having a bad credit score will be a significant factor in determining your rates. So if your credit is lower than you’d like, you may save money insuring your 2019 Hyundai Elantra GT by improving your credit score. Drivers with very high credit ratings tend to be more responsible than drivers with poor credit scores.
  • Deter vehicle theft – Owning a car with a theft deterrent system can earn a premium discount. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent car theft.
  • Big cities have higher premiums – Living in less populated areas has it’s advantages when it comes to auto insurance. Urban drivers tend to have traffic congestion and longer commutes to work. Fewer drivers on the road means reduced accidents as well as less vandalism and auto theft.

What insurance coverages do I need?

When choosing the best insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining whether or not you would benefit from professional advice.

  • How do I insure my teen driver?
  • Am I covered when driving a rental car?
  • Am I better off with higher deductibles on my 2019 Hyundai Elantra GT?
  • Am I covered by my spouse’s policy after a separation?
  • How much can I save by bundling my policies?
  • Do I need replacement cost coverage on my 2019 Hyundai Elantra GT?
  • Should I put collision coverage on all my vehicles?
  • If my pet gets injured in an accident are they covered?
  • Which is better, split liability limits or combined limits?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out your zip code. It only takes a few minutes and can provide invaluable advice.

Auto insurance companies are expert advertisers

Consumers can’t ignore all the ads that claim the lowest car insurance rates by companies like Progressive, Allstate and GEICO. They all tend to make the same promise that you’ll save big if you just switch your auto insurance policy to them.

That’s great but how can every company charge lower premium rates? Just pay attention to how they say it.

Auto insurance companies give the best rates for the right customer that earns them a profit. One example of this type of risk profile may be over the age of 45, has other policies, and drives a car with an anti-theft system. Any person that hits that “sweet spot” will get low rates and is almost guaranteed to save when they switch companies.

Potential insureds who do not fit these criteria may receive higher rates and this can result in business going elsewhere. The ad wording is “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That is how companies can truthfully make those claims. That is why you really need to compare price quotes frequently. You cannot predict with any certainty which company will fit your personal profile best.

Coverages available on your policy

Having a good grasp of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverages

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, hail damage, a broken windshield and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

This coverage pays for damage to your Elantra GT resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverage

This coverage provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as medical services, repair costs for stationary objects, bail bonds, structural damage and funeral expenses. 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 and underinsured coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Hyundai Elantra GT.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as dental work, funeral costs and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

More quotes mean more savings

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. In many instances, an insured cut liability coverage limits and learned later that they should have had better coverage. Your aim should be to get the best coverage possible at the best price.

Consumers change insurance companies for a number of reasons such as high rates after DUI convictions, unfair underwriting practices, poor customer service or extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new company is not as difficult as it may seem.

We’ve covered many ideas to lower your 2019 Hyundai Elantra GT insurance premium rates. The key concept to understand is the more companies you get prices for, the higher your chance of finding affordable insurance. You may be surprised to find that the most savings is with some of the lesser-known companies.

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