Cheaper 2021 Hyundai Elantra Car Insurance Quotes 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 the cheapest insurance for a Hyundai Elantra can normally be a lot of work, but you can use these tips to find lower rates.

There is a better way to buy auto insurance and we’ll show you the absolute fastest way to price shop coverage for a Hyundai and get the lowest possible price from local insurance agents and online providers.

Free insurance coverage quotes

Effectively comparing insurance coverage prices can be exhausting if you don’t utilize the most efficient way. You could spend your day talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to get the quickest rates.

All the larger companies are enrolled in a marketplace where prospective buyers complete one form, and each company returns a competitive quote determined by their information. This saves time by eliminating quote requests for every insurance coverage company.

To find out how much you can save on insurance coverage enter your zip code here.

The only downside to getting quotes like this is you cannot specify the companies you will receive quotes from. If you would rather choose specific insurance companies to compare rates, we have a listing of the cheapest insurance coverage companies in your area. Click to enter zip code.

However you get your quotes, double check that you are using apples-to-apples coverage data for every quote you compare. If the quotes have different values for each quote it will be nearly impossible to determine the best price for your Hyundai Elantra.

You may qualify for discounts

Car insurance can cost a lot, but you can get discounts that could help you make your next renewal payment. Certain credits will be shown when you complete an application, but lesser-known reductions have to be manually applied before they will apply.

  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
  • Policy Bundle Discount – If you can combine your home and auto policy with the same company you will save 10% to 20% off each policy.
  • Braking Control Discount – Cars and trucks that have anti-lock braking systems prevent accidents so you can save 10 percent or more.
  • Claim Free – Insureds who avoid accidents and claims pay much less when compared to accident-prone drivers.
  • No Charge for an Accident – Not really a discount, but companies like Allstate and Progressive will let one accident slide without raising rates if you are claim-free for a certain period of time.
  • Lower Rates for Military – Being on active deployment in the military could trigger a small discount.

One last thing about discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though you would think all those discounts means the company will pay you, you won’t be that lucky.

Popular insurance companies and the discounts they provide are:

  • State Farm may include discounts for anti-theft, multiple autos, accident-free, Drive Safe & Save, and good driver.
  • GEICO may offer discounts for anti-theft, membership and employees, defensive driver, air bags, five-year accident-free, and daytime running lights.
  • Liberty Mutual offers discounts for teen driver discount, multi-policy, good student, safety features, and multi-car.
  • The Hartford includes discounts for anti-theft, good student, driver training, vehicle fuel type, air bag, and bundle.
  • MetLife has savings for good driver, accident-free, claim-free, multi-policy, and good student.
  • Progressive may have discounts that include multi-vehicle, online signing, multi-policy, continuous coverage, homeowner, good student, and online quote discount.

When quoting, ask every company what discounts are available to you. Savings might not apply in your area. To choose companies that offer the discounts shown above, enter your zip code here.

Save money with these tips

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that play a part in calculating the price you pay for insurance coverage. If you understand what influences your rates, this enables you to make decisions that may result in much lower annual insurance costs. Many things are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, although others are less obvious such as your credit history or how safe your car is.

  • Cheaper to insure women? – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, don’t assume that males are worse at driving than females. Both genders are in accidents in similar percentages, but males cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more major tickets like DUI and reckless driving. Teenage male drivers are the most expensive to insure and therefore pay the highest rates.
  • Physical damage deductibles – Physical damage coverage, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Some examples of claims that would be covered are running into the backend of another car, hail damage, and damage caused by flying debris. Comprehensive and collision coverage deductibles define the amount you are required to spend in the event of a claim. The higher the amount you’re willing to pay, the less money you will pay for insurance coverage for Elantra insurance.
  • Premiums are lower the older you get – Beginning drivers are known to be inattentive when behind the wheel so they pay higher insurance coverage rates. More mature drivers are shown to be more cautious, cause fewer claims and accidents .
  • Can a thief steal your car? – Selecting a car model that has a built-in theft deterrent system can save you a little every year. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft.
  • Lower premiums for vehicles with better crash test results – Vehicles with high crash test scores get lower rates. Vehicles built for safety protect occupants better and reduced instances of injuries translates directly to fewer claims which can result in lower premiums. If your Hyundai Elantra earned at least four stars on Safercar.gov you may pay a lower rate.
  • Prices impacted by your city – Residing in less populated areas can be a good thing when it comes to insurance coverage. Drivers who live in large cities have more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident in addition to lower liability claims

There’s no such thing as the perfect car insurance policy

When it comes to buying coverage, there really is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • Can I get a multi-policy discount?
  • What should my uninsured motorist coverage limits be in my state?
  • How can I get my company to pay me more for my totalled car?
  • Is a blown tire covered by insurance?
  • If I drive on a suspended license am I covered?
  • When would I need additional glass coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Detailed coverages of your car insurance policy

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2021 Hyundai Elantra.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, chiropractic care and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverages – This coverage will cover damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like structural damage, loss of income, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision insurance will pay to fix damage to your Elantra 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 claims like rolling your car, scraping a guard rail, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive car insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, falling objects, hitting a bird and vandalism. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Compare but don’t skimp

Insureds change insurance companies for many reasons like not issuing a premium refund, extreme rates for teen drivers, being labeled a high risk driver and questionable increases in premium. Regardless of your reason for switching companies, finding a new insurance company is pretty easy and you might even save some money in the process.

We just covered quite a bit of information on how to lower your 2021 Hyundai Elantra insurance car insurance rates. It’s most important to understand that the more times you quote, the better your comparison will be. Drivers may discover the lowest car insurance rates come from some of the lesser-known companies.

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

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