Cheaper 1997 Hyundai Elantra Insurance Quotes

Trying to come up with a payment for high-priced auto insurance can sap your monthly budget and force you to tighten up your finances. Doing a price comparison is a fast and free way to cut your insurance bill.

Many insurers compete to insure your vehicles, and because of this it can be hard to compare insurance companies and get the definite lowest cost out there.

You should take the time to do rate comparisons yearly since insurance prices are adjusted regularly by insurance companies. If you had the best price on Elantra insurance a year ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the only way to save money, get proper coverage and the best rates.

Finding car insurance

When looking for cheaper car insurance quotes, there are a couple ways to get quotes from many car insurance companies in your state. The best method to lower the rate you pay for 1997 Hyundai Elantra insurance is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

  1. If you don’t have a lot of time, the easiest way to find low rates is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing multiple quote forms to each individual car insurance company. One quote request will get you rate comparisons from multiple companies.
  2. A different way to analyze rates is to manually visit each company’s website and fill out a new quote form. For sake of this example, we’ll pretend you want to compare prices for USAA, Geico and Farmers. In order to compare rates, you need to spend time going to each site individually and enter your information, which can take a lot of time. For a list of links to insurance companies in your area, click here.

Whichever way you choose to compare rates, do your best to use nearly identical coverages and limits with every price quote. If you enter different values for each quote it’s impossible to decipher which rate is best. Having just a slight variation in insurance coverages could skew the results. And when comparing car insurance rates, know that having more price comparisons helps you find a lower rate than you’re paying now. Not every company does online price quotes, so you should also compare price quotes from those companies as well.

Earn discounts to get lower-cost insurance quotes

Car insurance companies don’t always publicize all available discounts very well, so the list below contains a few of the more well known as well as the least known ways to save on insurance.

  • Homeowners Discount – Owning your own home or condo can help you save on insurance since home ownership means you have a higher level of financial diligence.
  • Sign Online – Certain companies will provide an incentive just for signing your application online.
  • No Accidents – Insureds with no claims or accidents have much lower rates as compared to frequent claim filers.
  • Mature Driver Discount – Drivers over the age of 55 may receive a small discount on rates on Elantra insurance.
  • Theft Deterent System – Cars and trucks optioned with advanced anti-theft systems help deter theft and will save you 10% or more.
  • Defensive Driver Discount – Successfully completing a class that teaches defensive driving techniques is a good idea and can lower rates depending on where you live.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Switch and Save Discount – A few insurance companies offer discounts for switching policies before your current policy expires. The savings is around 10%.

Discounts reduce rates, but you should keep in mind that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic.

A list of companies and a partial list of their discounts can be read below.

  • Geico offers premium reductions for defensive driver, anti-lock brakes, anti-theft, five-year accident-free, and multi-vehicle.
  • Auto-Owners Insurance discounts include air bags, teen driver, student away at school, mature driver, multiple vehicles, and paperless.
  • American Family has savings for multi-vehicle, accident-free, Steer into Savings, bundled insurance, and air bags.
  • Esurance may offer discounts for DriveSense, defensive driver, homeowner, online shopper, good driver, and Switch & Save.
  • Progressive offers discounts for homeowner, online quote discount, good student, online signing, and continuous coverage.
  • State Farm offers discounts including driver’s education, good driver, passive restraint, anti-theft, defensive driving training, student away at school, and Steer Clear safe driver discount.
  • AAA policyholders can earn discounts including pay-in-full, anti-theft, AAA membership discount, good driver, good student, education and occupation, and multi-car.

When getting a coverage quote, ask every insurance company which discounts they offer. Some discounts listed above might not be offered on policies in your area. To locate companies that offer many of these discounts, click here.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different so your insurance needs to address that. These are some specific questions can help discover if you might need an agent’s assistance.

  • Do I have any recourse if my insurance company denies a claim?
  • Do I have coverage when using my vehicle for my home business?
  • What is no-fault insurance?
  • Exactly who is provided coverage by my policy?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Why smart consumers pay less for Hyundai Elantra insurance

A large part of saving on insurance coverage is knowing the different types of things that help determine the price you pay for insurance coverage. If you have some idea of what determines base rates, this helps enable you to make changes that could result in big savings.

The itemized list below are some of the major factors used by your company to calculate your rate level.

  • Your age impacts your rates – More mature drivers are more responsible, are lower risk to insure .Beginning drivers have a tendency to be easily distracted with other occupants in the car therefore insurance coverage rates are much higher.
  • Never allow your coverage to lapse – Letting your insurance expire can be a guaranteed way to trigger a rate increase. And not only will insurance be more expensive, the inability to provide proof of insurance may result in a revoked license or a big fine. You will then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for insurance coverage? Occupations such as judges, architects and financial analysts generally have higher rates than the rest of us due to stressful work requirements and extremely grueling work hours. On the flip side, jobs like actors, historians and homemakers have the lowest average rates on Elantra insurance.
  • Your credit score is important – Having a bad credit rating factor in determining premium rates. Drivers who have excellent credit scores tend to be better drivers and file fewer claims than those with worse credit. So if your credit is low, you could potentially save money when insuring your 1997 Hyundai Elantra by taking the time to improve your credit score.
  • Prices and your address – Residing in a rural area may provide you with better prices when insuring your vehicles. Fewer drivers means less chance of accidents in addition to lower liability claims Drivers who live in large cities regularly have much more traffic and more time behind the wheel. Higher commute times means higher likelihood of an accident.
  • Females tend to cost less – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Both genders are responsible for fender benders in similar numbers, but the men cause more damage and cost insurance companies more money. Men also receive more costly citations such as reckless driving. Youthful male drivers cause the most accidents so they pay the highest premiums.
  • Careless drivers pay higher rates – Being a careful driver has a big impact on rates. Attentive drivers pay lower auto insurance prices than their less careful counterparts. Having a single speeding ticket could increase your next policy renewal twenty percent or more. Drivers with license-revoking citations such as DWI, reckless driving or hit and run convictions may need to prove financial responsibility with the DMV in their state in order to legally drive.

Detailed coverages of your car insurance policy

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by car insurance companies.

Collision coverage – Collision insurance covers damage to your Elantra caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sustaining damage from a pot hole, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, rock chips in glass and hail damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as pain and suffering, repair bills for other people’s vehicles, attorney fees, medical services and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for short-term medical expenses for rehabilitation expenses, chiropractic care, prosthetic devices and hospital visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Hyundai Elantra.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

In any little way, save everyday

Low-cost 1997 Hyundai Elantra insurance can be purchased from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies don’t offer online price quotes and most of the time these regional insurance providers only sell coverage through independent insurance agencies.

We’ve covered quite a bit of information on how to compare 1997 Hyundai Elantra insurance premium rates online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even discover the most savings is with a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

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Comments About 1997 Hyundai Elantra Insurance

  1. Marie Rutledge

    I live just outside Provo, UT. Got prices from Mercury, Encompass, State Farm, and Auto-Owners for my 1997 Hyundai Elantra and saved just over $80 a year. They have a lot of discounts available. My Elantra doesn’t have full coverage.

  2. Deeann English

    Cheap is not always the best policy. I’m in the suburbs of Allentown, PA. Quoted with MetLife, Esurance, State Farm, and American Family for my Elantra and saved $91 a year. I have several vehicles insured with them.

  3. Lan Washington

    I’m from Miami, FL. Went online for free insurance quotes for a 1997 Hyundai Elantra. Ended up at about $70 savings annually. Went with GEICO. Did it all online.

  4. Toshiko Brooks

    If you don’t have tickets and live near Rochester, Minnesota, check out GEICO. I saved quite a bit. I just quoted rates online.

  5. Sunshine Davis

    What is Underinsured Motorist coverage?

  6. Marnie Dixon

    I live just to the west of New York City, NY. Compared quite a few companies. Saved roughly $10 a month. Progressive was the cheapest for me.

  7. Celsa Lara

    From northwest of Reno, NV. Received quotes with GEICO, Hartford, and Farmers for my Hyundai and saved just over $80 a year. Insured with Eastwood before. Got better coverage too. Still almost need a second mortgage. I don’t put full coverage on it.

  8. Melissa Buckner

    If you have a good history and live around Davenport, Iowa, check out Allstate. They seem to be cheaper. They have a lot of discounts available. Can still barely afford it.

  9. Kecia Estrada

    I’m from Rutland, VT. I don’t recall every quote but I ended up saving about $20 each month. Was with State Farm.

  10. Taren Wheeler

    I live in a small town just outside of Tacoma, Washington. Got car insurance prices from Allstate, The General, and Eastwood for my Elantra and I think I am saving around $20 each month. I got a quote from their website.

  11. Toney Shields

    I think I’m paying too much. Lifelong resident of Columbus, GA. Got rates from Nationwide, Encompass, GEICO, and Auto-Owners for my Elantra and saved around $80 a year. Left Farmers to switch. My new agent seems to be really good. :)

  12. Minerva Gregory

    Will 21st Century do a SR22 in Pennsylvania?

  13. Classie Alston

    I think I’m paying too much. Live in the eastern part of New Haven, CT. Not sure of all the companies but I ended up saving about $30 each month. My new agent seems to be really good.

  14. Leonora Mcguire

    21st Century is pretty cheap in North Carolina! :)

  15. Necole Ayers

    I got decent rates for a 1997 Hyundai Elantra in Concord, New Hampshire. Ended up at darn near $80 every six months with Auto-Owners. Have an at-fault accident tho. I’m thinking about dropping full coverage though.