View 1999 Hyundai Elantra Insurance Quotes

Drivers have a choice when trying to find the lowest priced Hyundai Elantra insurance. They can either spend hours driving around to get rate comparisons or use the internet to get rate quotes.

There are both good and bad ways to buy car insurance and you need to know the absolute fastest way to get price quotes for a Hyundai and find the lowest price either online or from local insurance agents.

If you have a policy now or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. The purpose of this post is to help educate you on how car insurance quotes work and some tips to save money. Drivers only need an understanding of the most effective way to compare company rates on the web.

Buy auto insurance online

Finding cheap 1999 Hyundai Elantra auto insurance rates is pretty simple and can save money. Drivers just need to take a couple of minutes comparing rate quotes to see which company has cheap car insurance quotes. It’s super easy and can be done in a couple of different ways.

1. The first (and easiest) way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for boring form submissions for every auto insurance company. One quote request gets coverage cost estimates from several companies. Just one form and you’re done.
2. A harder way to find more affordable insurance consists of going to the website for every company you want to comare and repeat the quote process. For instance, let’s assume you want comparison quotes from Auto-Owners, Farmers and Liberty Mutual. To find out each rate you need to visit each site and type in your information over and over, which can get rather old. To view a list of companies in your area, click here.
3. The least efficient way to price shop rates is driving around to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you have a need for the peace of mind that only an agent can give. It is possible with some companies get prices online and get advice from an agent in your area.

Whichever way you choose to compare rates, be sure you’re using the exact same coverage limits and deductibles on every price quote you get. If each company quotes different data it’s not possible to truly determine the lowest rate.

Cheaper rates with these discounts

The cost of insuring your cars can be expensive, but you may qualify for discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time you complete a quote, but a few need to be asked about before being credited. If they aren’t giving you every credit possible, you are throwing money away.

• Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company you will save up to 20% and get you the cheapest car insurance.
• Early Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
• No Charge for an Accident – This one is not really a discount per se, but companies like State Farm and Geico may permit one accident without the usual rate increase as long as you don’t have any claims before the accident.
• Accident Free – Drivers who don’t have accidents get the best insurance rates in comparison to drivers who are more careless.
• Passive Restraints – Factory options such as air bags can qualify for discounts of more than 20%.
• Paperless Signup – Some insurance companies give back up to $50 for buying your policy digitally online.
• Life Insurance – Some insurance companies give a discount if you purchase some life insurance in addition to your auto policy.
• Telematics Data – Drivers that enable companies to study their driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as the data is positive.
• Discounts for New Vehicles – Adding a new car to your policy is cheaper due to better safety requirements for new model year vehicles.
• Student Driver Training – Require your teen driver to take driver’s ed class as it will make them better drivers and lower rates.

It’s important to note that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, that’s just not realistic. But all discounts should help reduce your overall premium however.

Popular insurance companies and their possible discounts are included below.

• Progressive offers premium reductions for continuous coverage, homeowner, multi-vehicle, multi-policy, good student, online quote discount, and online signing.
• AAA offers discounts for education and occupation, AAA membership discount, multi-car, good student, good driver, and anti-theft.
• Farmers Insurance policyholders can earn discounts including youthful driver, electronic funds transfer, business and professional, distant student, early shopping, good student, and mature driver.
• Geico may include discounts for five-year accident-free, daytime running lights, emergency military deployment, federal employee, multi-vehicle, multi-policy, and anti-theft.
• Esurance offers discounts including multi-policy, emergency road assistance, DriveSense, homeowner, good student, and safety device.
• SAFECO discounts include bundle discounts, multi-car, anti-theft, drive less, safe driver, and accident prevention training.
• State Farm includes discounts for student away at school, passive restraint, good student, safe vehicle, good driver, and Drive Safe & Save.

If you need lower rates, check with all the companies which discounts you qualify for. Some discounts might not apply in your state. To choose providers that offer discounts, click this link.

Learn how to lower your insurance prices

Lots of factors are part of the equation when premium rates are determined. A few of the factors are predictable such as your driving record, although some other factors are not as apparent such as your credit history or how financially stable you are.

• Pay more out-of-pocket – Your deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage coverage, also called comprehensive and collision insurance, protects your car from damage. Some coverage claims could be rearending another vehicle, damage caused by hail, and having a roll-over accident. The more money you choose to pay out-of-pocket, the less your car insurance will be for Elantra insurance.
• Teenage drivers are expensive to insure – Teen drivers are statistically shown to be easily distracted behind the wheel so they pay higher car insurance rates. Adding a beginning driver to your policy can be very expensive. Older, more experienced drivers are viewed as being more responsible, cause fewer claims and accidents and receive fewer citations.
• Liability coverage limits should be high – The liability coverage on your policy provides coverage if you are found liable for damages caused by your negligence. This coverage provides legal defense to defend your case. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.
• City traffic equals higher costs – Being located in a rural area is a good thing when trying to find low car insurance rates. Fewer drivers and short commutes means less chance of accidents as well as less vandalism and auto theft. Drivers in populated areas have to deal with much more traffic and a longer drive to work. More time behind the wheel means more chances of being involved in an auto accident.
• Traffic violations hurt – Being a careful driver has a huge affect on how much you pay. Only having one chargable violation can bump up the cost forty percent or more. Attentive drivers have lower premiums than people who have multiple driving citations. Drivers who get license-revoking violations like DUI, reckless driving or excessive speeding may be required to maintain a SR-22 with their state motor vehicle department in order to legally drive.
• Safer vehicles cost less to insure – Cars with high safety ratings cost less to insure. These vehicles reduce occupant injuries and fewer serious injuries translates into savings for insurance companies and cheaper rates on your policy.
• Having a spouse can save you money – Being married can actually save you money on your policy. Having a spouse generally demonstrates drivers are more mature and responsible and statistics prove being married results in fewer claims.
• Save by driving less – The more you drive your Hyundai annually the more it will cost to insure it. A lot of companies charge rates partially by how you use the vehicle. Cars and trucks that have low annual miles cost less to insure than those used for commuting. Incorrect rating for your Elantra may be costing you higher rates. Ask your agent if your vehicle rating properly reflects the right rating data.

Insurance coverage can be complex

When choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

• How can I find cheaper teen driver insurance?
• Do I need PIP (personal injury protection) coverage in my state?
• Is extra glass coverage worth it?
• Which companies will insure high-risk drivers?
• Am I covered if I crash into my own garage door?
• Is upholstery damage covered by car insurance?
• Does my insurance cover damage caused when ticketed for reckless driving?
• How do I insure my teen driver?
• What if I total my 1999 Hyundai Elantra and owe more than it’s worth?
• Do I need more liability coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage options for a 1999 Hyundai Elantra

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as dental work, rehabilitation expenses and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, hitting a deer, falling objects and fire damage. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

This will pay to fix damage to your Elantra from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like rolling your car, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability auto insurance

This coverage will cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like structural damage, bail bonds, legal defense fees, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Hyundai Elantra.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Make a quick buck

As you shop your coverage around, never reduce coverage to reduce premium. There are many occasions where someone dropped uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

People switch companies for a number of reasons such as an unsatisfactory settlement offer, policy cancellation, being labeled a high risk driver or even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.

Affordable 1999 Hyundai Elantra insurance can be bought from both online companies in addition to many insurance agents, so you need to quote car insurance with both to have the best chance of lowering rates. Some insurance providers may not offer the ability to get a quote online and many times these small insurance companies sell through independent agents.

More tips and info about auto insurance can be found at these sites:

• Electronic Stability Control FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Bodily Injury Coverage (Liberty Mutual)
• Coverage Information (Progressive Insurance)
• Things to Know Before you Cancel Insurance (Allstate)