Lower Your 2000 Hyundai Elantra Insurance Rates

Searching for cheaper auto insurance rates? Consumers have lots of choices when looking for low-cost Hyundai Elantra insurance. You can either spend your time calling around trying to get quotes or save time using the internet to get rate quotes. There are both good and bad ways to compare auto insurance rates so you’re going to learn the proper way to quote coverages for a Hyundai and locate the lowest possible price either online or from local insurance agents.

You may qualify for discounts

Companies don’t necessarily list their entire list of discounts in an easy-to-find place, so here is a list some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy auto insurance online.

• Senior Discount – If you qualify as a senior citizen, you could receive reduced rates for Elantra coverage.
• Paperless Signup – Some of the larger companies will give a small break get auto insurance digitally online.
• Defensive Driver Discount – Taking time to complete a class that teaches driver safety techniques is a good idea and can lower rates if you qualify.
• Discount for Multiple Policies – When you combine your homeowners and auto insurance with the same company you will save nearly 15% which can help you find cheap auto insurance.
• Professional Organizations – Affiliation with a professional or civic organization can get you a small discount on auto insurance.

Don’t be surprised that some credits don’t apply to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, it’s just not the way it works.

Car insurance companies that may have most of these discounts possibly include:

• Esurance
• The Hartford
• AAA
• Geico
• State Farm

When comparing rates, check with every prospective company how you can save money. Some discounts may not be offered in your state. To locate auto insurance companies that can offer you the previously mentioned discounts, follow this link.

How much does car insurance cost?

There are several ways to compare car insurance quotes, but some are easier and takes less work. You could spend the better part of a day driving to insurance agencies in your area, or you could use the internet to get prices fast.

Many of the larger companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and each participating company then gives them pricing based on that data. This eliminates the need for repetitive form submissions for each company you want a rate for.

To find out how much you’re overpaying now click to open in new window.

The one disadvantage to pricing coverage this way is you are unable to specify which insurance companies you want pricing from. If you prefer to choose from a list of companies to receive pricing from, we have a listing of the cheapest car insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just try to keep the exact same quote data with each company. If you use different values for each quote it will be nearly impossible to determine the best price for your Hyundai Elantra.

Six things that determine your insurance premiums

A large part of saving on car insurance is knowing the factors that play a part in calculating car insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make good choices that may result in lower premium levels. Lots of things are part of the equation when quoting car insurance. Some are pretty understandable like a motor vehicle report, although others are more transparent like your continuous coverage or your commute time.

• Stay claim-free and lower rates – Insurance companies generally give cheaper rates to policyholders who only file infrequent claims. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
• High comp and collision deductibles cost less – The deductibles you choose represent how much money you are required to spend before your car insurance pays a claim. Insurance for physical damage to your car, aka comp and collision, covers damage that occurs to your car. Some examples of covered claims are a windshield broken by a bird, damage from fire, or theft of your vehicle. The more of the claim you are required to pay out-of-pocket, the less your company will charge you for insurance for Elantra coverage.
• Annual mileage and car insurance prices – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Most insurance companies charge rates partially by how you use the vehicle. Cars and trucks that sit idle most of the time get more affordable rates than those used for commuting. A policy that improperly rates your Elantra may be costing you higher rates. Ask your agent if your vehicle rating properly reflects the correct usage.
• Incidental coverages are wasting money – There are many extra coverages that can waste your money but may not be useful. Things like vanishing deductibles, better glass coverage, and additional equipment coverage could be just wasting money. They may seem like a good idea when deciding what coverages you need, but your needs may have changed so remove them from your policy.
• Insurance costs and driver gender – Statistics have proven that women are safer drivers than men. This data doesn’t prove that men are WORSE drivers than women. Males and females have fender benders in similar numbers, but the male of the species tend to have higher claims. They also get higher numbers of serious violations such as reckless driving. Young men ages 16 to 20 are the most expensive to insure and therefore pay the highest rates.
• Marriage is a factor – Having a wife or husband may earn you lower rates compared to being single. Having a spouse may mean you are more stable financially and statistics prove married drivers tend to file fewer claims.

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

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

These are some specific questions can aid in determining whether you could use an agent’s help.

• Is motorclub coverage worth it?
• Should I buy only the required minimum liability coverage?
• Do I pay less if my vehicle is kept in my garage?
• When would I need rental car insurance?
• Does my personal policy cover me when driving out-of-state?
• Will I be non-renewed for getting a DUI or other conviction?
• Are split liability limits better than a combined single limit?
• Do I have coverage when pulling a U-Haul trailer?
• Does my policy cover my teen driver if they drive my company car?
• Can I afford to buy a different vehicle if my 2000 Hyundai Elantra is totaled?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Well known brands might not be cheapest

Consumers constantly see and hear ads that promise big savings from the likes of Progressive, Allstate and Geico. They all seem to make the point that drivers will save a bundle just by moving to them.

But how can every company lower your prices? Just pay attention to how they say it.

All companies have a preferred profile for the type of driver that will generate a profit. An example of a profitable risk profile may be a married female, carries high limits, and has excellent credit. Any driver who matches that profile will get very good premium rates and will most likely save a lot of money.

Potential insureds who fall outside these criteria will probably be forced to pay higher premiums and this can result in the customer buying from a different company. The trick is to say “people who switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can confidently lure you into getting a quote. That is why you need to compare as many free auto insurance quotes as you can. It’s impossible to know which insurance coverage company will fit your personal profile best.

Auto insurance coverage information

Knowing the specifics of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Hyundai Elantra.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability – Liability insurance can cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like funeral expenses, court costs, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – This coverage pays for 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 such as rolling your car, colliding with a tree, hitting a parking meter, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as prosthetic devices, X-ray expenses, hospital visits, ambulance fees and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Final thoughts

Discount 2000 Hyundai Elantra insurance is definitely available both online as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some companies don’t offer the ability to get quotes online and many times these small, regional companies prefer to sell through local independent agents.

In this article, we covered a lot of ways to get a better price on 2000 Hyundai Elantra insurance. The key concept to understand is the more quotes you get, the better likelihood of getting cheap auto insurance. Consumers may even find the lowest car insurance rates are with a smaller regional carrier.

Insureds who switch companies do it for many reasons like being labeled a high risk driver, extreme rates for teen drivers, high rates after DUI convictions and questionable increases in premium. It doesn’t matter what your reason, finding a new insurance company is actually quite simple.

To read more, feel free to visit the following helpful articles:

• Five Mistakes to Avoid (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Safety Belts FAQ (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)