2001 Hyundai Elantra Car Insurance Quotes

Want the cheapest auto insurance rates for your Hyundai Elantra? Do you get exhausted from scraping nickels together to buy auto insurance? You are no different than the majority of other consumers.

Due to the increasing number of insurance companies to choose from, it can be diffult for drivers to pick the most affordable auto insurance company.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. But vehicle owners can benefit by having an understanding of the methods companies use to price insurance differently because it can help you find the best coverage.

Buy car insurance online

There are multiple methods to shop for car insurance, but there is one way that is less time-consuming than others. You could waste a few hours talking about coverages with local insurance agents in your area, or you can stay home and use online quotes for quick rates.

Most of the best insurance companies take part in a program that allows shoppers to complete one form, and each participating company can give them a price for coverage. This system prevents you from having to do quote requests to each company.

To enter your information into the quoting system, click to open in new window.

The one downside to using this type of system is you don’t know exactly which carriers to receive prices from. So if you prefer to choose specific providers for rate comparison, we put together a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just double check that you are using nearly identical coverage limits and deductibles on every quote you get. If each company quotes differing limits it will be impossible to determine which rate is truly the best. Just slight variations in insurance coverages or limits may cause a big price difference. And when price shopping your coverage, making a lot of price comparisons helps locate more affordable insurance. Some smaller insurers to not give quotes online, so it’s important to also get prices on coverage from those companies, too.

Car Insurance Discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that could drop your premiums quite a bit. Certain discounts will be applied at the time of purchase, but less common discounts must be specifically requested before being credited.

• Discounts for Responsible Drivers – Accident-free drivers may receive a discount up to 45% on Elantra coverage than drivers with accident claims.
• Accident Waiver – but companies like Libery Mutual, Geico and Allstate will let one accident slide without raising rates so long as you are claim-free prior to being involved in the accident.
• Data Collection Discounts – People who choose to allow driving data submission to monitor driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as they are good drivers.
• Driver Training Discounts – Passing a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
• Organization Discounts – Belonging to qualifying clubs or civic groups is a good way to get lower rates when getting a insurance coverage quote.

Remember that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will help lower your overall bill.

Companies and a partial list of their discounts can be found below.

• Esurance has savings for claim free, Pac-12 alumni, good student, safety device, good driver, Switch & Save, and defensive driver.
• The Hartford offers premium reductions for driver training, defensive driver, vehicle fuel type, anti-theft, air bag, and good student.
• AAA has discounts for pay-in-full, multi-policy, education and occupation, anti-theft, AAA membership discount, and multi-car.
• Geico offers discounts for seat belt use, multi-vehicle, military active duty, multi-policy, and air bags.
• State Farm offers discounts including good student, Drive Safe & Save, good driver, passive restraint, driver’s education, safe vehicle, and anti-theft.

If you need cheaper insurance coverage quotes, ask all the companies which discounts they offer. All car insurance discounts might not be available to policyholders in your area. To see a list of insurance companies that offer discounts, follow this link.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help you determine whether or not you might need an agent’s assistance.

• What companies insure drivers after a DUI or DWI?
• How many claims can I have before being cancelled?
• Does insurance cover tools stolen from my truck?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need medical payments coverage since I have good health insurance?
• Should I have a commercial auto policy?
• Am I getting all the discounts available?
• When can I cancel my policy?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

What auto insurance coverages do you need?

Understanding the coverages of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by auto insurance companies.

Liability coverage

This coverage will cover damage or injury you incur to people or other property. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as attorney fees, medical services, medical expenses, court costs and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, a broken windshield and damage from getting keyed. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills such as dental work, hospital visits, nursing services and pain medications. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage will pay to fix damage to your Elantra from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, colliding with a tree, hitting a parking meter, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Hyundai Elantra.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.