2011 Hyundai Elantra Insurance Quotes – 5 Tips for Best Rates

If price shopping car insurance quotes online is new to you, it’s easy to get overwhelmed thanks to the incredible selection of online companies competing for business.

You should make it a habit to quote other rates every six months since insurance prices are usually higher with each renewal. Just because you had the best price on Elantra coverage a few years ago there may be better deals available now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the proper way to get good coverage at a lower rate.

Where can I get low cost insurance?

There are several ways to shop for insurance, but one way is easier and takes less work. You could spend the better part of a day talking to insurance agencies in your area, or you can stay home and use online quoting to quickly compare rates.

Many insurance companies enroll in a system that enables customers to enter their coverage request one time, and each participating company can provide price quotes determined by their information. This eliminates the need for quote requests to each company.

To compare pricing click here to open in new window.

The one downside to doing it this way is that consumers can’t choose the providers to get quotes from. So if you want to select specific insurance companies for rate comparison, we have a page of low cost insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just ensure you’re using nearly identical coverage information with each company. If you use unequal deductibles or liability limits it will be impossible to determine the best price for your Hyundai Elantra. Just slight variations in limits could mean much higher rates. Just remember that comparing a wide range of rates will increase your chances of finding better pricing.

Do you qualify for discount insurance coverage?

Some insurance providers don’t necessarily list the entire discount list in an easy-to-find place, so the list below details a few of the more common as well as some of the hidden credits available to you. If you do not double check each discount you deserve, you may be paying too high a price.

• College Student – Any of your kids who attend college more than 100 miles from home and don’t have a car may be insured at a cheaper rate.
• Service Members Pay Less – Having an actively deployed family member could mean lower prices.
• Waiver for an Accident – Not really a discount, but certain companies will allow you to have one accident without raising rates as long as you don’t have any claims for a set time period.
• Policy Bundle Discount – If you can combine your auto and homeowners policy and place coverage with the same company you may save at least 10 to 15 percent or more.
• Claim Free – Good drivers with no accidents have much lower rates when compared with policyholders that have many claims.

As a footnote on discounts, some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like you can get free auto insurance, companies don’t profit that way.

A few of the larger companies and a summarized list of policyholder discounts are:

• State Farm may have discounts that include good driver, driver’s education, accident-free, passive restraint, and Steer Clear safe driver discount.
• American Family policyholders can earn discounts including air bags, early bird, Steer into Savings, defensive driver, multi-vehicle, and bundled insurance.
• Geico offers discounts for driver training, multi-policy, daytime running lights, multi-vehicle, membership and employees, federal employee, and military active duty.
• 21st Century includes discounts for theft prevention, air bags, defensive driver, early bird, student driver, and anti-lock brakes.
• Progressive may include discounts for online quote discount, online signing, multi-vehicle, homeowner, and multi-policy.

Before you buy a policy, ask every company which credits you are entitled to. Some discounts may not apply to policies in your area.

What insurance coverages do I need?

When choosing the best insurance coverage coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might help in determining whether you would benefit from an agent’s advice.

• I have good health insurance, so how much medical payments coverage do I need?
• Does medical payments coverage apply to all occupants?
• How can I find cheaper teen driver insurance?
• Are rental cars covered under my policy?
• Does my policy cover my teen driver if they drive my company car?
• Will I be non-renewed for getting a DUI or other conviction?
• Does my insurance cover my expensive audio equipment?
• Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Learn about car insurance coverages for a 2011 Hyundai Elantra

Understanding the coverages of your car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage

This covers damage to your Elantra caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, rock chips in glass, hitting a deer and fire damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, pain medications and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Hyundai Elantra.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU from legal claims by others, 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. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like pain and suffering, repair bills for other people’s vehicles, legal defense fees, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

One last thing

You just learned some good ideas how to get a better price on 2011 Hyundai Elantra insurance. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with the least-expected company.

Drivers switch companies for a number of reasons such as being labeled a high risk driver, denial of a claim, high prices or unfair underwriting practices. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.

While you’re price shopping online, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where someone sacrificed physical damage coverage and discovered at claim time that it was a big error on their part. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

More tips and info about auto insurance is available in the articles below:

• Airbag FAQ (iihs.org)
• How Much are Car Insurance Rates for a Hyundai Elantra in Kansas City? (KCAutoGuard.com)
• Auto Insurance FAQ (Farmers Insurance)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)