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.
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.
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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.
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.
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:
Before you buy a policy, ask every company which credits you are entitled to. Some discounts may not apply to policies in your area.
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.
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.
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.
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 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.
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
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.
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.
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:
Isabella Freeman
I’ve had Allstate for years. I’m in Chicago, Illinois.
Ariel Cabrera
Cheap is not always the best policy. From northwest of Burlington, VT. Got quotes from GEICO, Hartford, and Eastwood for my Hyundai and saved $287 a year. Was with Auto-Owners. I have several vehicles insured with them.
Monserrate Williams
I’ve insured with 21st Century for a long time. Pretty cheap in Provo, Utah.
Vilma Kelly
Looking for cheaper 2011 Hyundai Elantra insurance in Miami, FL. Help!
Enola Sears
Not sure if this is cheap. From northwest of Columbus, OH. Quoted prices online for a 2011 Hyundai Elantra. Ended up at about $230 savings annually. Went with Allstate. Hopefully won’t need it. Not sure about claim service.
Erin Tillman
I live on the north side of Green Bay, Wisconsin. Received quotes from Liberty Mutual, Auto-Owners, Sentry, and a couple others for my Hyundai and saved $549 a year. Thankfully I have a good driving record. :P
Rueben Levine
I got a good deal I think. I live just outside Parkersburg, West Virginia. Don’t remember every company but I ended up saving about $60 each month. LOL
Christi Harper
I’m in Lewiston, ME and need high risk coverage. Help!
Dione Parrish
Lots of good stuff here. Located in Baltimore, Maryland. Checked online prices for a 2011 Hyundai Elantra. Ended up at about $550 savings annually. Went with Allstate. Was with Erie. It’s still not cheap enough.
Nadia Ramsey
From northwest of Mesa, AZ. I don’t recall every quote but I ended up saving about $20 each month. Just go online and compare their rates.
Frances Tran
If you have a clean record and live in the vicinity of Chesapeake, Virginia, check out 21st Century. You might save some money. Left Esurance to switch. My new agent seems to be really good.
Rochelle Gilliam
Cheap car insurance? What’s that? From north side of Eugene, OR. Quoted with Travelers, Auto-Owners, GMAC, and Mercury for my Hyundai and am saving around $250 a year. My new agent seems to be really good.