2013 Hyundai Elantra Coupe Car Insurance Cost – 9 Tips for Cheapest Prices
Are you at wits end from not being able to afford to pay high auto insurance rates every month? You are in the same boat as millions of other people. Many insurers compete to insure your vehicles, and because of this it can be hard to compare insurance companies to find the best rates possible.
It’s a great practice to do rate comparisons quite often because auto insurance prices are constantly changing. Even if you think you had the best deal for Elantra Coupe coverage at your last renewal you will most likely find a better rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to buy cheaper auto insurance.
The best way we recommend to compare policy rates is to understand all the major auto insurance companies actually pay money for the chance to give free rates quotes. To begin a comparison, all you need to do is give them rating details like if the car is leased, your credit rating estimate, types of safety features, and distance driven. Your details is then submitted to multiple auto insurance providers and you should receive rate quotes almost instantly.
If you would like to start a quote now, click here and complete the quick form.
Find discounts to get cheap auto insurance quotes
Properly insuring your vehicles can get expensive, but you may qualify for discounts that you may not even know about. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be requested specifically before you will receive the discount.
- Discounts for Government Workers – Having worked for a branch of the government may qualify for a discount when you quote auto insurance for Elantra Coupe coverage but check with your company.
- Discounts for Multiple Vehicles – Having all your vehicles on one policy can reduce the rates for all insured vehicles.
- E-sign – Many insurance companies provide a small discount for buying your policy on the internet.
- Discount for Low Mileage – Keeping the miles down on your Hyundai may allow you to get lower rates on the low mileage vehicles.
- Early Signing – Select larger companies give a discount for buying a new policy early. It could save around 10% when you buy auto insurance online.
- Driver’s Education for Students – Have your child successfully complete driver’s ed class in high school.
- Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
- Professional Organizations – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy life insurance from them.
You can save money using discounts, but some credits don’t apply the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
Companies who might offer some of the discounts shown above include:
It’s a good idea to ask every company how you can save money. A few discounts may not be available in your area. To view auto insurance companies that offer some of these discounts, click here.
Tailor your car insurance coverage to you
When choosing coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation may require specific advice.
- Do I need PIP (personal injury protection) coverage in my state?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Does insurance cover tools stolen from my truck?
- What are the best liability limits?
- Why am I required to get a high-risk car insurance policy?
- Is a new car covered when I drive it off the dealer lot?
If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Specific coverage details
Learning about specific coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like EMT expenses, doctor visits and hospital visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible
Liability coverage
This coverage will cover damage that occurs to a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers claims such as medical expenses, attorney fees, emergency aid, loss of income and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.
Collision coverage protection
Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like hitting a parking meter, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Hyundai Elantra Coupe.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Comprehensive insurance
This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as theft, damage from a tornado or hurricane and falling objects. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Milan Guthrie
I live just outside Salem, Oregon. Compared quite a few companies. Saved about $70 a month. Progressive was the most affordable for me. Insured with Esurance before.
Justina Mcdonald
I live on the north side of Cedar Rapids, Iowa. Got quotes with AIG Insurance, MetLife, and a few others for my 2013 Hyundai Elantra Coupe and saved $286 a year.
Tosha Hess
Will Progressive raise rates if I file a claim?
Raul Cross
Good detail in your article. From a town just southwest of Warwick, RI. Checked online prices for a 2013 Hyundai Elantra Coupe. Ended up at about $220 savings annually. Went with State Farm. Wish I didn’t have to insure at all.
Ching Whitehead
From a town just southwest of Tampa, Florida. Got car insurance rates from Progressive, Auto-Owners, and Esurance for my 2013 Hyundai Elantra Coupe and I’m now saving $29 a month. Left Allstate to switch.
Bethann Goodwin
GEICO and State Farm had the best prices I found in Alabama.
Christen Bonner
From Bismarck, ND. I got free rates from Amica, Mercury, and USAA for my 2013 Hyundai Elantra Coupe and saved $456 a year. Left Travelers to switch.
Estell Osborn
Cheap is not always the best policy. I’m in the south part of Billings, Montana. Got quotes with Auto-Owners, MetLife, and some smaller one I can’t remember the name of for my Elantra Coupe and I think I am saving around $50 each month. Left USAA to switch. It’s still not cheap enough.
Dominick Park
Are Allstate or Allstate rates cheaper in Kentucky?
Vada Fowler
Lots of useful info here. I’m in the suburbs of Kailua, Hawaii. Got free quotes online for a 2013 Hyundai Elantra Coupe. Ended up at about $490 savings annually. Went with Progressive. Left Sentry to switch. I’m a pretty good driver though. I used their website to get prices.
Ghislaine Bryan
Will GEICO give a discount for driver training?
Mercedes Burton
Live in Tampa, FL. Got free quotes online for a 2013 Hyundai Elantra Coupe. Ended up at about $310 savings annually. Went with 21st Century. Was with AAA. I got a quote from their website.
Wm Casey
Will Progressive insure with a DUI in Gaithersburg, Maryland?
Chrystal Cotton
I found affordable 2013 Hyundai Elantra Coupe insurance from 21st Century in Tucson, AZ.
Robbie Gardner
Live in the northern part of Boise, ID. Quoted with Amica, MetLife, and a few others for my Elantra Coupe and saved just over $420 a year. Left 21st Century to switch. I’m a pretty low risk driver. It’s still not cheap enough.
Ceola Greer
All companies are crooks. Proud to be from Portland, OR. I quoted with Western Auto Insurance, Amica, The General, and Mercury for my Elantra Coupe and cut my rates about $210 a year.
Deena Buckner
It all costs too much. Live in the eastern part of Los Angeles, CA. I don’t recall every quote but I ended up saving about $20 each month. Insured with Encompass before. Not sure if rates are cheaper online or through an agent.
Caroyln Barton
If you have a good history and live around Bridgeport, CT, check out 21st Century. They seem to be cheaper. Left Hartford to switch. I get a discount for insuring multiple vehicles. :)
Della Estrada
If you don’t have tickets and live in the vicinity of Atlanta, GA, check out GEICO. You might get cheaper rates. I’m a pretty low risk driver. LOL
Denita Beard
Here’s my quote info. I live just to the east of Lincoln, NE. I quoted with Nationwide, Erie, State Farm, and Auto-Owners for my Hyundai and saved about $120 a year. Left USAA to switch. I have a couple other vehicles on the policy.
Belva Frederick
I live in a small town just outside of Gaithersburg, MD. Checked online prices for a 2013 Hyundai Elantra Coupe. Ended up at about $330 savings annually. Went with GEICO. My new agent seems to be really good. Online quotes are the way to go.