2014 Hyundai Elantra Coupe Car Insurance Cost

Consumers have a choice when looking for low-cost Hyundai Elantra Coupe insurance. You can either spend your time contacting agents getting price quotes or use the internet to find the lowest rates. There is a better way to find car insurance online so you’re going to learn the quickest way to compare rates for your Hyundai and find the lowest possible price from local insurance agents and online providers.

Smart consumers take time to do rate comparisons as often as possible since prices are adjusted regularly by insurance companies. Even if you think you had the best quotes for Elantra Coupe coverage a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the only way to get good coverage at a lower rate.

These discounts can lower your insurance quotes

Auto insurance companies do not advertise all possible discounts very well, so the list below gives a summary of some of the more common and the more hidden savings tricks you should be using when you buy car insurance online. If you do not double check each discount you qualify for, you could be paying more than you need to.

• Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
• Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.
• Policy Bundle Discount – If you insure your home and vehicles and insure them both with the same insurance company you will save as much as 10 to 15 percent.
• Senior Citizen Rates – Drivers over the age of 55 may be able to get a small discount on rates for Elantra Coupe coverage.
• Claim Free – Good drivers with no accidents have much lower rates as opposed to accident-prone drivers.
• Discounts for Federal Employees – Active or former government employment may reduce rates when you quote car insurance for Elantra Coupe coverage with certain companies.
• Driver Training Discounts – Participating in a safe driver class can save you 5% or more and easily pay for the cost of the class.
• Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control can reduce accidents so you can save 10 percent or more.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. But any discount should help lower the premium cost.

A list of insurance companies and some of their more popular discounts can be read below.

• State Farm includes discounts for Drive Safe & Save, multiple policy, Steer Clear safe driver discount, accident-free, and anti-theft.
• American Family policyholders can earn discounts including mySafetyValet, TimeAway discount, early bird, multi-vehicle, and bundled insurance.
• AAA offers premium reductions for pay-in-full, multi-car, AAA membership discount, good driver, multi-policy, education and occupation, and anti-theft.
• Geico offers discounts for military active duty, good student, driver training, multi-policy, anti-theft, and multi-vehicle.
• Mercury Insurance may offer discounts for professional/association, low natural disaster claims, location of vehicle, anti-theft, and multi-car.
• Farmers Insurance may include discounts for pay in full, teen driver, alternative fuel, multi-car, and switch companies.
• Progressive discounts include online signing, multi-policy, online quote discount, good student, and continuous coverage.

If you need low cost car insurance quotes, ask every company to apply every possible discount. Discounts may not apply to policies in your area. To view companies that offer multiple discounts, click this link.

Different people need different car insurance coverages

When it comes to choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions could help you determine if your insurance needs will benefit from professional help.

• Is my ex-spouse still covered by my policy?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my state a no-fault state?
• Which is better, split liability limits or combined limits?
• Do I need roadside assistance coverage?
• Am I covered when pulling a rental trailer?
• Does having multiple vehicles earn me a discount?
• What is UM/UIM insurance?
• Am I covered if I hit my neighbor’s mailbox?
• Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Auto insurance coverages

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for EMT expenses, surgery, prosthetic devices and chiropractic care. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Hyundai Elantra Coupe.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision – This will pay to fix damage to your Elantra Coupe resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, rolling your car, sideswiping another vehicle, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive protection – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hail damage, a broken windshield, hitting a bird and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability – This protects you from damage that occurs to people or other property. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like bail bonds, structural damage, funeral expenses, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

In Summary

We’ve covered a lot of information how to reduce 2014 Hyundai Elantra Coupe insurance prices online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting affordable car insurance. Drivers may discover the best price on insurance coverage is with a smaller regional carrier.

Consumers change insurance companies for any number of reasons including being labeled a high risk driver, unfair underwriting practices, lack of trust in their agent and an unsatisfactory settlement offer. No matter why you want to switch, finding a new company is not as difficult as it may seem.

Some insurance coverage companies may not offer rates over the internet and these regional insurance providers only sell through independent agencies. Cheaper insurance coverage can be sourced both online as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture.

Additional insurance coverage information can be found at the links below

• Car Insurance FAQ (Trusted Choice)
• Rollover Crash FAQ (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• Alcohol Impaired Driving FAQ (iihs.org)