2014 Hyundai Elantra Insurance Quotes

Want cheaper insurance rates for your Hyundai Elantra? Nobody that owns a car likes buying insurance, especially when the price is too high. Numerous insurers battle for your business, so it can be very hard to choose a insurance company to find the absolute best rate

If you have a policy now or are just looking to switch companies, you can follow these tips to reduce the price you pay and possibly find even better coverage. Finding the best rates is not rocket science. Drivers just need to learn the most effective way to compare company rates online.

Why informed consumers pay less for Hyundai Elantra insurance

Lots of factors are considered when pricing auto insurance. A few of the factors are predictable such as your driving record, but other factors are less obvious such as whether you are married and annual miles driven.When buying auto insurance it’s important to understand the different types of things that come into play when calculating your auto insurance rates. When you understand what influences your rates, this empowers consumers to make smart changes that may result in much lower annual insurance costs.

• Policy add-ons add up – Insurance companies have many additional extra coverages that can waste your money when buying auto insurance. Insurance for vanishing deductibles, accident forgiveness, and term life insurance are some examples. They may seem like a good idea when buying your policy, but your money might be better spent on other coverage so eliminate them to save money.
• Safer vehicles cost less to insure – Vehicles with good safety scores tend to be cheaper to insure. Safer cars reduce injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
• Increase comp and collision deductibles and save – Physical damage protection, otherwise known as comp (or other than collision) and collision, insures against damage to your Hyundai. A few examples of covered claims are a broken windshield, flood damage, or theft. Your deductibles state the amount of money you are required to spend before a claim is paid by your company. The higher the amount you have to pay, the less money you will pay for auto insurance for Elantra coverage.
• Never let your auto insurance expire – Not having insurance can get your license suspended and companies may charge more for letting your insurance lapse. Not only will you pay higher rates, not being able to provide proof of insurance may result in a license revocation or jail time. You could then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Do you know you’re credit rating? – A driver’s credit history can be an important factor in determining premium rates. So if your credit score leaves room for improvement, you could pay less to insure your 2014 Hyundai Elantra by taking the time to improve your credit score. Drivers who have excellent credit tend to file fewer claims and have better driving records than those with poor credit scores.
• Do you work long hours in a tough employer? – Occupations such as judges, architects and accountants usually pay the highest average rates in part from job stress and long work hours. On the flip side, jobs like actors, engineers and retirees get better rates for Elantra coverage.

How to get free insurance coverage quotes online

Effectively comparing insurance coverage prices can be a lot of work if you aren’t aware of the easiest way. You could waste a few hours talking about coverages with insurance agencies in your area, or you can utilize online quotes to get rates in a matter of minutes.

Many popular insurance companies take part in a program that allows shoppers to send in one quote, and at least one company then returns a price quote based on that information. This system prevents you from having to do quote forms for each company.

To compare rates using this form now click to open in new window.

The single downside to getting quotes like this is buyers cannot specifically choose which companies you want pricing from. So if you want to choose from a list of companies to compare prices, we have a listing of insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but be sure you’re using the same quote information on every price quote you get. If you compare different limits and deductibles on each one it’s impossible to get a fair rate comparison.

Are you falling for claims of savings?

Consumers can’t ignore all the ads that claim the cheapest prices from companies such as Geico, State Farm and Progressive. All the ads make the point about saving some big amount if you change your car insurance policy to them.

How is it plausible that every one can say the same thing?

Companies provide the lowest rates for the type of customer that earns them a profit. One example of a profitable customer might be described as over the age of 45, has other policies, and drives a vehicle with a low ISO rating. Any customer that meets those criteria gets the lowest prices and will probably save a lot if they switch.

Potential customers who fall short of the ideal profile may be required to pay more expensive rates and this results in the customer not purchasing. If you listen closely, the ads state “people that switch” not “all people who quote” save that much. That is how insurance companies can state the savings.

This really emphasizes why drivers must compare quotes as often as possible. It’s not possible to predict which car insurance company will have the best premium rates for your profile.

Car insurance companies offer lots of discounts

Buying car insurance is not cheap, but you may find discounts that you may not even be aware of. Many discounts should be triggered at the time you complete a quote, but some may not be applied and must be inquired about prior to getting the savings.

• Air Bag Discount – Factory air bags may qualify for discounts up to 30%.
• Save over 55 – Drivers over the age of 55 can get a small discount on rates for Elantra coverage.
• Accident Waiver – Not really a discount, but a handful of insurance companies permit an accident without the usual rate increase if you have no claims prior to being involved in the accident.
• Driving Data Discount – Policyholders that allow driving data submission to look at driving patterns by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if their driving habits are good.
• Switch and Save Discount – A few insurance companies allow discounts for switching policies before your current coverage expires. You may see this discount when you get insurance quotes online.
• Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase a life policy as well.
• Active Service Discounts – Being deployed with a military unit could qualify you for better car insurance rates.
• Discounts for Multiple Vehicles – Insuring multiple cars or trucks on a single policy could earn a price break for each car.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.
• Membership in Organizations – Joining certain professional organizations could earn you a nice discount on your policy.

A quick disclaimer, most discount credits are not given to the entire cost. Most cut specific coverage prices like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, that’s just not realistic.

To see providers with the best discounts, click this link.

Do I just need basic coverages?

When choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions could help you determine if your situation might need professional guidance.

• Do I need to file an SR-22 for a DUI in my state?
• Is my ex-spouse still covered by my policy?
• Is other people’s property covered if stolen from my vehicle?
• What is the minimum liability in my state?
• Does insurance cover tools stolen from my truck?
• Do I pay less for low miles?
• Am I covered when driving in Canada or Mexico?
• Do I need motorclub coverage?
• Should I buy additional glass protection?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance coverage breakdown

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

Collision coverage – Collision coverage will pay to fix damage to your Elantra resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Liability car insurance – Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as funeral expenses, court costs, bail bonds, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Hyundai Elantra.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, hitting a deer and hitting a bird. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as nursing services, EMT expenses and surgery. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Do the work, save more money

More affordable car insurance can be sourced on the web and with local insurance agents, so you need to quote insurance with both so you have a total pricing picture. Some insurance companies do not provide online price quotes and these smaller providers prefer to sell through independent agencies.

In this article, we presented many ideas to reduce 2014 Hyundai Elantra insurance premium rates online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. You may even discover the best premium rates are with an unexpected company. These smaller insurers can often provide lower prices in certain areas compared to the large companies like Progressive and Geico.

For more information, link through to the articles below:

• Choosing an Insurance Company (Insurance Information Insitute)
• What Insurance is Cheapest for a Hyundai Elantra in Aurora? (InsuranceAurora.com)
• Electronic Stability Control FAQ (iihs.org)
• Credit and Insurance Scores (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Senior Drivers (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)