2015 Hyundai Elantra Insurance Rates – 9 Tips for Cheapest Quotes

If price shopping insurance quotes online is new to you, most likely you are baffled by the sheer number of insurance providers who all claim to have the lowest rates.

Smart consumers take time to compare prices every six months because auto insurance prices trend upward over time. Just because you had the lowest rates for Elantra coverage two years ago there may be better deals available now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the best way to properly buy coverages while reducing your premium.

If you have car insurance now, you should be able to cut costs considerably using these techniques. The purpose of this post is to instruct you on how car insurance quotes work. But vehicle owners should learn how insurance companies price online insurance because it can help you find the best coverage.

Compare auto insurance rates

To find affordable insurance quotes, there are several ways to compare prices from all the different companies. One of the best ways to compare rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This method prevents you from having to do separate quotes for each price estimate. In just a few minutes this one form gets insurance cost estimates direct from many companies.It’s the quickest way to get rates.
  2. A slightly less efficient method to obtain and compare quotes online consists of going to the website of each company and get a separate price quote. For sake of this example, we’ll pretend you want comparison quotes from Progressive, Farmers and Liberty Mutual. In order to compare rates, you need to spend time on each company’s site and repeatedly type in your coverage information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest method to compare rates is to spend your day driving to insurance agencies in your area. The ability to quote online has reduced the need for local agents unless your situation requires the professional guidance of a local agency. You can, however, comparison shop online and get advice from an agent in your area.

However you get your quotes, make absolute certain that you use nearly identical coverages and limits on every quote you get. If you have different data you can’t possibly make a fair comparison for your Hyundai Elantra. Even a minor difference in coverage limits may result in large price differences. It’s important to know that comparing more company’s prices provides better odds of finding more affordable rates. Not every company does quotes online, so it’s recommended that you also compare prices from the smaller companies as well.

Get cheap insurance with discounts

Car insurance companies do not list every available discount in an easy-to-find place, so the following list contains a few of the more common as well as the least known ways to save on insurance.

  • Accident Forgiveness – This one isn’t a discount, but some insurance companies permit an accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.
  • Early Renewal Discounts – A few insurance companies offer discounts for switching policies prior to your current policy expiring. You may see this discount when you get insurance quotes online.
  • Government Employees – Federal government employees may reduce rates when you quote insurance for Elantra coverage depending on your insurance provider.
  • Claim-Free Discount – Drivers who stay claim-free can earn big discounts in comparison to policyholders that have many claims.
  • Driving Data Discount – Drivers who agree to allow data collection to track their driving habits by using a telematic data system like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.
  • Low Mileage – Keeping the miles down on your Hyundai may enable drivers to earn cheaper prices.
  • Seat Belts Save – Requiring all passengers to wear their seat belts could save 15% off the medical payments premium.
  • Defensive Driving Course – Taking part in a driver safety course may get you a small discount depending on where you live.
  • Senior Citizen Rates – If you’re over the age of 55, you could receive a small decrease in premiums for Elantra coverage.

As a sidenote, some of the credits will not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

To view insurers that offer multiple discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions might help in determining whether or not you will benefit from professional help.

  • Can I still get insurance after a DUI?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • What is covered by UM/UIM coverage?
  • Do I have coverage when making deliveries for my home business?
  • Does my insurance cover my expensive audio equipment?
  • Should I sign the liability waiver when renting a car?
  • Should I buy full coverage?
  • Why am I required to buy liability insurance?
  • When does my teenage driver need to be added to my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Do drivers who switch really save $409 a year?

Respected companies like Progressive, Allstate and Geico continually stream television and radio advertisements. They all seem to advertise the message about saving some big amount if you move your coverage. It sounds good, but how can they all have lower policy pricing? This is the trick they use.

Most companies have a preferred profile for the type of customer that will generate a profit. For example, a desirable risk may be married and over the age of 30, owns a home, and drives less than 10,000 miles a year. Anybody who meets those qualifications gets the lowest premium rates and most likely will save quite a bit of money when switching.

Consumers who do not fit the ideal profile will be charged a higher premium which leads to the prospect going elsewhere. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save money. That’s the way companies can truthfully make claims like that. Because of the profiling, you really should do a rate comparison at every renewal. It’s not possible to predict the company that will have the best premium rates at this point in time.

Specifics of your car insurance policy

Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage protection

Collision coverage pays for damage to your Elantra resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a building, backing into a parked car, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, damage from a tornado or hurricane and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

This coverage will cover damage that occurs to other’s property or people. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as loss of income, legal defense fees, funeral expenses and emergency aid. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for chiropractic care, ambulance fees, hospital visits and surgery. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be a smart shopper

Cost effective 2015 Hyundai Elantra insurance can be found both online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies don’t offer the ability to get a quote online and most of the time these smaller providers provide coverage only through independent insurance agents.

We covered a lot of techniques to get a better price on 2015 Hyundai Elantra insurance. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding affordable insurance. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at an affordable rate.

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Comments About 2015 Hyundai Elantra Insurance

  1. Porsche Crawford

    Any State Farm or Erie customers near Birmingham, AL?

  2. Jenelle Cooper

    If you have a good history and live in the vicinity of Dover, DE, check out GEICO. You might get cheaper rates. Insured with Hanover before.

  3. Forrest Vasquez

    I found cheap 2015 Hyundai Elantra insurance in Portland, OR with Progressive.

  4. Odelia Hill

    Proud to be from Knoxville, Tennessee. Got car insurance prices from American Family, Sentry, and some smaller one I can’t remember the name of for my 2015 Hyundai Elantra and saved just over $230 a year. A clean driving record helps. I got a quote from their website.

  5. Shakia Barnes

    I got quite a few price quotes for a 2015 Hyundai Elantra in Norman, Oklahoma. Ended up at about $550 every six months with Amica. Have a couple speeding tickets too. You can get a rate quote online.

  6. Bertram Ramos

    Live in Sioux Falls, SD. I don’t recall every quote but I ended up saving about $30 each month. Was with 21st Century. I have a teen driver too.

  7. Ara Frost

    Anyone compare GEICO and State Farm rates in Springfield, MA?