View 2018 Hyundai Elantra GT Insurance Rates

Trying to find better insurance coverage rates for your Hyundai Elantra GT? Having to pay for pricey Hyundai Elantra GT insurance can eat up your checking account and possibly require postponing other expenditures. Comparison shopping is a fast and free way to tighten up your finances.

There is such a variety of car insurance companies to buy insurance from, and though it is a good thing to have multiple companies, it can be more challenging to find the best rates.

Lower rates by qualifying for discounts

Some insurers don’t list the complete list of policy discounts in a way that’s easy to find, so we researched both well-publicized and the harder-to-find discounts you could be receiving when you buy insurance online.

• Service Members Pay Less – Having a family member in the military could qualify you for better rates.
• Senior Citizen Rates – Older drivers may receive a small decrease in premiums for Elantra GT insurance.
• Distant College Student Discount – College-age children who are attending college and do not have a car may be insured at a cheaper rate.
• Onboard Data Collection – Insureds that choose to allow companies to analyze where and when they drive by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they are good drivers.
• Federal Employees – Being employed by or retired from a federal job may reduce rates when you quote insurance for Elantra GT insurance with some auto insurance companies.
• Driver Education Discount – Require your teen driver to enroll and complete driver’s education if it’s offered in school.
• Include Life Insurance and Save – Some insurance companies give a break if you buy life insurance from them.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

A list of companies and their possible discounts are:

• Progressive includes discounts for online signing, multi-vehicle, multi-policy, homeowner, continuous coverage, and good student.
• Farmers Insurance policyholders can earn discounts including business and professional, alternative fuel, homeowner, mature driver, and switch companies.
• Farm Bureau may have discounts that include renewal discount, youthful driver, driver training, good student, multi-vehicle, multi-policy, and safe driver.
• State Farm has discounts for good student, student away at school, good driver, multiple autos, Steer Clear safe driver discount, and defensive driving training.
• Geico discounts include anti-lock brakes, emergency military deployment, daytime running lights, anti-theft, and military active duty.
• SAFECO offers discounts including drive less, teen safe driver, multi-car, accident prevention training, bundle discounts, and teen safety rewards.
• Liberty Mutual may offer discounts for preferred payment discount, safety features, new vehicle discount, exclusive group savings, multi-car, hybrid vehicle, and good student.

Before purchasing a policy, check with all companies you are considering how you can save money. All car insurance discounts might not be offered on policies in your state.

Car insurance is unique, just like you

When choosing the right insurance coverage, there really is not a perfect coverage plan. Every situation is different so this has to be addressed. For instance, these questions might help in determining if you would benefit from an agent’s advice.

• Is motorclub coverage worth it?
• Does my policy cover my teen driver if they drive my company car?
• Which is better, split liability limits or combined limits?
• Am I covered if I wreck a rental car?
• Does having multiple vehicles earn me a discount?
• Should I have a commercial auto policy?
• Why am I required to buy high-risk coverage?
• Is business equipment covered while in my vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverage breakdown

Knowing the specifics of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most auto insurance policies.

Collision insurance

This coverage covers damage to your Elantra GT caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as damaging your car on a curb, colliding with a tree, rolling your car and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability car insurance

Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things like court costs, medical expenses, structural damage and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, a tree branch falling on your vehicle and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like doctor visits, surgery and pain medications. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Final considerations

We covered many ideas to lower your 2018 Hyundai Elantra GT insurance rates. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding the cheapest insurance. Consumers could even find that the lowest rates are with some of the smallest insurance companies. Regional companies often have lower car insurance rates on specific markets compared to the large companies like Allstate or State Farm.

More affordable insurance coverage can be sourced from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best rate selection. Some insurance coverage companies may not have price quotes online and these small, regional companies prefer to sell through independent agencies.

When getting insurance quotes online, you should never reduce needed coverages to save money. In many cases, consumers will sacrifice comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. Your goal is to purchase plenty of coverage at the lowest possible cost.

Additional insurance coverage information can be found below:

• Booster Seat Ratings (iihs.org)
• How Much is Arlington Auto Insurance for a Hyundai Elantra? (ArlingtonCoverage.com)
• How Much is Columbus Auto Insurance for a Hyundai Elantra? (ColumbusCoverage.com)
• Child Safety FAQ (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Frontal Crash Tests (iihs.org)