1996 Hyundai Elantra Car Insurance Quotes

Having to pay for overpriced Hyundai Elantra insurance can take a big chunk out of your checking account and put a big crunch on your finances. Doing a price comparison is a smart way to lower your monthly bill.

Multiple insurers compete for your insurance dollar, so it can be very hard to choose a company and get the definite lowest rate

If you currently have car insurance, you will most likely be able to save some money using these methods. Finding the best rates is easy if you know what you’re doing. Nevertheless, drivers need to have an understanding of how insurance companies price online insurance and apply this information to your search.

Discounts are basically free money

The price of auto insurance can be rather high, but there are discounts available that many people don’t even know exist. Some discounts apply automatically when you purchase, but a few need to be specifically requested before they will apply.

  • Good Student – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Resident Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Club Memberships – Being a member of certain professional organizations could trigger savings on your policy for Elantra insurance.
  • Accident Waiver – Certain companies allow you one accident before your rates go up if you are claim-free for a certain period of time.
  • Early Switch Discount – Some companies give discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount for Elantra insurance depending on your company.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will cut your premiums.

Companies that may have these benefits are:

Before buying, ask each company which discounts you may be entitled to. All car insurance discounts may not be available everywhere.

Vehicle Insurance Comparison

Effectively comparing insurance prices can be exhausting if you don’t know the fastest way to get free quotes. You can spend countless hours driving to insurance agencies in your area, or you can utilize online quotes to get pricing more quickly.

Many companies are enrolled in a marketplace that enables customers to send in one quote, and every company can give them a price based on that information. This system prevents you from having to do repetitive form submissions for each company you want a rate for. To find out how much you can save on insurance click here to open in new window.

The one disadvantage to pricing coverage this way is you are unable to specify which companies you will receive quotes from. If you prefer to choose individual companies for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, compare the exact same deductibles and coverage limits on every quote. If your comparisons have mixed coverages it will be very difficult to find the best deal for your Hyundai Elantra. Having just a slight variation in coverage limits can result in a big premium difference. And when comparison shopping, obtaining a wide range of quotes will improve the odds of getting better pricing.

Factors that might impact rates for a Hyundai Elantra

An important part of buying insurance is that you know the factors that go into determining insurance coverage rates. Understanding what controls the rates you pay helps enable you to make changes that may reward you with big savings.

  • Being married can save on insurance coverage – Being married can get you a discount when buying insurance coverage. Having a significant other is viewed as being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • How credit affects insurance coverage rates – A driver’s credit score is a big factor in calculating your insurance coverage rates. If your credit score is lower than you’d like, you could be paying less to insure your 1996 Hyundai Elantra by improving your rating. People with good credit tend to be more responsible than those with poor credit.
  • Poor driving leads to higher costs – Your driving citation history impacts your car insurance rates tremendously. Just one citation can bump up the cost forty percent or more. Drivers who don’t get tickets get better rates than their less careful counterparts. Drivers who have dangerous citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Do you need those extra coverages? – There are a ton of add-on coverages that can waste your money when buying insurance coverage. Things like personal injury protection, accident forgiveness and term life insurance may be costing you every month. These coverages may sound good initially, but if they’re wasting money remove them from your policy.
  • Choose a safe vehicle and save – Safer cars can get you lower premiums. The safest vehicles protect occupants better and fewer injuries means lower claim amounts and more competitive rates for policyholders. If the Hyundai Elantra scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Rates may be higher depending on your occupation – Occupations like judges, executives and stock brokers tend to pay the highest rates due to high stress and lengthy work days. On the other hand, professions such as farmers, students and retirees have the lowest average rates for Elantra insurance.

Which insurance is the “right” coverage?

When choosing coverage, there really is not a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions might point out whether or not you will benefit from professional help.

  • Can I rent a car in Mexico?
  • If my 1996 Hyundai Elantra is totaled, can I afford another vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can my babysitter drive my car?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered when pulling a rental trailer?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Save $431 a year? Really?

Car insurance companies such as State Farm, Allstate and Geico constantly bombard you with ads on television and other media. They all seem to say the same thing that you’ll save big if you switch your policy. But how can every company say the same thing? This is how they do it.

Insurance companies have a preferred profile for the type of driver they prefer to insure. A good example of a driver they prefer could be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” receives the best rates and therefore will save a lot of money.

Potential customers who do not match the “perfect” profile will have to pay higher rates and this can result in business not being written. The ads say “customers who switch” not “everybody who quotes” save that kind of money. This is how companies can state the savings.

Because of the profiling, it is so important to compare many company’s rates. Because you never know the company that will have the lowest Hyundai Elantra insurance rates.

Information about specific coverages

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Coverage for collisions

This will pay to fix damage to your Elantra caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, crashing into a building, hitting a parking meter, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Liability coverage

This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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 commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as funeral expenses, attorney fees, court costs, legal defense fees and loss of income. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses for prosthetic devices, funeral costs and surgery. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

More choices the merrier

Low-cost 1996 Hyundai Elantra insurance is possible both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

When shopping online for auto insurance, you should never skimp on critical coverages to save a buck or two. In too many instances, an insured dropped comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your goal should be to buy enough coverage at an affordable rate while still protecting your assets.

More tips and info about auto insurance can be found at these sites: