Lower Your 1998 Hyundai Elantra Car Insurance Quotes

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Trust us when we tell you you’re not the only one.

Insurance companies such as State Farm, Allstate, Geico and Progressive continually bombard you with TV and radio ads and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

How to Compare Insurance Costs

Most companies such as State Farm, Allstate and Geico quote pricing directly from their websites. Getting online rates is quite simple as you just type in your personal and coverage information as requested by the quote form. After the form is submitted, their system obtains your driving record and credit report and provides a quote based on these factors. Quoting online simplifies rate comparisons, but having to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to perform this step if you are searching for the lowest insurance rates.

There is a better way!

A more efficient way to find better insurance pricing uses one form to get prices from many companies. This type of form saves time, requires much less work on your part, and makes online shopping a little more enjoyable. As soon as the form is sent, your coverage is rated and you can select any one of the quote results. If a lower price is quoted, you can simply submit the application and purchase the new policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To quickly find out how much you’re overpaying now, click here to open in new window and enter your information. If you have coverage now, it’s recommended that you enter deductibles and limits identical to your current policy. Doing this guarantees you will be getting comparison quotes based on similar coverages.

Discounts are basically free money

Auto insurance companies don’t always advertise every discount very clearly, so we break down some of the best known as well as the least known savings tricks you should be using.

Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
Low Mileage – Driving fewer miles could qualify for a substantially lower rate.
Organization Discounts – Affiliation with a civic or occupational organization is a good way to get lower rates on your policy for Elantra coverage.
Good Student – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you could get a free auto insurance policy, it just doesn’t work that way.

Insurance companies that possibly offer these discounts may include but are not limited to:

Double check with each company which discounts you may be entitled to. Some discounts might not be offered everywhere.

Which insurance is the “right” coverage?

When choosing the best insurance coverage coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique so your insurance should reflect that For example, these questions might point out if your situation would benefit from professional advice.

How many claims can I have before being cancelled?
How high should my uninsured/underinsured coverage be in my state?
Are split liability limits better than a combined single limit?
Who is covered by my policy?
Should I drop comprehensive coverage on older vehicles?
Is extra glass coverage worth it?
Why is insurance for a teen driver so high?
Does liability extend to a camper or trailer?
Can my teen drive my company car?
Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Learn about car insurance coverages for a 1998 Hyundai Elantra

Understanding the coverages of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average car insurance policy.

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, theft, a tree branch falling on your vehicle, hitting a deer and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like funeral costs, nursing services and prosthetic devices. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Hyundai Elantra.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverages

This coverage can cover damage that occurs to other people or property. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers things like structural damage, medical services and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision insurance pays for damage to your Elantra resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, sideswiping another vehicle, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.