View 1999 Hyundai Elantra Insurance Quotes

Looking for the cheapest insurance coverage rates? Shoppers have many options when shopping for the lowest priced Hyundai Elantra insurance. They can either spend hours calling around getting price quotes or utilize the internet to make rate comparisons. There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the proper way to price shop coverage for a new or used Hyundai and obtain the lowest price.

Smart consumers take time to shop coverage around periodically because insurance rates trend upward over time. Despite the fact that you may have had the best rates on Elantra insurance two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out how to use online quotes to lower your rates without sacrificing coverage.

Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Vehicle owners just need to understand the best way to compare prices online.

The best way we recommend to compare car insurance rates is to realize all the major auto insurance companies participate in online systems to provide you with a free rate quote. All you need to do is give them some information including the type of vehicles you drive, how much education you have, whether your vehicle is owned or leased, and how old drivers are. Those rating factors gets sent immediately to many of the top insurers and you will receive price estimates almost instantly.

Do you qualify for a discount?

Companies don’t always advertise all available discounts very well, so we took the time to find some of the more common and also the lesser-known insurance savings. If you don’t get every credit you qualify for, you are throwing money away.

  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.

It’s important to note that most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

Companies that may have these discounts are:

Double check with all companies you are considering which discounts they offer. Savings might not be offered in your area.

Hyundai Elantra insurance premiums are calculated by many factors

An important part of buying insurance is that you know the rating factors that play a part in calculating insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with big savings.

Shown below are a partial list of the pieces that factor into rates.

  • Older drivers save more – Youthful drivers are known to be more careless when driving so insurance rates are higher. If you’ve ever had to add a teenage driver onto your insurance can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
  • Add-on coverages can add up – There are a lot of add-on coverages you can purchase when buying insurance. Coverages like rental car reimbursement, better glass coverage and additional equipment coverage may be wasting your money. They may seem good when talking to your agent, but now you might not need them so get rid of them and save.
  • How many coverages with the same company – Most insurers provide better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even with this discount, you still need to shop around to ensure the best deal. You may still be able to find a better deal by splitting coverages up.
  • Better crash test results mean better rates – Cars with high safety ratings get lower rates. The safest vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Hyundai Elantra earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • How credit affects insurance rates – A driver’s credit score is a large factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could be paying less to insure your 1999 Hyundai Elantra by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Allowing your policy to lapse raises rates – Having an insurance coverage lapse is a guaranteed way to trigger a rate increase. And not only will your rates increase, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.You may then be required to file a SR-22 with your state DMV.
  • Drive less and save money – The more you drive each year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your insurance policy properly reflects the correct driver usage. Incorrect usage on your Elantra may be costing you.
  • Frequent insurance claims increase rates – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies award discounts to drivers who are claim-free. Auto insurance is meant to be used in the event of the large, substantial claims.

What coverages do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

For example, these questions might point out if your situation may require specific advice.

  • Which companies will insure high-risk drivers?
  • Do I need to file an SR-22 for a DUI in my state?
  • Will filing a claim cost me more?
  • Will my rates increase for filing one claim?
  • Is my 1999 Hyundai Elantra covered for flood damage?
  • Do I have coverage if my license is suspended?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does car insurance cover theft of personal property?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Drivers who switch save $448 a year? Really?

Drivers can’t ignore all the ads for cheaper car insurance by companies like Allstate, Geico and Progressive. They all seem to have a common claim that you can save after switching to them.

How do they all say the same thing? This is how they do it.

Insurance companies have a certain “appetite” for the driver they prefer to insure. A good example of a driver they prefer could be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. Any driver who fits that profile will get the preferred rates and most likely will cut their rates substantially.

Consumers who don’t qualify for this ideal profile will have to pay a more expensive rate which leads to business not being written. The ads state “people who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can advertise the way they do. Because of the profiling, drivers should get quotes from several different companies. It’s not possible to predict the company that will fit your personal profile best.

Insurance coverage options for a Hyundai Elantra

Having a good grasp of insurance can be of help when determining appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 1999 Hyundai Elantra.

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 very important.

Collision – This coverage pays for damage to your Elantra caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, scraping a guard rail, colliding with a tree, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like prosthetic devices, EMT expenses and chiropractic care. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability – This will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as bail bonds, pain and suffering, medical services, legal defense fees and attorney fees. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This covers 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 pays for claims like theft, damage from a tornado or hurricane and hitting a bird. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

In conclusion

You just read many ways to lower your 1999 Hyundai Elantra insurance rates. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the most savings is with a small local company.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

People who switch companies do it for many reasons like extreme rates for teen drivers, unfair underwriting practices, policy non-renewal or even an unsatisfactory settlement offer. No matter why you want to switch, finding a new auto insurance company is actually quite simple.

Even more information can be read by following these links: