Save on 2014 Hyundai Elantra Insurance Rates

Drivers have options when trying to find low-cost Hyundai Elantra insurance. You can either spend your time driving around trying to get quotes or leverage the internet to compare rates. There are more efficient ways to find car insurance online and you need to know the absolute fastest way to compare rates on a Hyundai and get the lowest possible price from both online companies and local agents.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. Consumers just need to learn the proper methods to compare price quotes online.

How much can you save with discounts?

Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so we researched both the well known as well as the least known ways to save on car insurance. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Memberships – Affiliation with certain professional organizations could qualify you for a break when shopping for car insurance on Elantra coverage.
  • No Claims – Claim-free drivers pay much less compared to bad drivers.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Elantra coverage with certain companies.
  • Sign Online – A few companies may give you up to $50 for buying a policy and signing up over the internet.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way.

A partial list of companies who might offer these benefits may include but are not limited to:

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

How to Compare Insurance Coverage Quotes

There are a variety of methods to shop for 2014 Hyundai Elantra insurance coverage, but some are more efficient than others. You could waste a few hours talking to insurance agencies in your area, or you can stay home and use the internet to get prices fast.

Many popular insurance companies participate in an industry program that enables customers to only type in their quote data once, and each participating company then gives them pricing. This system prevents you from having to do repetitive form submissions to every company.

To compare 2014 Hyundai Elantra rates now click here to open in new window.

The only downside to doing it this way is that you can’t choose which providers to get pricing from. So if you want to choose specific providers to request quotes from, we have assembled a list of companies who write insurance coverage in your area. Click here to view list.

It’s your choice how you get your quotes, but make sure you use exactly the same coverages and limits for each comparison quote. If you use higher or lower deductibles it will be next to impossible to truly determine the lowest rate.

How much car insurance do I need?

When choosing the best insurance coverage coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different.

For example, these questions could help you determine if you might need professional guidance.

  • When can my company non-renew my policy?
  • Does having multiple vehicles earn me a discount?
  • When should my teen driver be added to my policy?
  • Which is better, split liability limits or combined limits?
  • Does coverage extend to my business vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I have a commercial auto policy?
  • Am I covered if hit by an uninsured driver?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Parts of your insurance policy

Learning about specific coverages of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Medical costs insurance – Med pay and PIP coverage pay for immediate expenses such as hospital visits, doctor visits, nursing services and EMT expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability car insurance – This coverage protects you from injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as structural damage, medical expenses, medical services, attorney fees and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, hail damage, a tree branch falling on your vehicle and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Buy online or local, you save

People switch companies for any number of reasons including questionable increases in premium, an unsatisfactory settlement offer, not issuing a premium refund or being labeled a high risk driver. Regardless of your reason, finding the right auto insurance provider can be pretty painless.

Throughout this article, we presented quite a bit of information on how to shop for 2014 Hyundai Elantra insurance online. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the lowest priced auto insurance comes from a lesser-known regional company.

Affordable insurance can be purchased both online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Even more information is located in these articles: