1997 Hyundai Elantra Insurance Rates

Searching for better insurance rates for your Hyundai Elantra? Searching for the lowest cost insurance may seem to be rather challenging for people that are not comfortable with quoting and comparison shopping online. With such a large number of companies, how are we expected to have time to compare each option to find cheaper insurance rates?

Use discounts to get cheaper insurance coverage rates

Auto insurance companies don’t always advertise all possible discounts very clearly, so below is a list both well-publicized in addition to some of the lesser obvious discounts that you may qualify for.

  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a slight reduction on a insurance coverage quote for Elantra insurance.
  • Data Collection Discounts – Drivers that enable driving data collection to analyze driving patterns by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they exhibit good driving behavior.
  • Early Signing – A few insurance companies offer discounts for signing up early. It’s a savings of about 10%.
  • Seat Belt Usage – Drivers who require all occupants to fasten their seat belts may be able to save a few bucks off the medical payments premium.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can stop better under adverse conditions and will save you 10% or more.
  • Include Life Insurance and Save – Select insurance coverage companies reward you with a small discount if you purchase a life insurance policy as well.
  • Buy New and Save – Insuring a new car can get you a discount compared to insuring an older model.
  • Smart Student Discounts – This discount can earn a discount of 20% or more. The discount lasts until age 25.
  • Defensive Driver Discount – Taking a driver safety course may get you a small discount if you qualify.
  • Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.

Just know that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works.

To locate insurance coverage companies with discount insurance coverage rates, click this link.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different.

For example, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Should I sign the liability waiver when renting a car?
  • Does liability extend to a camper or trailer?
  • Is my 1997 Hyundai Elantra covered for smoke damage?
  • Am I covered if I wreck a rental car?
  • Should I get collision insurance on every vehicle?
  • How do I insure my teen driver?
  • If I drive on a suspended license am I covered?
  • Does medical payments coverage apply to all occupants?
  • Do I need more liability coverage?
  • Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Insurance policy coverages for a Hyundai Elantra

Understanding the coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, hitting a deer, fire damage, damage from flooding and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

This coverage pays for damage to your Elantra caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like funeral expenses, structural damage, medical services, bail bonds and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Hyundai Elantra.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses like nursing services, dental work and funeral costs. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Shop around and save

The cheapest 1997 Hyundai Elantra insurance is available from both online companies and with local insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. Some car insurance companies may not provide rates over the internet and these small, regional companies prefer to sell through independent agents.

Drivers switch companies for many reasons like an unsatisfactory settlement offer, high prices, lack of trust in their agent and policy non-renewal. Regardless of your reason, finding a great new company is easier than you think.

We just covered a lot of techniques to save on 1997 Hyundai Elantra insurance. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Drivers may discover the best prices are with a lesser-known regional company.

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