View 1999 Hyundai Elantra Insurance Quotes

Cutting costs on Driversauto insurance could be hard for people who have little experience online price comparisons. With such a large number of agents and companies, it can be a chore to find the perfect company for you.

You should take the time to do price comparisons on a regular basis since insurance prices are rarely the same from one policy term to another. Just because you had the best price on Elantra coverage at your last renewal there may be better deals available now. You’ll find quite a bit of inaccurate information about auto insurance online but in this article, you’re going to get some of the best techniques to save money.

How to get free insurance quotes online

To find the best insurance rates, there are several ways to obtain and compare prices from lots of insurance companies. The recommended way to do a complete rate comparison involves getting comparison quotes online. It’s really quite simple and can be done in several different ways.

  1. The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This type of form keeps you from doing separate quotation requests for each price estimate. One form submission gets rate comparisons from several companies. This is by far the quickest method.
  2. A slightly less efficient method to obtain and compare quotes online is spending the time to visit the website for each individual company to complete their respective quote request forms. For instance, we’ll pretend you want to compare rates from Allstate, Progressive and Travelers. You would be required to spend time on each company’s site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

    For a list of companies in your area, click here.

  3. The least efficient way to compare price estimates is to waste gas driving to insurance agencies in your area. Doing it all online makes this process obsolete unless you prefer the advice and guidance that only a licensed agent can provide. You can, however, price shop online but have a local agent actually write the policy.

Take whichever approach you prefer, but compare identical coverage limits with each company. If you have different liability limits it will be very difficult to find the best deal for your Hyundai Elantra. Even a minor difference in coverages could throw off the whole comparison. And when comparison shopping, getting more free quotes increases the change that you will find lower pricing. Some smaller insurers to not give prices over the internet, so it’s important to also get prices on coverage from those companies, too.

Pay discount rates these discounts

Companies that sell car insurance do not list all disounts in an easy-to-find place, so the following is a list of a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Senior Discount – If you’re over the age of 55, you can get a small decrease in premiums on Elantra coverage.
  • Driver’s Ed – It’s a good idea to have your young drivers sucessfully take a drivers education course in school or through a local driver safety program.
  • Good Driver Discount – Drivers who avoid accidents could pay up to 40% less on Elantra coverage compared to accident prone drivers.
  • College Student Discount – Children who live away from home at college and leave their car at home could get you a discount.
  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts can qualify for discounts of 25 to 30%.
  • Savings for New Vehicles – Adding a new car to your policy can cost up to 25% less due to better safety requirements for newer vehicles.
  • Multiple Policy Discount – When you have multiple policies with the same company they may give you a discount of approximately 10% to 15%.
  • Defensive Driver Discounts – Participating in a class that teaches defensive driver techniques could earn you a small percentage discount and also improve your driving technique.

Don’t be surprised that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business. Any amount of discount will lower your premiums.

To locate insurers that offer multiple discounts, follow this link.

Smart consumers can save money

Lots of factors are used when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but other factors are not quite as obvious such as your credit history or how safe your car is.

  • Insurance rates for married couples – Having a wife or husband may earn you lower rates on your policy. Having a significant other may mean you are more mature and insurance companies like that married drivers tend to file fewer claims.
  • Insurance policy lapses increase insurance rates – Driving with no insurance is a misdemeanor and companies may charge more for letting your coverage have a gap. In addition to paying higher premiums, the inability to provide proof of insurance could earn you a steep fine or even jail time.
  • Liability coverage preserves assets – A critical coverage on your policy, liability insurance provides coverage if you are determined to be liable for causing personal injury or damage in an accident. This coverage provides for a legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Safer vehicles cost less to insure – Safer cars cost less to insure. Vehicles engineered for safety protect occupants better and reduced instances of injuries means your insurance company pays less which can result in lower premiums.
  • Your career may increase prices – Careers like military personnelair traffic controllers and financial analysts tend to pay the highest rates due to intense work requirements and lengthy work days. On the flip side, occupations like actors, students and retirees receive lower rates on Elantra coverage.
  • Rates can drop if you have more than one policy – Most major insurance companies afford lower prices to customers who carry more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to shop around to guarantee you are still saving the most. You may still be able to find lower rates by buying from different companies

Special considerations

When it comes to choosing coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions might point out whether you might need professional guidance.

  • Should I bundle my homeowners policy with my auto?
  • Does my 1999 Hyundai Elantra need full coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Is my Hyundai Elantra covered if I use it for business?
  • Can I afford low physical damage deductibles?
  • When should I remove comp and collision on my 1999 Hyundai Elantra?

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

Insurance coverage options for a 1999 Hyundai Elantra

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, a tree branch falling on your vehicle, damage from getting keyed, theft and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include 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 liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Insurance for medical payments – Med pay and PIP coverage provide coverage for expenses such as chiropractic care, EMT expenses, doctor visits and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverages – This pays for damage to your Elantra resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Coverage for liability – Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like structural damage, funeral expenses and emergency aid. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Buy online or local, you save

When trying to cut insurance costs, do not reduce needed coverages to save money. In too many instances, an insured dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Cheaper 1999 Hyundai Elantra insurance can be found online and from local insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not offer the ability to get a quote online and these smaller providers only sell through independent agencies.

Insureds switch companies for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, denial of a claim and even policy cancellation. No matter why you want to switch, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

Additional information