View 2007 Hyundai Elantra Insurance Quotes

Want the cheapest insurance rates for your Hyundai Elantra? Are you irritated from trying to scrape together enough money to pay high insurance rates every month? You are no different than many other consumers. Many car insurance companies vie for your hard-earned dollar, so it can be very hard to choose a provider to find the best rates possible.

Compare auto insurance rates

Cutting your auto insurance rates is surprisingly easy. The only thing you need to do is take the time comparing rates from online providers. This can be done by using one of the methods below.

  1. One of the simplest ways to find low rates is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing a different quote for each price estimate. Filling out one form will get you price quotes from many national carriers.
  2. Another way to find better pricing is going to the website for every company you want to comare and go through the quote process again. For instance, let’s assume you want rates from Farmers, Geico and American Family. In order to compare rates, you need to go to every website and repeatedly type in your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just try to keep identical coverages and limits for each price quote. If you have different data it’s impossible to get a fair rate comparison.

Save a ton by taking advantage of discounts

Insuring your vehicles can cost a lot, but companies offer discounts to help bring down the price. Some trigger automatically when you quote, but occassionally some discounts must be requested specifically before you will receive the discount.

  • Own a Home and Save – Just being a homeowner can save you money since home ownership shows financial diligence.
  • Discount for New Cars – Putting coverage on a new car can be considerably cheaper since newer vehicles have better safety ratings.
  • Multiple Cars – Having multiple cars on one policy can get a discount for every vehicle.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 15% on the premium charged for medical payments and/or PIP.
  • Mature Driver Discount – If you’re over the age of 55, you are able to get a discount up to 10% for Elantra coverage.
  • Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts may get savings of 20 to 30 percent.

Remember that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A list of insurance coverage companies and their offered discounts are outlined below.

  • Geico may offer discounts for air bags, daytime running lights, military active duty, multi-vehicle, and anti-lock brakes.
  • Travelers offers discounts including early quote, good student, home ownership, payment discounts, and multi-car.
  • Farm Bureau offers premium reductions for youthful driver, safe driver, driver training, good student, multi-policy, and multi-vehicle.
  • Liberty Mutual has discounts for teen driver discount, multi-car, newly married, newly retired, new vehicle discount, and new move discount.
  • American Family may include discounts for accident-free, good driver, defensive driver, air bags, TimeAway discount, and multi-vehicle.
  • Progressive policyholders can earn discounts including multi-policy, multi-vehicle, continuous coverage, good student, and online quote discount.

When comparing rates, check with all companies you are considering what discounts are available to you. All car insurance discounts may not be offered in your area. If you would like to see a list of insurance coverage companies that offer the discounts shown above, click here.

Informed consumers save more

A large part of saving on insurance is knowing some of the things that come into play when calculating the rates you pay for insurance. When you understand what positively or negatively impacts your premiums, this enables informed choices that could result in much lower annual insurance costs.

The itemized list below are some of the major factors utilized by car insurance companies to help set your rates.

  • Pay more by driving carelessly – Having a clean driving record has a lot to do with how much you pay for insurance. Having just one driving citation can increase the cost of insurance by twenty percent. Attentive drivers get better prices as compared to careless drivers. Drivers unfortunate enough to have severe tickets like reckless driving or DUI may need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent a license revocation.
  • Save money by having good credit – Credit history factor in calculating your insurance rates. People that have very good credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit scores. If your credit history is not that good, you may save money insuring your 2007 Hyundai Elantra if you improve your credit rating.
  • Lower stress equals lower prices – Occupational choices like military personnelairline pilots and medical professionals have higher premiums than the average policyholder because of intense work situations and lengthy work days. Conversely, careers such as farmers, athletes and the unemployed receive lower rates for Elantra coverage.
  • Cheaper premiums using alarms and GPS tracking – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping vehicle theft.

How much auto insurance do I need?

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether or not you might need professional guidance.

  • Do all my vehicles need collision coverage?
  • When can my company non-renew my policy?
  • What if I don’t agree with a claim settlement offer?
  • Is upholstery damage covered by car insurance?
  • Do I really need UM/UIM coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Will you really save $395 on insurance coverage?

Drivers get pounded daily by advertisements that promise big savings by companies like State Farm and Allstate. They all try to convey promises that drivers will save a bundle just by switching your insurance coverage policy to them.

How is it plausible that every one can give you a better price? This is the trick they use.

Companies provide the lowest rates for the right customer that will generate a profit. One example of this type of risk profile may need to be over the age of 35, carries high limits, and has great credit. A customer that hits that “sweet spot” will probably get the lowest car insurance rates and will save a lot of money.

Potential customers who are not a match for the “perfect” profile will be charged higher premium rates and this can result in business going elsewhere. The trick is to say “drivers that switch” not “everyone that quotes” save that kind of money. That is how insurance companies can make the claims of big savings.

Because every company is different, you need to compare as many free car insurance quotes as you can. It is impossible to predict which insurance companies will give you the biggest savings.

Car insurance coverage breakdown

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most car insurance policies.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as X-ray expenses, funeral costs, hospital visits and nursing services. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – This coverage will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like court costs, funeral expenses, legal defense fees and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, hail damage, fire damage, hitting a bird and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage covers damage to your Elantra caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Hyundai Elantra.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Be Smart and Buy Smart

We just showed you a lot of techniques to compare 2007 Hyundai Elantra insurance rates online. The key thing to remember is the more companies you get car insurance rates for, the higher your chance of finding cheaper car insurance. You may even find the lowest priced auto insurance comes from a lesser-known regional company. Regional companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm or Progressive.

Cheap 2007 Hyundai Elantra insurance is possible both online in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not have the ability to get a quote online and these smaller providers only sell coverage through independent agencies.

More detailed auto insurance information is available at these sites: