Save on 2011 Hyundai Elantra Touring Insurance Rates

Trying to find better insurance rates for your Hyundai Elantra Touring? Scraping up a payment for high-priced Hyundai Elantra Touring insurance can stress out your bank account and put a big crunch on your finances. Shopping your coverage around can lower your rates and help to lower your monthly bill.

Lots of insurers contend for your business, so it’s not easy to compare every insurer and get the definite lowest rate

Lower rate quotes by taking advantage of discounts

Car insurance is not cheap nor is it fun to buy but there are discounts available to help offset the cost. Many of these discounts will be applied automatically at the time of quoting, but some need to be asked about before they will apply.

  • Telematics Discount – People who choose to allow data collection to look at driving manner remotely such as Progressive’s Snapshot may get a rate reduction if their driving habits are good.
  • Distant Student – Any of your kids who live away from home to go to college and leave their car at home could get you a discount.
  • Save over 55 – If you’re over the age of 55, you are able to get a discount up to 10% on Elantra Touring insurance.
  • Accident Forgiveness – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm permit an accident before raising your premiums so long as you are claim-free for a set time period.
  • Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and will save you 10% or more.
  • Low Miles Discount – Low mileage vehicles may enable drivers to earn better car insurancerates on cars that stay parked.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.
  • Professional Memberships – Having an affiliation with a professional or civic organization can get you a small discount on your next car insurance statement.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Savings for New Vehicles – Buying a new car model is cheaper because newer vehicles are generally safer.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will help reduce the cost of your policy.

Companies who might offer these benefits include:

When getting a coverage quote, ask every insurance company what discounts are available to you. Discounts might not be offered in your area. To see insurers that offer the discounts shown above, click here to view.

How to get insurance quotes

The are a couple different ways to compare rate quotes from different insurance companies. One of the best ways to comparison shop consists of shopping online. This can be done in a couple of different ways.

  1. The most efficient way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating boring form submissions to each individual insurance company. One quote request gets insurance cost estimates direct from many companies.
  2. A slightly less efficient method to compare rate quotes consists of visiting each individual company website and get a separate price quote. For sake of this example, let’s assume you are doing a rate comparison from Farmers, Geico and Liberty Mutual. You would have to go to each individual site and repeatedly type in your coverage information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. Even if you have time, the least recommended method to find and compare rates is to spend your day driving to different agent offices. Doing it all online eliminates the need for an insurance agent unless you’re the type of person who wants the trained advice only provided by licensed agents. If you prefer, some companies allow you to price shop your coverage online but have your policy serviced through an agent.

It’s up to you how you get prices quotes, just try to use the same coverage limits and deductibles for every quote you compare. If each company quotes higher or lower deductibles it will be very difficult to make an equal comparison. Slightly different coverages can make a big difference in price. Just remember that comparing a wide range of rates helps increase your odds of locating lower pricing. Some smaller insurers to not give rate quotes online, so it’s necessary to compare price estimates from those companies as well.

Quote Hyundai Elantra Touring insurance at a discount

Lots of things are part of the equation when premium rates are determined. Most are fairly basic such as your driving history, but other factors are less apparent such as whether you are married or your vehicle rating.

  • Buy a safe car and pay less – Cars with high safety ratings get lower rates. Highly rated vehicles protect occupants better and lower injury rates means lower claim amounts which can result in lower premiums. If the Hyundai Elantra Touring has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Deter theft and pay less – Selecting a car model that has an advanced theft prevention system can get you a discount on your car insurance. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • More traffic means higher claims – Having an address in less populated areas of the country is a positive aspect if you are looking for the lowest rates. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims. Urban drivers have traffic congestion and more severe claims. Longer commute distances means more chance of being in an accident.
  • Get cheaper premiums after the wedding – Having a wife or husband helps lower the price on your policy. Marriage means you’re more responsible and insurance companies like that drivers who are married are more cautious.
  • Where do you drive? – The higher the mileage driven every year the higher the price you pay to insure it. Almost all companies apply a rate based upon how you use the vehicle. Autos that do not get driven very much receive better premium rates than cars that get driven a lot. Ask your agent if your car insurance policy reflects the correct usage, because improper ratings can cost you money. An incorrectly rated Elantra Touring can cost quite a bit.
  • Amount of liability insurance – Liability insurance provides coverage if you are found liable for causing damage or personal injury in an accident. This coverage provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.

How much auto insurance do I need?

When choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. For instance, these questions can aid in determining whether you would benefit from professional advice.

  • Is a fancy paint job covered?
  • Can I make deliveries for my home business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How much underlying liability do I need for an umbrella policy?
  • Does my insurance cover my expensive audio equipment?
  • Are my friends covered when driving my 2011 Hyundai Elantra Touring?
  • Should I get collision insurance on every vehicle?
  • How does medical payments coverage work?
  • Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Insurance coverage considerations

Knowing the specifics of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. These are typical coverages available from insurance companies.

Liability auto insurance

This coverage can cover damage that occurs to a person or their property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see 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 a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like legal defense fees, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for chiropractic care, EMT expenses and nursing services. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Hyundai Elantra Touring.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage protection

This covers damage to your Elantra Touring resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from 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 things such as damage from a tornado or hurricane, hail damage, falling objects and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Feed the piggy bank

We just covered a lot of techniques to get a better price on 2011 Hyundai Elantra Touring insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding affordable car insurance. Consumers could even find that the lowest priced insurance comes from the smaller companies. Smaller companies may cover specific market segments cheaper compared to the large companies like Progressive and Geico.

There are still a few companies who may not offer the ability to get quotes online and usually these small, regional companies prefer to sell through local independent agents. Discount 2011 Hyundai Elantra Touring insurance is attainable from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture.

Additional information is available at the links below