2014 Hyundai Elantra Insurance Rates – 7 Tips for Cheaper Quotes

Looking for lower car insurance rates? Shoppers have lots of choices when shopping for the lowest priced Hyundai Elantra insurance. They can either spend hours struggling with agents trying to get quotes or save time using the internet to compare rates. There is a better way to shop for car insurance and we’ll show you the best way to compare rates on a Hyundai and locate the lowest price from local insurance agents and online providers.

Get lower-cost car insurance with discounts

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at quote time, but once in a while a discount must be specifically requested before being credited.

  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • New Car Discount – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Distant Student – College-age children living away from home attending college and leave their car at home may be able to be covered for less.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
  • Professional Memberships – Belonging to a qualifying organization may earn a discount when shopping for car insurance.
  • Passive Restraints – Factory options such as air bags or automatic seat belts can get savings of more than 20%.
  • Homeowners Pay Less – Owning a home can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.

One last thing about discounts, most credits do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

Large car insurance companies and a summarized list of policyholder discounts are outlined below.

  • State Farm offers premium reductions for student away at school, accident-free, passive restraint, multiple autos, and good driver.
  • American Family has savings for multi-vehicle, defensive driver, TimeAway discount, good student, and accident-free.
  • AAA discounts include multi-policy, pay-in-full, education and occupation, AAA membership discount, and good driver.
  • Geico offers discounts for daytime running lights, five-year accident-free, seat belt use, anti-lock brakes, military active duty, multi-policy, and good student.
  • Mercury Insurance includes discounts for age of vehicle, low natural disaster claims, annual mileage, professional/association, good driver, and good student.
  • Farmers Insurance may include discounts for pay in full, good student, mature driver, business and professional, and alternative fuel.
  • Progressive policyholders can earn discounts including continuous coverage, online signing, online quote discount, multi-policy, and multi-vehicle.

When getting free insurance quotes, it’s a good idea to every company which credits you are entitled to. Depending on the company, some discounts might not apply in your area. If you would like to choose from a list of companies that can offer you the previously mentioned discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might help in determining if your situation would benefit from professional advice.

  • Is my trailer covered?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered when driving a rental car?
  • Can I drive in Mexico and have coverage?
  • Can my teen drive my company car?
  • How do I file an SR-22 for a DUI in my state?
  • How high should deductibles be on a 2014 Hyundai Elantra?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Coverage specifics

Having a good grasp of your car insurance policy aids in choosing the best coverages for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for pain medications, EMT expenses and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, damage from getting keyed, rock chips in glass and hail damage. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Hyundai Elantra.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Collision coverage protection

This will pay to fix damage to your Elantra from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a building, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like repair costs for stationary objects, funeral expenses and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Shop smart and save

When searching for affordable insurance quotes, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, someone dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at a price you can afford.

Discount 2014 Hyundai Elantra insurance can be found from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not offer price quotes online and most of the time these small insurance companies only sell through independent agents.

People who switch companies do it for a variety of reasons including lack of trust in their agent, being labeled a high risk driver, policy non-renewal or not issuing a premium refund. Whatever your reason, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

Additional detailed information can be read in the articles below: