View 2015 Hyundai Elantra Insurance Rates

Want lower auto insurance rates for your Hyundai Elantra? Are you kicking yourself for buying an underperforming, overpriced auto insurance policy? Don’t sweat it because many consumers are in the same pinch. There is such a variety of car insurance companies to buy insurance from, and although it’s nice to be able to choose, it can be more challenging to get the best deal.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you should be able to save some money using this information. Vehicle owners just need to learn the tricks to get comparison quotes online.

Compare quotes for insurance coverage

There are a variety of methods to compare insurance coverage prices but one way is easier and takes less work. You could spend your day driving to insurance companies in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Many companies enroll in a system where insurance shoppers complete one form, and at least one company returns a rated price determined by their information. This prevents consumers from doing quote forms to each company.

To participate in this free quote system, click here to start a free quote.

The single downside to pricing coverage this way is that you can’t choose which carriers you will receive quotes from. If you wish to select specific providers to compare prices, we have a listing of companies who write insurance coverage in your area. View list of insurance companies.

Whichever way you choose to compare rates, be sure to compare apples-to-apples quote data with each company. If you are comparing different deductibles it will be nearly impossible to determine the lowest rate for your Hyundai Elantra.

Don’t overlook these insurance discounts

Companies that sell car insurance don’t always list all possible discounts in an easy-to-find place, so the list below contains a few of the more common and the more hidden discounts you could be receiving when you buy car insurance online.

• Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.
• Discount for New Cars – Buying a new car model can get you a discount compared to insuring an older model.
• Distant Student Discount – Older children living away from home attending college and do not have a car may be insured at a cheaper rate.
• Air Bags and Passive Restraints – Options like air bags or motorized seat belts may earn rate discounts up to 30%.
• Early Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
• Federal Employees – Federal government employees may qualify for a discount when you quote car insurance for Elantra coverage with some insurance companies.
• Safe Driver Discounts – Drivers who don’t get into accidents could pay up to 40% less for Elantra coverage than drivers with accident claims.
• Telematics Devices – Drivers who elect to allow data collection to look at driving habits by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks if they show good driving skills.

Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, that’s just not realistic.

Large insurance companies and a partial list of their discounts are:

• State Farm has discounts for safe vehicle, multiple policy, passive restraint, multiple autos, and good driver.
• Farmers Insurance includes discounts for teen driver, early shopping, youthful driver, switch companies, pay in full, mature driver, and business and professional.
• Geico may include discounts for five-year accident-free, membership and employees, anti-theft, defensive driver, multi-vehicle, multi-policy, and emergency military deployment.
• American Family may have discounts that include Steer into Savings, accident-free, good driver, TimeAway discount, and good student.
• Nationwide offers discounts for good student, defensive driving, accident-free, easy pay, anti-theft, multi-policy, and Farm Bureau membership.
• Progressive offers discounts including homeowner, multi-vehicle, online quote discount, online signing, continuous coverage, and multi-policy.

If you need affordable car insurance quotes, ask all the companies which discounts you may be entitled to. Discounts may not apply in your area. To locate insurance companies with significant discounts, click here to view.

When to get professional advice

When it comes to choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can help discover whether or not you will benefit from professional help.

• What happens if I owe more than my 2015 Hyundai Elantra is worth?
• Should I buy more coverage than the required minimum liability coverage?
• What is the rate difference between pleasure use and commuting?
• Am I covered when driving someone else’s vehicle?
• At what point should I drop full coverage?
• What is the ISO rating for a 2015 Hyundai Elantra?
• Do I pay less if my vehicle is kept in my garage?
• When does my teenage driver need to be added to my policy?
• Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

The coverage is in the details

Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle, damage from flooding and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as doctor visits, dental work and surgery. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

Liability coverage will cover damage or injury you incur to other’s property or people in an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like funeral expenses, attorney fees, pain and suffering, medical expenses and emergency aid. How much coverage you buy is a personal decision, but buy higher limits if possible.

Collision protection

Collision coverage covers damage to your Elantra resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, sideswiping another vehicle, crashing into a building, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Hyundai Elantra.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.