1994 Hyundai Elantra Insurance Quotes – 8 Discounts for Cheapest Rates

Trying to find lower insurance coverage rates for your Hyundai Elantra? Are you kicking yourself for buying an expensive insurance coverage policy? Believe me when I say many drivers feel the same as you. Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a company to get the best rate

If you are insured now or need a new policy, you can use these tips to reduce the price you pay while maximizing coverage. Finding the best rates is quite easy. Consumers just need to know the best way to get comparison rates online.

Which car insurance is cheapest?

Effectively comparing car insurance prices can take hours if you don’t utilize the most efficient way to do it. You can waste hours talking about coverages with insurance agencies in your area, or you could use online quotes to maximize your effort.

Most car insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company then returns a price quote based on that data. This eliminates the need for form submissions for each company you want a rate for.

To compare rates now click to open in new window.

The only downside to doing it this way is buyers cannot specifically choose which companies to receive prices from. So if you prefer to pick specific providers to receive pricing from, we have assembled a list of low cost car insurance companies in your area. Click to view list.

Take whichever approach you prefer, but make absolute certain that you use identical coverage limits and deductibles for each quote you get. If you are comparing different coverage information it will be nearly impossible to decipher which rate is best.

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More discounts mean lower-cost premiums

Some insurance providers don’t always advertise all available discounts in an easy-to-find place, so the list below details a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online.

• Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if it’s offered in school.
• Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
• Telematics Data Discounts – Drivers that enable companies to scrutinize driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they have good driving habits.
• Multiple Cars – Insuring more than one vehicle on one policy can get a discount on all vehicles.
• Drive Less and Save – Driving fewer miles could earn slightly better rates than normal.
• Accident-Free Discounts – Insureds with no claims or accidents pay much less as compared to accident-prone drivers.
• Waiver for an Accident – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident before your rates go up with the catch being you have to be claim-free for a certain period of time.

Just know that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

Larger auto insurance companies and a selection of discounts can be found below.

• State Farm offers discounts including safe vehicle, multiple policy, good driver, good student, passive restraint, and Drive Safe & Save.
• Nationwide may include discounts for business or organization, defensive driving, anti-theft, family plan, easy pay, and Farm Bureau membership.
• Geico has savings for membership and employees, good student, driver training, defensive driver, daytime running lights, and air bags.
• AAA discounts include good student, good driver, anti-theft, AAA membership discount, education and occupation, and multi-policy.
• 21st Century includes discounts for 55 and older, good student, anti-lock brakes, homeowners, early bird, and automatic seat belts.
• The Hartford policyholders can earn discounts including vehicle fuel type, defensive driver, driver training, anti-theft, good student, and bundle.

If you need inexpensive car insurance quotes, ask every insurance company which credits you are entitled to. Some of the discounts discussed earlier may not apply everywhere. To see a list of insurers that offer discounts, click here.

It’s not one size fits all

When it comes to buying the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions might help in determining whether you might need an agent’s assistance.

• Is my vehicle covered by my employer’s policy when using it for work?
• Is my teenager covered with friends in the car?
• Do I have coverage if my license is suspended?
• Is my trailer covered?
• Why am I required to get a high-risk car insurance policy?
• When should I not file a claim?
• Am I covered when using my vehicle for business?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance 101

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Collision coverages – Collision insurance will pay to fix damage to your Elantra resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, colliding with a tree, scraping a guard rail, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance – This coverage can cover injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things like medical expenses, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision) – This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, hail damage and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses for things like X-ray expenses, chiropractic care, dental work, ambulance fees and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

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Don’t be a big spender

Cheaper insurance can be purchased online in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. A few companies may not offer online price quotes and most of the time these smaller companies sell through independent agencies.

We’ve covered a lot of information how to lower your 1994 Hyundai Elantra insurance rates. The key thing to remember is the more times you quote, the better your chances of lowering your car insurance rates. You may be surprised to find that the lowest rates come from an unexpected company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and Geico.

As you quote car insurance, never buy less coverage just to save a little money. There have been many cases where an insured dropped physical damage coverage only to regret at claim time that it was a big error on their part. The ultimate goal is to buy enough coverage at the best price, but do not sacrifice coverage to save money.

Additional information can be found on the following sites:

• Property Damage Coverage (Liberty Mutual)
• Insurance Losses by Make and Model (iihs.org)
• Shopping for a Safe Car (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)

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