Cheap 1995 Hyundai Elantra Insurance Quotes

Searching for cheaper insurance for your Hyundai Elantra could be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a new or used Hyundai and find the lowest possible price.

It’s a good habit to take a look at other company’s rates at least once a year because prices fluctuate regularly. Just because you found the best quotes for Elantra insurance a year ago there may be better deals available now. You’ll find a ton of advice on car insurance online but in a few minutes you can learn some of the best ways to buy car insurance cheaper.

Locating the cheapest coverage is simple if you know the tricks. If you have a policy now or are looking for a new policy, you can use these tips to cut your premiums and possibly find even better coverage. Vehicle owners only need to know the proper methods to shop their coverage around over the internet.

Where can I get cheap auto insurance?

Finding a lower price on 1995 Hyundai Elantra insurance can be relatively painless. Drivers just need to take a couple of minutes getting comparison quotes from online providers. It’s really simple and can be done in a couple of different ways.

The first (and easiest) way to get quotes is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate forms for each price estimate. One form will get you price quotes direct from many companies. Recommended for those who want to invest the least amount of time.

A more difficult way to compare prices requires a visit to the website of each company and get a separate price quote. For example, we’ll pretend you want to get rates from Farmers, State Farm and GMAC. You would be required to go to every website to enter the same coverage data repeatedly, which can get rather old. For a list of links to companies insuring cars in your area, click here.

The hardest method to find cheaper rates is to waste gas driving to local insurance agencies. Comparing rates online makes this process obsolete unless you want the trained advice that you can only get from talking to an agent. It is possible with some companies compare the best prices online but have a local agent actually write the policy.

Compare rates however you want, just try to keep identical coverages on every price quote you get. If you have higher or lower deductibles it’s not possible to find the best deal for your Hyundai Elantra.

You may qualify for discounts

Some companies don’t always list every available discount very well, so we took the time to find both well-publicized as well as the least known savings tricks you should be using when you buy insurance online. If you do not check that you are getting every discount available, you are throwing money away.

• Good Drivers – Safe drivers can save up to 40% or more on their insurance quote for Elantra insurance than less cautious drivers.
• No Charge for an Accident – This isn’t a discount exactly, but certain companies will let one accident slide without getting socked with a rate hike with the catch being you have to be claim-free for a set time period.
• E-sign – A few insurance companies may give you up to $50 for buying your policy on the web.
• Defensive Driver Discounts – Participating in a course in driver safety could cut 5% off your bill and make you a better driver.
• Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently so companies will give you a small discount.
• Government Employee Discount – Employees or retirees of the government may reduce rates when you quote insurance for Elantra insurance depending on your insurance provider.
• Bundled Policy Discount – When you have multiple policies and insure them with the same company you could earn a discount of over 10 percent off each policy depending on the company.
• Data Collection Discounts – Drivers that enable their insurance company to track where and when they drive by using a telematics device such as Progressive’s Snapshot may get a rate reduction as long as they are good drivers.
• Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
• Memberships – Joining a civic or occupational organization can get you a small discount on your next renewal.

You can save money using discounts, but most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. So even though you would think you could get a free insurance policy, you aren’t that lucky.

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

• Esurance may have discounts that include homeowner, multi-policy, defensive driver, emergency road assistance, good driver, Pac-12 alumni, and multi-car.
• The Hartford discounts include vehicle fuel type, bundle, anti-theft, good student, driver training, air bag, and defensive driver.
• AAA has savings for multi-car, pay-in-full, AAA membership discount, multi-policy, and education and occupation.
• Geico may include discounts for seat belt use, multi-policy, defensive driver, daytime running lights, and anti-theft.
• State Farm has discounts for driver’s education, passive restraint, Drive Safe & Save, multiple policy, good student, and anti-theft.

Double check with each company or agent which credits you are entitled to. Discounts may not be available in your state.

There’s no such thing as the perfect auto insurance policy

When buying proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining if your situation might need an agent’s assistance.

• Do I pay less if my vehicle is kept in my garage?
• Why am I required to buy liability insurance?
• Is my 1995 Hyundai Elantra covered for flood damage?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Who is covered when they drive my 1995 Hyundai Elantra?
• Which is better, split liability limits or combined limits?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Insurance policy specifics

Learning about specific coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for liability – Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: 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 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as bail bonds, attorney fees, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision – This coverage pays for damage to your Elantra resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Hyundai Elantra.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like surgery, doctor visits and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hail damage, vandalism, damage from getting keyed and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.