Compare 1996 Hyundai Elantra Car Insurance Quotes

Looking for better insurance rates? Shoppers have many options when shopping for the best price on Hyundai Elantra insurance. They can either waste time calling around to get rate comparisons or utilize the internet to get rate quotes.

There are both good and bad ways to shop for insurance and we’ll show you the proper way to get price quotes for a Hyundai and obtain the best price possible either online or from local insurance agents.

Do you qualify for discounts?

Companies offering auto insurance don’t always list every disount available in a way that’s easy to find, so we break down a few of the more well known and also the lesser-known discounts that may be available.

• Defensive Driver Discount – Taking time to complete a driver safety course is a good idea and can lower rates if your company offers it.
• Theft Prevention Discount – Cars equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
• Federal Employees – Active or former government employment could provide a small rate reduction on Elantra coverage depending on your auto insurance provider.
• Accident Free – Good drivers with no accidents are rewarded with significantly better rates on car insurance quote in comparison to frequent claim filers.
• Senior Citizen Discount – If you’re over the age of 55, you can get lower premium rates on Elantra coverage.
• Multiple Cars – Having all your vehicles on a single policy can get a discount on all vehicles.
• Driver’s Ed – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
• Responsible Driver Discounts – Drivers without accidents can get discounts for up to 45% lower rates on Elantra coverage compared to accident prone drivers.
• Active Service Discounts – Having a deployed family member could qualify you for better auto insurance rates.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. So when it seems like you can get free auto insurance, nobody gets a free ride.

Companies and their offered discounts are shown below.

• Farmers Insurance discounts include bundle discounts, good student, pay in full, alternative fuel, and electronic funds transfer.
• State Farm offers discounts including defensive driving training, good driver, Drive Safe & Save, accident-free, multiple autos, and driver’s education.
• Liberty Mutual has savings for new graduate, newly married, multi-policy, preferred payment discount, multi-car, hybrid vehicle, and exclusive group savings.
• MetLife may include discounts for accident-free, good driver, good student, claim-free, defensive driver, multi-policy
• Progressive includes discounts for online signing, online quote discount, homeowner, good student, multi-policy, and continuous coverage.

Check with all the companies which discounts you qualify for. Depending on the company, some discounts might not be offered everywhere. If you would like to choose from a list of insurance companies who offer online auto insurance quotes, click here to view.

Don’t assume everyone needs the same auto insurance coverage

When choosing coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

• Is a blown tire covered by insurance?
• Should I drop comprehensive coverage on older vehicles?
• Do I need rental car coverage?
• When does my teenage driver need to be added to my policy?
• Is extra glass coverage worth it?
• Do I have coverage for damage caused while driving under the influence?
• What is covered by UM/UIM coverage?
• Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Car insurance specifics

Learning about specific coverages of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your 1996 Hyundai Elantra.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for expenses such as prosthetic devices, dental work and surgery. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage – This pays for damage to your Elantra resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a ditch, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability coverage – This can cover damage or injury you incur to people or other property. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as loss of income, funeral expenses, legal defense fees, bail bonds and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Feed the piggy bank

We covered a lot of techniques to get a better price on 1996 Hyundai Elantra insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. You may be surprised to find that the best price on insurance coverage is with a small local company.

Consumers who switch companies do it for any number of reasons including unfair underwriting practices, lack of trust in their agent, being labeled a high risk driver or even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new company is not as difficult as it may seem.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. Too many times, drivers have reduced uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. The goal is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

To learn more, feel free to browse these articles:

• Shopping for a Safe Car (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)