1997 Hyundai Elantra Insurance Rates – 6 Tips for Cheaper Quotes

Are you drained from trying to scrape together enough money to insure your Hyundai every month? You are no different than many other drivers. Drivers have so many auto insurance companies to insure vehicles with, and though it is a good thing to be able to choose, too many choices makes it more difficult to find the lowest cost provider.

How to compare insurance price quotes

There are multiple methods to compare insurance prices but there is one way that is less labor-intensive and much quicker. You can spend countless hours talking about coverages with agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Many popular insurance companies take part in a program that enables customers to only type in their quote data once, and every company returns a competitive quote determined by their information. This prevents consumers from doing quote requests for each company you want a rate for. To find out how much you’re overpaying now click here to open in new window.

The single downside to getting quotes like this is you are unable to specify which carriers to get quotes from. If you would rather choose from a list of companies to compare prices, we put together a list of insurance companies in your area. Click to view list.

Compare rates however you want, just make sure you are using identical coverages and limits for every quote you compare. If you compare different coverage information you will not be able to determine which company has the best rates.

Lower-cost insurance coverage rates with discounts

Some providers don’t always advertise all their discounts very clearly, so the next list breaks down some of the more common as well as the least known credits that may apply to you. If you do not check that you are getting every discount you deserve, you could be getting lower rates.

• Low Mileage Discounts – Driving fewer miles may allow you to get discounted prices on garaged vehicles.
• Good Driver Discounts – Drivers who don’t get into accidents can pay as much as 50% less on Elantra insurance than drivers with accidents.
• Military Discounts – Being on active deployment in the military could qualify you for better rates.
• First Accident Forgiveness – Not really a discount, but some companies like Progressive, Allstate, and Liberty Mutual permit an accident without getting socked with a rate hike if you are claim-free before the accident.
• Paperwork-free – Certain insurance coverage companies will provide an incentive for signing up on their website.
• Mature Driver Discount – If you’re over the age of 55, you are able to get a small decrease in premiums on Elantra insurance.

You should keep in mind that most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as medical payments or collision. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But all discounts will definitely lower the amount you pay for coverage.

Large insurance coverage companies and the discounts they provide are detailed below.

• State Farm offers discounts including multiple policy, accident-free, passive restraint, good student, Steer Clear safe driver discount, and multiple autos.
• American Family policyholders can earn discounts including accident-free, air bags, early bird, Steer into Savings, and mySafetyValet.
• AAA may include discounts for multi-car, multi-policy, anti-theft, good driver, education and occupation, and pay-in-full.
• Geico discounts include membership and employees, defensive driver, anti-lock brakes, five-year accident-free, daytime running lights, and multi-vehicle.
• Mercury Insurance offers discounts for accident-free, type of vehicle, age of vehicle, location of vehicle, good student, professional/association, and good driver.
• Farmers Insurance offers premium reductions for switch companies, multi-car, teen driver, pay in full, alternative fuel, and bundle discounts.
• Progressive may offer discounts for homeowner, multi-policy, online quote discount, multi-vehicle, online signing, and good student.

If you want cheap auto insurance quotes, ask each company or agent the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in your area.

Tailor your car insurance coverage to you

When choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. For example, these questions may help you determine whether or not you may require specific advice.

• At what point should I drop full coverage?
• Why am I required to buy liability insurance?
• What discounts do I qualify for?
• Does my 1997 Hyundai Elantra need full coverage?
• Does my insurance cover my expensive audio equipment?
• Am I covered if I drive in a foreign country?
• Am I covered if I crash into my own garage door?
• Why is insurance for a teen driver so high?
• Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Auto insurance 101

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Hyundai Elantra.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, hitting a bird, theft and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

This coverage provides protection from damage that occurs to other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in 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. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like structural damage, repair costs for stationary objects and pain and suffering. How much coverage you buy is a personal decision, but buy as much as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like pain medications, nursing services and X-ray expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay