How Much Does 2009 Hyundai Elantra Car Insurance Cost?

Searching for lower insurance rates for your Hyundai Elantra? Are you frustrated by the wide range of insurance sources that you can choose from? There are so many sources available that it can be a real challenge to find the lowest price.

It’s important to take a look at other company’s rates at least once a year since prices fluctuate regularly. If you had the best price for Elantra coverage at your last renewal the chances are good that you can find a lower rate quote today. There are lots of tips to save on insurance online, but in this article, you’re going to get the easiest ways to put money back in your pocket.

These discounts can lower auto insurance rates

Some insurers do not advertise every available discount in an easy-to-find place, so we took the time to find some of the more common as well as some of the hidden discounts that may be available.

• Senior Citizen Rates – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums for Elantra coverage.
• ABS Brakes – Vehicles that have anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
• Memberships – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount on your next renewal.
• Multiple Vehicles – Buying coverage for primary and secondary vehicles with the same company may reduce the rate for each vehicle.
• Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• Drive Less and Save – Driving fewer miles could qualify for discounted rates on garaged vehicles.
• Safety Course Discount – Taking part in a course that instructs on driving safety could save 5% or more if you qualify.

One thing to note about discounts is that most discount credits are not given the the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

Auto insurance companies that may offer quotes with most of these discounts may include but are not limited to:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

Check with each company how many discounts you can get. A few discounts might not be available to policyholders everywhere. To choose insurers that have a full spectrum of discounts, click here to view.

When do I need an agent’s advice?

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

These are some specific questions might help in determining whether or not you may require specific advice.

• What is roadside assistance coverage?
• Do I need motorclub coverage?
• Should I bundle my homeowners policy with my auto?
• What discounts do I qualify for?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need an umbrella policy?
• Is a blown tire covered by insurance?
• What is PIP insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage information

Understanding the coverages of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, damage from a tornado or hurricane, a broken windshield, damage from flooding and theft. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Hyundai Elantra.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Liability

This coverage protects you from damage that occurs to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like repair bills for other people’s vehicles, structural damage and attorney fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Auto collision coverage

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

Collision coverage pays for claims like scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses for things like dental work, doctor visits, X-ray expenses, pain medications and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Shop Smart and Save

Drivers leave their current company for a number of reasons such as denial of a claim, delays in responding to claim requests, lack of trust in their agent or even being labeled a high risk driver. Regardless of your reason, finding the right auto insurance provider is easier than you think.

As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced liability coverage limits and discovered at claim time that it was a big error on their part. Your objective should be to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

A few companies may not offer the ability to get quotes online small insurance companies only sell coverage through independent agents. More affordable auto insurance is possible online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money.

More information can be read below:

• Collision Coverage (Liberty Mutual)
• Distracted Driving (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• State Car Insurance Guides (Geico)