2013 Hyundai Elantra Coupe Insurance Rates – 5 Tips for Cheapest Quotes

Looking for cheaper insurance coverage rates for your Hyundai Elantra Coupe? Using the web to shop for auto insurance quotes online might seem complicated at first if you are a beginner to online rate comparisons. But don’t just give up because finding more affordable prices is actually fairly simple.

Car insurance discounts help reduce rates

Companies that sell car insurance don’t always list their entire list of discounts in a way that’s easy to find, so the following list contains both well-publicized as well as the least known credits available to bring down your rates. If they aren’t giving you every credit you qualify for, you may be paying too high a price.

• Savings for New Vehicles – Putting car insurance coverage on a new car can cost up to 25% less due to better safety requirements for newer models.
• Theft Deterent – Vehicles that have factory anti-theft systems can help prevent theft and earn discounts up to 10% off your auto insurance quote.
• Resident Student – living away from home attending college and don’t have a car could qualify for this discount.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Active Service Discounts – Having a deployed family member may lower your rates slightly.

It’s important to note that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like you can get free auto insurance, it’s just not the way it works. Any amount of discount should definitely cut your overall premium however.

Insurance companies that may have some of the discounts shown above possibly include:

• State Farm
• Farmers Insurance
• Progressive
• Geico
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

When getting a coverage quote, ask every company which discounts you qualify for. Some discounts listed above might not apply in your area. If you would like to see a list of insurers who offer free car insurance quotes, click here.

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How to compare insurance price quotes

All the larger insurance companies like 21st Century, Allstate and State Farm allow consumers to get coverage price quotes directly from their websites. The process is quite easy because it’s just a matter of typing in your coverage preferences into the form. When the form is submitted, the company’s rating system orders your driving record and credit report and generates pricing information determined by many factors.

Online price quotes simplifies rate comparisons, but having to visit different websites and complete many quote forms is a big time waster. But it’s very important to get many rate quotes if you want to get the lowest possible prices on insurance.

There is a better way!

The easiest way to compare rates utilizes a single form that gets price quotes from multiple companies. The form is fast, requires less work, and makes quoting online much easier to do. After your information is entered, it is quoted with multiple companies and you can pick any of the pricing results. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It takes less than 15 minutes and you will find out if you’re overpaying now.

In order to fill out one form to compare multiple rates now, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend you duplicate the coverages as shown on your current policy. This way, you are getting an apples-to-apples comparison for similar insurance coverage.

Which is the best insurance coverage?

When it comes to buying proper insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions might point out if you would benefit from an agent’s advice.

• Does insurance cover tools stolen from my truck?
• I have a DUI can I still get coverage?
• Why am I required to buy high-risk coverage?
• Am I covered when driving on a suspended license?
• Is there coverage for injuries to my pets?
• Am I better off with higher deductibles on my 2013 Hyundai Elantra Coupe?
• Does insurance cover damages from a DUI accident?
• Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverages 101

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Auto liability

This will cover damages or injuries you inflict on other people or property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like funeral expenses, loss of income, bail bonds and court costs. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Collision coverage protection

This covers damage to your Elantra Coupe resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, theft, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Hyundai Elantra Coupe.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for surgery, dental work, X-ray expenses and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

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In conclusion

People switch companies for a variety of reasons including policy cancellation, delays in responding to claim requests, unfair underwriting practices or even questionable increases in premium. Regardless of your reason, finding a great new company can be less work than you think.

We just covered a lot of ways to save on 2013 Hyundai Elantra Coupe insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may discover the best price on car insurance is with a small mutual company.

There are still a few companies who don’t offer rate quotes online and usually these regional carriers only sell through independent agents. Cheaper car insurance is available both online as well as from independent agents, and you should compare price quotes from both to have the best rate selection.

Additional car insurance information can be found at the links below

• Get the Right Protection (InsureUonline.org)
• Who Has Cheap Car Insurance Quotes for a Hyundai Elantra in Oklahoma City? (AutoGuardOKC.com)
• State Car Insurance Guides (Geico)
• Collision Insurance Coverage (Nationwide)
• Prom Night Tips for Teen Drivers (State Farm)
• Vehicle Insurance (Wikipedia)

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