2013 Hyundai Elantra Insurance Cost

Paying for expensive Hyundai Elantra insurance can drain your savings account and maybe even restrict other spending. Comparison shopping is free and is an excellent way to make ends meet.

Insurance companies such as Allstate, Progressive and Geico all claim big savings with TV and radio ads and it is difficult to avoid their marketing magic and find the best price available.

Lower your insurance premiums

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that help determine car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that could help you find much lower annual insurance costs.

The following are some of the things car insurance companies consider when setting your premiums.

• Where you live is a factor – Having an address in a small town is a positive aspect if you are looking for the lowest rates. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. City drivers regularly have more road rage incidents and more time behind the wheel. More time behind the wheel means a statistically higher chance of an accident.
• Your job may affect rates – Did you know that where you work can have an impact on rates? Occupations such as military generals, architects and stock brokers generally pay the highest rates in part from intense work requirements and long work days. On the flip side, occupations such as professors, athletes and retirees get better rates for Elantra insurance.
• Liability insurance limits on your policy – Liability insurance provides coverage if ever you are found to be at fault for causing personal injury or damage in an accident. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
• Poor credit score equals high rates – A driver’s credit history can be an important factor in calculating your car insurance rates. Insureds with high credit ratings tend to be less risk to insure than those with bad credit. If your credit history can be improved, you could potentially save money when insuring your 2013 Hyundai Elantra by improving your credit score.
• Deter car thieves – Purchasing a vehicle with anti-theft technology or alarm system can help lower your premiums. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent vehicle theft.
• Prices impacted by vehicle usage – The more miles you rack up on your Hyundai every year the higher your rate. Most companies charge rates based upon how much you drive. Vehicles used primarily for pleasure use get more affordable rates than those used for commuting. It’s a good idea to make sure your car insurance policy reflects the correct driver usage. An improperly rated Elantra may be costing you higher rates.
• Rental and towing coverage may not be needed – There are quite a few extra bells and whistles that you can get tricked into buying if you aren’t diligent. Coverages for rental car reimbursement, towing, and motor club memberships may be wasting your money. The coverages may be enticing when you first buy your policy, but now you might not need them so remove them from your policy.
• Your gender affects prices – Over the last 30 years, statistics show females are less aggressive when driving. It does not mean men are WORSE drivers than women. Females and males get in auto accidents at a similar rate, but men get into accidents with more damage. Men also statistically receive more major tickets like reckless driving and DUI.

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Compare insurance coverage quotes

When looking for low cost insurance quotes, there are a couple ways to compare rate quotes from companies that offer insurance coverage in your state. The best method to find the cheapest 2013 Hyundai Elantra insurance rates is to get quotes online. It is quite easy and can be accomplished by using one of the methods below.

1. One of the fastest ways to get the best comparison quotes is a comparison rater form (click to open form in new window). This method eliminates the need for separate forms for every prospective company. In just a few minutes this one form will get you rate comparisons instantly.
2. A more time consuming way to compare rate quotes is to take the time to go to each individual company website to complete a price quote. For instance, we’ll pretend you want comparison quotes from USAA, 21st Century and State Farm. You would have to navigate to each company’s site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
3. The hardest method to do your price quoting is to spend time driving to insurance agents’ offices. Quoting and buying insurance online has made agencies unnecessary unless you have a need for the extra assistance of a local agent. If you prefer, some companies allow you to compare online quotes but still have the advice of a local agent.

Which method you use is up to you, but ensure you’re using the same coverage information on every quote you get. If you use different limits and deductibles on each one it’s not possible to determine the best price for your Hyundai Elantra. Even a minor difference in insurance coverages or limits can mean a large discrepancy in price. And when comparison shopping, quoting more helps improve the odds of finding a lower rate than you’re paying now.

Big names are not always cheapest

Progressive, Allstate and Geico seem to constantly run ads on television and other media. All the companies make the point about saving some big amount just by switching to them. How is it possible that every company can give you a lower rate? Here is how they do it.

Many companies have strict underwriting profiles for the driver that earns them the most money. An example of a desirable insured may be over age 30, has no prior claims, and drives less than 7,500 miles a year. A customer that meets those criteria will qualify for the lowest car insurance rates as well as pay quite a bit less when switching companies.

Potential insureds who fall short of the requirements may receive a higher rate which results in the customer not buying. The ad wording is “drivers that switch” not “everyone that quotes” save that much when switching. This is how insurance companies can confidently make the claims of big savings.

This emphasizes why it is so important to do a quote comparison often. It’s just too difficult to predict which insurance coverage company will have the best car insurance rates at this point in time.

Discounts for lower-cost insurance coverage rates

Insurance can be prohibitively expensive, but companies offer discounts that can dramatically reduce your bill. A few discounts will be applied at the time of purchase, but some need to be asked for before they will apply.

• Theft Deterent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
• Professional Memberships – Being in specific professional or occupational memberships or organizations is a simple method to lower premiums on your bill.
• Good Students Pay Less – Excelling in school may save as much as 25% on a insurance quote. The good student discount can last well after school through age 25.
• Claim Free – Insureds who avoid accidents and claims get the best insurance coverage rates as compared to insureds who have frequent claims or accidents.
• Military Deployment Discount – Having an actively deployed family member could trigger a small discount.
• Safety Course Discount – Passing a course teaching safe driver skills could cut 5% off your bill and easily pay for the cost of the class.
• Telematics Data Discounts – Insureds who allow their insurance company to monitor driving manner by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they have good driving habits.

Just know that most credits do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like adding up those discounts means a free policy, that’s just not realistic.

To view insurers who offer free insurance coverage quotes, click this link.

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Tailor your car insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help highlight whether you would benefit from professional advice.

• Why am I required to buy high-risk coverage?
• When does my teenage driver need to be added to my policy?
• Am I covered if I wreck a rental car?
• Am I covered if I drive in a foreign country?
• Do I need PIP coverage since I have good health insurance?
• Where can I find DUI or SR-22 insurance?
• How high should deductibles be on a 2013 Hyundai Elantra?
• Do I pay less for low miles?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Auto insurance coverages

Having a good grasp of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for X-ray expenses, doctor visits, EMT expenses, chiropractic care and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

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

Collision coverage protects against claims like sideswiping another vehicle, scraping a guard rail and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2013 Hyundai Elantra.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, hitting a deer, rock chips in glass, damage from getting keyed and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability

Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as loss of income, legal defense fees and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Summing up your insurance coverage search

In this article, we presented many ideas to save on 2013 Hyundai Elantra insurance. The key thing to remember is the more companies you get car insurance rates for, the better likelihood of getting inexpensive insurance. Drivers may discover the biggest savings come from a smaller regional carrier. These companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

When getting insurance quotes online, never reduce needed coverages to save money. There are too many instances where an insured cut liability coverage limits only to regret at claim time that it was a big mistake. Your aim should be to find the BEST coverage at the best possible price.

More resources

• Things to Know Before you Cancel Insurance (Allstate)
• Comprehensive Coverage (Liberty Mutual)
• Credit and Insurance Scores (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)

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