Cheap 2014 Hyundai Elantra Coupe Car Insurance Rates

Trying to find lower insurance coverage rates for your Hyundai Elantra Coupe? Frustrated by the wide range of insurance coverage providers? Drivers have such a large number of options that it can easily turn into a challenge to find the best premium rates.

It’s smart to check insurance coverage prices before your policy renews due to the fact that insurance prices tend to go up over time. Just because you had the best deal on Elantra Coupe insurance last year the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the best methods to find great coverage at a great price.

Cheaper rates with these discounts

The price of auto insurance can be rather high, but you may find discounts that could drop your premiums quite a bit. Many discounts should be triggered at quote time, but once in a while a discount must be requested specifically prior to getting the savings. If you check and find you aren’t receiving every discount you deserve, you are throwing money away.

• Discounts for Safe Drivers – Accident-free drivers can get discounts for up to 45% lower rates on Elantra Coupe insurance than drivers with accident claims.
• ABS Braking Discount – Vehicles with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
• Fewer Miles Equal More Savings – Fewer annual miles on your Hyundai can qualify you for better prices on cars that stay parked.
• Telematics Data – People who choose to allow driving data collection to analyze where and when they drive remotely such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they have good driving habits.
• Senior Citizen Rates – Seniors are able to get a small decrease in premiums on Elantra Coupe insurance.

While discounts sound great, it’s important to understand that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like you can get free auto insurance, you aren’t that lucky.

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First Step: Get free car insurance quotes

Performing a rate comparison can be a daunting task if you don’t understand the most efficient way to do it. You can waste hours talking to insurance companies in your area, or you could use online quotes for quick rates.

Most car insurance companies belong to a marketplace where insurance shoppers submit one quote, and at least one company returns a competitive quote determined by their information. This prevents consumers from doing repetitive form submissions for each company. To fill out one form to compare multiple rates now click here to start a free quote.

The one disadvantage to doing it this way is you cannot specify the insurers you want pricing from. So if you want to choose individual companies for rate comparison, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.

Whichever method you choose, try to keep nearly identical coverage data on every quote you get. If you have higher or lower deductibles it’s impossible to determine which company has the best rates. Having just a slight variation in insurance coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that getting more free quotes provides better odds of finding a lower rate. Some insurance companies are not set up to provide prices over the internet, so it’s recommended that you also compare rates on coverage from those companies, too.

Eight things that affect your insurance rates

Many things are used in the calculation when premium rates are determined. Some of the criteria are obvious such as traffic violations, although others are not quite as obvious such as your credit history and annual miles driven.It’s important that you understand some of the things that come into play when calculating your auto insurance rates. If you have a feel for what determines base rates, this helps enable you to make changes that may result in big savings.

• Prevent your car from being stolen – Buying a car with anti-theft technology or alarm system can save you some money. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent car theft and help bring rates down.
• Male premiums may be higher – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that females are better drivers. Both genders are in at-fault accidents at a similar rate, but the males tend to have higher claims. Not only that, but men also receive more major tickets like reckless driving and DUI. Male teenagers are most likely to cause an accident and therefore are the most expensive to insure.
• Protect yourself with liability insurance – Your auto insurance policy’s liability coverage will provide protection when you are ruled to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Pay less after the wedding – Having a wife or husband helps lower the price on your policy. Marriage demonstrates that you tend to be more mature and statistics prove married drivers tend to file fewer claims.
• With age comes responsibility – Older drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations.Teen drivers have a tendency to get distracted easily in a vehicle so auto insurance rates are higher.
• Pay less with a high crash test rating – Safer cars cost less to insure. Vehicles engineered for safety have better occupant injury protection and lower rates of occupant injuries means lower claim amounts and thus lower rates. If your Hyundai Elantra Coupe has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
• Occupation stress can make you pay more – Did you know your career choice can influence rates? Jobs such as judges, business owners and miners generally have the highest rates due to intense work-related stress and extremely grueling work hours. Conversely, occupations like actors, athletes and the unemployed have the lowest average rates on Elantra Coupe insurance.
• Incidental coverages are wasting money – Insurance policies have a lot of additional coverages that may not really be needed but may not be useful. Things like roadside assistance, towing coverage, and motor club memberships may be wasting your money. They may seem good when discussing your needs, but your needs may have changed so eliminate them to save money.

Insurance coverage can be complex

When buying the right insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if your situation might need an agent’s assistance.

• Is my 2014 Hyundai Elantra Coupe covered for smoke damage?
• Can I rent a car in Mexico?
• When should I not file a claim?
• Is a new car covered when I drive it off the dealer lot?
• Am I covered if hit by an uninsured driver?
• What is the rate difference between pleasure use and commuting?
• Should I drop comprehensive coverage on older vehicles?
• What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

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Insurance coverages explained

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM Coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Hyundai Elantra Coupe.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage

This can cover damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like funeral expenses, structural damage, bail bonds, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Collision insurance

This will pay to fix damage to your Elantra Coupe from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, backing into a parked car, sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, rock chips in glass, hitting a deer and falling objects. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like ambulance fees, nursing services, funeral costs, hospital visits and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

You can do this!

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that the savings was not a smart move. Your focus should be to find the BEST coverage at the best possible price while not skimping on critical coverages.

We just showed you many tips how you can get a better price on 2014 Hyundai Elantra Coupe insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the best auto insurance rates are with a company that doesn’t do a lot of advertising.

Some insurance companies do not offer price quotes online smaller companies prefer to sell through independent insurance agencies. Cheaper car insurance can be purchased online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture.

Additional car insurance information can be read below:

• Vehicle Insurance in the U.S. (Wikipedia)
• Medical Payments Coverage (Liberty Mutual)
• Liability Insurance Coverage (Nationwide)
• What is Covered by GAP Insurance? (Allstate)

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