Lower Your 2014 Hyundai Elantra Insurance Quotes

Think you have overpriced car insurance? Trust us, many drivers have buyer’s remorse. Drivers have so many insurers to choose from, and although it’s nice to have a selection, so many choices can make it hard to locate the cheapest rates.

Why your insurance prices might be higher

An important part of buying insurance is that you know the different types of things that play a part in calculating your premiums. If you know what controls the rates you pay, this allows you to make good choices that can earn you cheaper rates.

• Do you have a high stress vocation? – Do you have a high-stress occupation? Occupational choices like judges, executives and accountants are shown to have higher premium rates because of job stress and extremely grueling work hours. Conversely, careers such as actors, engineers and retirees receive lower rates on Elantra coverage.
• Gaps in coverage mean higher premiums – Allowing your coverage to lapse will be a guaranteed way to increase your insurance coverage rates. In addition to paying higher rates, being ticketed for driving with no insurance might get you a license revocation or jail time.
• Why do you need liability? – The liability section of your policy will provide protection in the event that you are found liable for physical damage or personal injury to other. Liability insurance provides you with a defense in court starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so insureds should have plenty of protection for their assets.
• Put fewer miles on your vehicle – Driving more miles each year the higher your rates will be. Almost all companies calculate prices partially by how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates than cars that get driven a lot. Ask your agent if your insurance coverage policy correctly shows the correct usage. A policy that improperly rates your Elantra can result in significantly higher rates.
• Do you need those extra policy coverages? – There are a ton of extra coverages that you can get tricked into buying if you don’t pay attention. Insurance for replacement cost coverage, death and dismemberment, and membership fees are examples of these. They may seem good initially, but if you’ve never needed them in the past get rid of them and save.
• Do thieves like your car? – Purchasing a vehicle with a theft deterrent system can save you some money. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping your vehicle from being stolen.
• Safer cars save money – Vehicles that have high safety ratings tend to have lower insurance rates. Highly rated vehicles protect occupants better and any reduction in injury severity means less claims paid passed on to you as lower rates.

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Buy insurance coverage online

The majority of larger companies like State Farm and Allstate make it easy to get pricing on the web. Doing online quotes is pretty painless as you simply enter your required coverages as detailed in the form. Once entered, the system pulls your credit score and driving record and generates a price based on these and other factors. This makes it simple to compare prices but the process of having to visit a lot of sites and fill out multiple forms is a big time waster. But it’s absolutely necessary to perform this step if you want to get better insurance coverage pricing.

Rate comparisons made easy

The smarter way to lower your insurance coverage bill uses just one form to obtain quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes rate comparisons a little more enjoyable. As soon as you send your information, it is rated with multiple companies and you can pick your choice of the returned quotes.

If you find a better price you can simply submit the application and buy the policy. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.

To find out how much you can save on insurance coverage, click here to open in new window and complete the simple form. To compare your current rates, we recommend you type in coverages and limits just like they are on your policy. Doing this guarantees you’re receiving a rate comparison using the same coverage and limits.

Buyer beware of auto insurance advertising tricks

Consumers can’t avoid all the ads for cheaper auto insurance by companies like State Farm and Allstate. All the companies make the same claim that you can save if you just switch your policy.

How does every auto insurance company charge you less for car insurance? This is the trick they use.

Auto insurance companies can use profiling for the driver that will most likely be profitable. For instance, a driver they prefer may be over age 30, has never had a policy lapse, and has a short commute. Any customer who matches those parameters will get very good rates and will probably cut their rates if they switch.

Insureds who don’t qualify for these standards will probably be forced to pay higher premiums and ends up with business going elsewhere. If you pay close attention to the ads, they say “drivers who switch” not “all people who quote” save the amount stated. That is how companies can truthfully advertise the savings.

This really emphasizes why drivers should compare price quotes frequently. Because you never know the company that will provide you with the cheapest prices.

Get affordable auto insurance with discounts

Some insurance providers do not list the complete list of policy discounts in an easy-to-find place, so the below list has a few of the more well known and also the lesser-known ways to save on auto insurance.

• Save over 55 – Older drivers may qualify for reduced rates on Elantra coverage.
• Include Life Insurance and Save – Select insurance companies reward you with a discount if you purchase life insurance.
• Telematics Data Discounts – Drivers who agree to allow their company to analyze their driving habits by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if their driving habits are good.
• Discount for New Cars – Putting auto insurance coverage on a new car may earn a small discount due to better safety requirements for new vehicles.
• Good Student – Performing well in school may save you up to 25%. The discount lasts up to age 25.
• Lower Rates for Military – Being on active deployment in the military can result in better premium rates.
• Discounts for Federal Employees – Active or former government employment can save as much as 8% on Elantra coverage with select insurance companies.

A quick disclaimer, most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

The best auto insurance companies and their offered discounts are outlined below.

• State Farm has savings for driver’s education, student away at school, Drive Safe & Save, safe vehicle, good driver, and defensive driving training.
• Farmers Insurance offers discounts including youthful driver, good student, business and professional, mature driver, alternative fuel, and early shopping.
• Geico may offer discounts for driver training, federal employee, good student, multi-policy, emergency military deployment, and five-year accident-free.
• American Family has discounts for mySafetyValet, air bags, bundled insurance, good driver, early bird, and TimeAway discount.
• Nationwide policyholders can earn discounts including Farm Bureau membership, good student, anti-theft, multi-policy, and business or organization.
• Progressive may include discounts for multi-vehicle, good student, homeowner, multi-policy, and continuous coverage.

Double check with every insurance company to apply every possible discount. Some of the earlier mentioned discounts might not apply in your area. If you would like to choose from a list of companies that offer discounts, click here.

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Tailor your car insurance coverage to you

When choosing adequate coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique so your insurance should reflect that For example, these questions can aid in determining whether you might need professional guidance.

• When can I cancel my policy?
• Is my teen driver covered when they drive my company car?
• Exactly who is provided coverage by my policy?
• Do I have any recourse if my insurance company denies a claim?
• Is rental equipment covered for theft or damage?
• Can I rate high risk drivers on liability-only vehicles?
• Is my Hyundai Elantra covered if I use it for business?
• What are the financial responsibility laws in my state?
• Can my babysitter drive my car?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Car insurance coverage considerations

Having a good grasp of your policy can help you determine appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most car insurance policies.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, dental work, prosthetic devices and pain medications. They are often used to cover expenses not covered by your health insurance plan 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. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

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

Comprehensive coverage protects against claims like damage from flooding, rock chips in glass and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – This covers damage to your Elantra resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with a tree, backing into a parked car, sideswiping another vehicle, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability car insurance – Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have 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. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as legal defense fees, pain and suffering, attorney fees and court costs. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Hyundai Elantra.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Final considerations

Discount 2014 Hyundai Elantra insurance is available online and from local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some companies do not offer rate quotes online and most of the time these smaller providers provide coverage only through independent agents.

When searching for cheaper auto insurance quotes, it’s not a good idea to reduce coverage to reduce premium. In too many instances, an accident victim reduced comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at a price you can afford and still be able to protect your assets.

We just presented a lot of tips how to reduce 2014 Hyundai Elantra insurance rates online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding the cheapest auto insurance. You may even find the best rates are with a small local company. Regional companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate and Progressive.

For more information, feel free to browse the resources below:

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)

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