View 1998 Hyundai Elantra Insurance Cost

Shoppers have a choice when shopping for low-cost Hyundai Elantra insurance. You can either spend your time driving around to get rate comparisons or use the internet to make rate comparisons. There is a right way and a wrong way to buy insurance coverage and we’ll show you the absolute fastest way to compare rates for a new or used Hyundai and find the lowest possible price.

You need to shop coverage around every six months because insurance prices fluctuate regularly. If you had the best quotes on Elantra coverage on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the fastest way to reduce your cost while improving coverage.

The quickest way to get policy rate comparisons is to know the trick most of the larger companies provide online access to give rate comparisons. The only thing you need to do is provide a little information like any included safety features, what you do for a living, deductibles desired, and if you’re married. Your insurance information is then submitted to many different companies and you should receive rate quotes within a short period of time.

To get price quotes for your 1998 Hyundai Elantra now, click here and find out if you can get cheaper insurance.

Get cheap insurance rates with discounts

Insurance is not inexpensive, but there could be significant discounts to reduce the price significantly. Many discounts should be triggered at the time of purchase, but some discounts are required to be asked about before you will receive the discount. If you’re not getting every credit possible, you could be saving more on your insurance.

• ABS Braking Discount – Vehicles with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
• Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
• Safe Driver Discount – Accident-free drivers can save as much as half off their rates on Elantra coverage compared to rates paid by drivers with frequent claims.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
• Telematics Data – Insureds that choose to allow their insurance company to track their driving habits by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as they are good drivers.
• Senior Discount – If you qualify as a senior citizen, you could receive a slight reduction on a car insurance quote on Elantra coverage.
• Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can avoid monthly service charges.
• Low Mileage – Keeping the miles down on your Hyundai may enable drivers to earn slightly better rates than normal.

It’s important to note that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it’s just not the way it works. But all discounts will definitely reduce your policy premium.

The best insurance companies and some of their more popular discounts are included below.

• State Farm policyholders can earn discounts including Steer Clear safe driver discount, anti-theft, good student, accident-free, passive restraint, and student away at school.
• Nationwide includes discounts for defensive driving, Farm Bureau membership, business or organization, good student, and anti-theft.
• Geico may have discounts that include good student, anti-theft, multi-vehicle, five-year accident-free, seat belt use, daytime running lights, and anti-lock brakes.
• AAA may include discounts for good student, multi-policy, AAA membership discount, pay-in-full, multi-car, and anti-theft.
• 21st Century discounts include 55 and older, anti-lock brakes, teen driver, defensive driver, and driver training.
• The Hartford may offer discounts for air bag, anti-theft, bundle, driver training, vehicle fuel type, defensive driver, and good student.

If you are trying to find the cheapest car insurance quotes, ask every prospective company how you can save money. Some discounts listed above may not apply in your state. For a list of providers that offer many of these discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

• Is motorclub coverage worth it?
• Do I need added coverage for expensive stereo equipment?
• Do all my vehicles need collision coverage?
• Does my policy cover my teen driver if they drive my company car?
• Am I covered if I hit a deer?
• How much can I save by bundling my policies?
• Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can help protect your family.

Specifics of your auto insurance policy

Understanding the coverages of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, damage from flooding, theft, falling objects and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for short-term medical expenses for funeral costs, prosthetic devices, dental work, chiropractic care and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance pays for damage to your Elantra resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, scraping a guard rail, crashing into a building, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your 1998 Hyundai Elantra.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for liability – Liability coverage can cover damage that occurs to other’s property or people in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like repair costs for stationary objects, attorney fees, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Knowledge is power

We covered many tips how you can compare 1998 Hyundai Elantra insurance premium rates online. The key thing to remember is the more times you quote, the better your chances of lowering your prices. You may be surprised to find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Some auto insurance companies don’t offer price quotes online smaller providers sell through independent agents. Lower-priced auto insurance is definitely available on the web as well as from insurance agents, and you should compare rates from both in order to have the best chance of saving money.

As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. Too many times, an insured cut collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at the lowest possible cost while still protecting your assets.

For more information, take a look at the articles below:

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• Collision Coverage (Liberty Mutual)
• Eight Auto Insurance Myths (Insurance Information Insitute)