1993 Hyundai Elantra Car Insurance Rates – 5 Tips for Cheaper Quotes

Buying the cheapest insurance on the internet may be challenging for consumers not familiar with price shopping online. With so many choices of choices, how can drivers even start to compare them all to find the lowest price available?

It’s smart to do rate comparisons occasionally because prices are usually higher with each renewal. Despite the fact that you may have had the lowest rates on Elantra insurance a couple years back you can probably find a lower rate today. So just ignore everything you know about insurance because you’re about to learn the proper way to save on insurance.

The easiest way to compare rates utilizes the fact auto insurance companies provide online access to give you rate quotes. The only thing you need to do is spend a couple of minutes providing details such as marital status, types of safety features, if you have an active license, and your credit rating estimate. Your insurance information is then sent to multiple companies and you should receive rate quotes very quickly.

These five discounts can lower your rates

Auto insurance companies don’t necessarily list every available discount very well, so we researched both the well known and the more hidden savings tricks you should be using.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on Elantra insurance than drivers with accidents.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Hyundai can qualify you for lower rates on the low mileage vehicles.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

For a list of companies who offer auto insurance discounts, follow this link.

Different people need different coverages

When it comes to choosing the best car insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different.

For instance, these questions may help you determine if your insurance needs might need professional guidance.

  • Is other people’s property covered if stolen from my vehicle?
  • At what point should I drop full coverage?
  • Should I buy full coverage?
  • What happens if I owe more than my 1993 Hyundai Elantra is worth?
  • How many claims can I have before being cancelled?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance coverages

Knowing the specifics of auto insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision coverage

This pays for damage to your Elantra resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, crashing into a building, hitting a parking meter, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, a tree branch falling on your vehicle and a broken windshield. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses such as nursing services, funeral costs and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage


Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

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 limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims like repair bills for other people’s vehicles, funeral expenses, legal defense fees and loss of income. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 1993 Hyundai Elantra.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Best coverage at the best price

We’ve covered many ways to compare 1993 Hyundai Elantra insurance prices online. It’s most important to understand that the more you quote, the better your comparison will be. You may be surprised to find that the lowest priced auto insurance comes from the smaller companies.

Drivers leave their current company for a number of reasons such as questionable increases in premium, denial of a claim, lack of trust in their agent and even extreme rates for teen drivers. No matter why you want to switch, switching auto insurance companies is not as difficult as it may seem.

Lower-priced insurance can be bought both online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

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