View 1995 Hyundai Elantra Car Insurance Quotes

Looking for lower insurance rates for your Hyundai Elantra? Are you a victim of high-priced insurance? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Because you have many options, it can be impossible to locate the most affordable company.

Where Can I Get Cheap Auto Insurance?

All the larger auto insurance companies give price estimates on their websites. The process doesn’t take much effort as you simply type in your required coverages into the quote form. After you complete the form, their rating system makes automated requests for credit information and your driving record and gives you a price quote based on many factors. Online quotes makes it a lot easier to compare rates but the work required to visit a lot of sites and complete many quote forms can get tiresome after awhile. But it is imperative to compare as many rates as possible in order to get a lower rate.

The quickest way to find better auto insurance pricing utilizes a single form that obtains quotes from a lot of companies. The form is fast, requires less work, and makes online quotes much more enjoyable. After sending the form, it is quoted and you are able to buy your choice of the quote results. If you find a better price it’s easy to complete the application and buy the policy. The entire process takes just a few minutes to complete and could lower your rates considerably.

If you want to get comparison pricing now, click here to open in new window and submit the form. If you currently have coverage, we recommend you copy the coverages just like they are on your policy. Doing this guarantees you’re receiving a fair comparison for similar coverage.

Don’t miss these discounts

Car insurance companies don’t always list every available discount very clearly, so we researched both well-publicized as well as the least known ways to save on car insurance. If you’re not getting every credit possible, you’re paying more than you need to.

  • Organization Discounts – Affiliation with a qualifying organization could trigger savings on your policy for Elantra coverage.
  • Accident Free – Claim-free drivers pay less as compared to drivers who are more careless.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Elantra coverage with a few car insurance companies.
  • Air Bag Discount – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Driver Safety – Taking a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiration. This can save 10% or more.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may save approximately 10% to 15%.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, car insurance companies aren’t that generous.

Companies that may offer these discounts may include but are not limited to:

Double check with all companies you are considering which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

When might I need help?

When it comes to buying coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions may help you determine if your situation may require specific advice.

  • Should I rate my 1995 Hyundai Elantra as pleasure use or commute?
  • Where can I find high-risk insurance?
  • Is my Hyundai Elantra covered if I use it for business?
  • Does liability extend to a camper or trailer?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Why does it cost so much to insure a teen driver?
  • Do I need added coverage for expensive stereo equipment?
  • How can I get my company to pay me more for my totalled car?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Having a good grasp of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like rehabilitation expenses, doctor visits, hospital visits and chiropractic care. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

This pays for damage to your Elantra caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, hitting a parking meter, rolling your car, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Hyundai Elantra.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, damage from getting keyed and vandalism. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

This protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like repair bills for other people’s vehicles, structural damage and emergency aid. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.