1997 Hyundai Elantra Insurance Quotes – 6 Ways to Save

Finding low-cost insurance for a Hyundai Elantra can be an all-consuming task, but you can use our car insurance buying tips to find lower rates. There is a better way to shop for car insurance and we’ll show you the absolute fastest way to compare rates for your Hyundai and obtain the cheapest rates from local insurance agents and online providers.

Smart consumers take time to do rate comparisons on a regular basis because insurance rates are variable and change quite frequently. If you had the lowest price on Elantra coverage on your last policy a different company probably has better rates today. There is too much inaccurate information about car insurance on the web, but I’m going to show you some good information on how to stop overpaying for insurance.

How much can you save with these six discounts?

Auto insurance companies don’t always list every available discount very well, so we took the time to find some of the best known and the harder-to-find ways to save on insurance coverage. If you don’t get every credit possible, you’re paying more than you need to.

  • Seat Belt Usage – Requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Elantra coverage with a few insurance coverage companies.
  • Own a Home – Simply owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. The good student discount can last until age 25.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • E-sign – A handful of insurance companies may give you up to $50 for buying a policy and signing up online.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

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

Check with each insurance company which discounts they offer. Discounts might not be offered in every state.

How much car insurance do I need?

When choosing adequate coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if you could use an agent’s help.

  • Does my 1997 Hyundai Elantra qualify for pleasure use?
  • When should I buy a commercial auto policy?
  • Does coverage extend to Mexico or Canada?
  • What if I don’t agree with a claim settlement offer?
  • Will my insurance pay for OEM parts?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need added coverage for expensive stereo equipment?
  • Should I buy only the required minimum liability coverage?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement.

Liability insurance – Liability coverage can cover injuries or damage you cause to other’s property or people. 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 policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as repair bills for other people’s vehicles, repair costs for stationary objects, medical services, funeral expenses and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Collision coverage – Collision insurance pays for damage to your Elantra from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a ditch, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from 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 coverage protects against claims like fire damage, damage from getting keyed, falling objects and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Hyundai Elantra.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments – Med pay and PIP coverage provide coverage for immediate expenses for surgery, EMT expenses and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Summing up your insurance search

Cheap 1997 Hyundai Elantra insurance is definitely available from both online companies in addition to many insurance agents, and you need to price shop both to have the best selection. Some companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. Too many times, consumers will sacrifice liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at a price you can afford.

We covered quite a bit of information on how to save on insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may even find the biggest savings come from a smaller regional carrier.

Additional detailed information can be read in these articles: