Lower Your 2000 Hyundai Elantra Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Hyundai Elantra? Are you sick and tired of scraping the payment together each month for car insurance? You are in the same boat as the majority of other car owners.

You have so many insurers to choose from, and although it’s a good thing to have a choice, it makes it harder to get the best deal.

You should make it a habit to take a look at other company’s rates periodically because insurance rates are usually higher with each renewal. If you had the lowest rates on Elantra coverage on your last policy you will most likely find a better rate today. Don’t believe everything you read about insurance coverage on the internet, so I’m going to show you some tested techniques to buy insurance coverage cheaper.

Hyundai Elantra premiums are determined by many factors

It’s important that you understand the rating factors that help determine car insurance rates. Knowing what determines base rates allows you to make educated decisions that can help you get better car insurance rates.

The following are some of the items companies use to determine your rates.

  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Higher deductibles cost less – Physical damage coverage, also known as collision and other-than-collision, protects your Hyundai from damage. Examples of covered claims could be colliding with a building, vandalism, and burglary. Deductibles for physical damage are the amount of money you are willing to pay in the event of a claim. The more money you’re willing to pay, the lower your rates will be on Elantra coverage.
  • Lower miles equals lower premium – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based upon how you use the vehicle. Vehicles that are left in the garage qualify for better rates compared to those used for work or business. Verify your car insurance coverage is showing the proper vehicle usage. Incorrect usage on your Elantra can result in significantly higher rates.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for car insurance? Occupations such as doctors, executives and dentists are shown to have the highest average rates attributed to high stress levels and lengthy work days. Other occupations such as farmers, historians and homemakers pay the least on Elantra coverage.

The easiest way to compare rates is to know car insurance companies have advanced systems to give rate comparisons. All you need to do is spend a couple of minutes providing details like driver ages, your occupation, whether the vehicles are used for commuting, and level of coverage desired. That rating data is then submitted to many of the top insurers and you receive quotes quickly.

To find lower rates now, click here and complete the form.

Save money by taking advantage of these discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. Most are applied at quote time, but lesser-known reductions have to be asked about in order for you to get them.

  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with a substantially lower rate.
  • Accident Waiver – A few companies allow you one accident without raising rates as long as you don’t have any claims for a set time period.
  • Student in College – Kids in college who live away from home and do not have a car may qualify for this discount.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Life Insurance – Some companies give a break if you buy life insurance from them.
  • Driver Safety – Completing a driver safety course could save 5% or more and easily recoup the cost of the course.

It’s important to note that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will cut the amount you have to pay.

For a list of companies who offer auto insurance discounts, click here.

When should I use an insurance agent?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For example, these questions might point out whether your personal situation could use an agent’s help.

  • Do all my vehicles need collision coverage?
  • When does my teenage driver need to be added to my policy?
  • Does my insurance cover a custom paint job?
  • Is my camper covered by my car insurance policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage options for a 2000 Hyundai Elantra

Understanding the coverages of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages available from car insurance companies.

Coverage for collisions

This will pay to fix damage to your Elantra resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The maximum amount 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.

Auto liability insurance

This provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU from claims by other people, 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. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as funeral expenses, attorney fees and bail bonds. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like funeral costs, pain medications, X-ray expenses and nursing services. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Find Good Coverage for Less

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Discount 2000 Hyundai Elantra insurance is definitely available online as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance providers don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

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