How Much Does 2017 Hyundai Elantra Insurance Cost?

Tired of paying out the nose each month for car insurance? Your situation is no different than most other car owners.

With so many insurance providers from which to choose, it’s difficult to choose the cheapest insurance company.

Buying car insurance is quite easy. Essentially every vehicle owner who has to buy insurance should be able to save money. Although drivers must understand how the larger insurance companies market insurance on the web and use this information to your advantage.

Insurance Prices Online

Effectively comparing insurance prices can take hours if you don’t know the fastest way to get free quotes. You could spend your day talking to insurance agencies in your area, or you could save time and use the web to accomplish the same thing much quicker.

Many companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and every company then returns a price quote determined by their information. This prevents consumers from doing form submissions for each company you want a rate for.

To find out how much you can save on insurance click here (opens in new window).

One minor caviat to doing it this way is that consumers can’t choose which companies to get pricing from. So if you prefer to pick from a list of companies to compare prices, we have assembled a list of low cost insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverage limits and deductibles for each price quote. If each company quotes different values for each quote it will be very difficult to determine the best price for your Hyundai Elantra. Having just a slight variation in limits may cause a big price difference. And when quoting insurance, remember that getting more free quotes will improve the odds of getting the best price.

Different people need different coverages

When it comes to choosing the best car insurance coverage, there is no cookie cutter policy. Each situation is unique so your insurance should reflect that For instance, these questions might point out whether or not you may require specific advice.

  • Can my babysitter drive my car?
  • I don’t drive much so do I pay less?
  • Does my 2017 Hyundai Elantra qualify for pleasure use?
  • Does my policy cover my teen driver if they drive my company car?
  • What can I do if my company denied a claim?
  • Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

The coverage is in the details

Knowing the specifics of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on most insurance policies.

Auto liability – Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as loss of income, structural damage, attorney fees, medical expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as rehabilitation expenses, surgery, EMT expenses and hospital visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision – Collision insurance pays for damage to your Elantra resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, crashing into a ditch, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, damage from getting keyed and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.