Cheaper 1999 Hyundai Elantra Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Nobody looks forward to paying for car insurance, especially when the cost is too high. Consumers have many auto insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, it makes it harder to find the best rates.

Finding the best rates is quite easy. If you have a current car insurance policy or are looking for a new policy, you can learn to reduce the price you pay and possibly find even better coverage. Vehicle owners just need to understand the proper methods to compare prices online.

Take discounts and save

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount possible, you are throwing money away.

  • Accident Forgiveness – Certain companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Accident Free – Claim-free drivers pay much less when compared to drivers who are more careless.
  • Government Employees – Active or retired federal employment can save as much as 8% for Elantra insurance with select insurance companies.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Elantra insurance than drivers with accidents.
  • Discount for Swiching Early – A few companies offer discounts for signing up before your current expiration date. The savings is around 10%.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Multi-policy Discount – If you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.

Insurance companies that may have these money-saving discounts are:

  • GEICO
  • MetLife
  • Progressive
  • Travelers
  • SAFECO
  • AAA

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts may not be available in your state.

Why your Hyundai Elantra might be costing you more

Smart consumers have a good feel for the rating factors that come into play when calculating the price you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to lower auto insurance prices.

  • Choose a safe vehicle and save – Safer cars tend to have better insurance rates. These vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If the Hyundai Elantra earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • How many coverages with the same company – Many insurers give discounts to customers who buy several policies from them in the form of a multi-policy discount. Even with this discount, you still need to comparison shop to make sure you are getting the best deal. You may still find a better deal by splitting coverages up.
  • Clean credit earns discounts – A driver’s credit rating is a big factor in your rate calculation. People with high credit scores tend to be more responsible than drivers who have lower credit scores. If your credit can use some improvement, you could pay less to insure your 1999 Hyundai Elantra by improving your credit score.
  • High numbers of claims are not good – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Companies provide lower rates to policyholders who file claims infrequently. Auto insurance is meant to be used in the event of larger claims.
  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations like real estate brokers, social workers and financial analysts tend to have higher average rates in part from stressful work requirements and lengthy work days. Conversely, occupations like actors, engineers and homemakers receive lower rates for Elantra insurance.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.

  • How can I find cheaper teen driver insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Are my friends covered when driving my 1999 Hyundai Elantra?
  • What exactly is covered by my policy?
  • When can I cancel my policy?
  • I have health insurance so do I need medical payments coverage?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

The insurance bait and switch

Consumers constantly see and hear ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. All the ads have a common claim that you can save if you change your policy.

How do they all claim to save you money?

All the different companies have a preferred profile for the type of customer that is profitable for them. An example of a driver they prefer might be profiled as over the age of 40, a clean driving record, and drives less than 7,500 miles a year. A driver who meets those qualifications will get the preferred rates and most likely will save a lot of money.

Potential customers who are not a match for the requirements will be quoted higher prices which leads to the driver buying from a lower-cost company. The ad wording is “people who switch” not “people who quote” save that much. This is how insurance companies can make those claims. This emphasizes why it’s extremely important to quote coverage with many companies. It’s impossible to know which insurance companies will fit your personal profile best.

Insurance coverages 101

Understanding the coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages available from insurance companies.

Collision protection

This coverage will pay to fix damage to your Elantra caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, backing into a parked car, crashing into a ditch, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills for nursing services, EMT expenses and funeral costs. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

This coverage provides protection from damage that occurs to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values 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 $50,000 of coverage for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, funeral expenses and court costs. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, fire damage, damage from getting keyed, a broken windshield and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Shop around and save

Cheaper 1999 Hyundai Elantra insurance can be bought from both online companies in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. In many instances, someone dropped full coverage only to discover later that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

We’ve covered many ways to shop for insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with some of the smallest insurance companies. They may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, GEICO and Progressive.

Much more information about insurance coverage can be read below:

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