Cheap 2013 Hyundai Elantra Coupe Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 13, 2024

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Looking for lower car insurance rates for your Hyundai Elantra Coupe? Wish you could get out of high-priced car insurance? It’s a common feeling and many consumers are feeling buyer’s remorse and feel like there’s no way out.

Due to the large number of insurance companies to choose from, it can be hard to find the most cost effective car insurance company.

Save money by earning discounts

Not many people think insurance is cheap, but you may be missing some discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically when you quote, but some must be asked about in order for you to get them.

  • Air Bag Discount – Cars that have air bags or automatic seat belts can get savings of up to 25% or more.
  • Early Signing – A few companies allow discounts for switching policies early. You may see this discount when you get insurance coverage quotes online.
  • Multi-policy Discount – If you combine your auto and home policies with one company you could get a discount of as much as 10 to 15 percent.
  • Savings for New Vehicles – Buying a new car model can get you a discount compared to insuring an older model.
  • Auto/Life Discount – Select insurance companies reward you with a discounted rate on car insurance if you buy life insurance from them.

As a sidenote, most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like you could get a free insurance coverage policy, it just doesn’t work that way.

Larger insurance coverage companies and some of the discounts can be read below.

  • Esurance discounts include defensive driver, emergency road assistance, anti-theft, DriveSense, online shopper, and claim free.
  • The Hartford has savings for anti-theft, air bag, bundle, good student, driver training, vehicle fuel type, and defensive driver.
  • AAA may include discounts for anti-theft, AAA membership discount, good student, good driver, multi-policy, education and occupation, and multi-car.
  • GEICO offers discounts for five-year accident-free, seat belt use, multi-policy, defensive driver, and anti-theft.
  • State Farm may have discounts that include passive restraint, accident-free, defensive driving training, student away at school, Steer Clear safe driver discount, and multiple autos.

When quoting, ask each insurance company how many discounts you can get. Some discounts might not apply in every state.

How to get insurance rate quotes

Most major insurance companies allow consumers to get pricing online. Getting prices online can be done by anyone because it’s just a matter of typing in your personal and coverage information into a form. Upon sending the form, their quoting system automatically orders reports for credit and driving violations and gives you a price quote based on the data you entered. Being able to quote online streamlines rate comparisons, but the time it takes to visit multiple sites and fill out multiple forms is not the best way to spend an afternoon. But it’s also necessary to compare as many rates as possible if you want to find better prices.

The easy way to compare rates

A less time-consuming method to find lower prices uses one simple form that obtains quotes from multiple companies. This type of form saves time, eliminates repetitive work, and makes price shopping online much more enjoyable. After your information is entered, it gets priced and you can choose any or none of the price quotes you receive.

If a lower price is quoted, you can click and sign and buy the new coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly find out how much you can save on insurance, simply enter your zip code here and submit the form. If you have coverage now, it’s recommended you enter deductibles and limits identical to your current policy. Doing this assures you will receive a price comparison for exact coverage.

Hyundai Elantra Coupe insurance rate factors

Multiple criteria are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, but other criteria are more transparent like your vehicle usage or how safe your car is. The best way to find cheaper insurance coverage is to take a look at the factors that aid in calculating the price you pay for insurance coverage. If you know what controls the rates you pay, this allows you to make educated decisions that may result in lower insurance coverage prices.

The items below are some of the factors that factor into rates.

  • Low coverage deductibles cost more – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some instances where coverage would apply are colliding with a building, hail damage, and having your car stolen. Deductibles for physical damage represent how much money you are required to spend out-of-pocket if the claim is covered. The more you have to pay, the better rate you will receive on Elantra Coupe insurance.
  • Multiple policies with one company can save – Lots of insurance companies allow better rates for people who buy several policies from them, otherwise known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount applied, drivers will still want to compare other insurance prices to help ensure you have the lowest rates.
  • Don’t buy extra policy coverages that may not be needed – There are many extra add-on coverages that you can buy if you don’t pay attention. Coverages like vanishing deductibles, accidental death, and additional equipment coverage may be wasting your money. They may sound like good ideas when you first buy your policy, but if they’re wasting money consider taking them off your policy.
  • Accidents inflate prices – Being a careful driver has a huge affect on how much you pay. Good drivers tend to pay less for car insurance as compared to those with violations. Just one moving violation can bump up the cost twenty percent or more. Drivers who have dangerous violations like reckless driving or DUI may find they need to complete a SR-22 with their state in order to drive a vehicle legally.
  • Save by driving vehicles with better crash test results – Cars with five star safety ratings tend to have lower insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If the Hyundai Elantra Coupe has at least four stars on or an “acceptable” rating on you may be receiving a better rate.
  • Where you live can impact rates – Residing in smaller towns and rural areas of the country is a positive aspect when it comes to insurance coverage. People who live in big cities regularly have much more traffic and more time behind the wheel. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
  • Insurance coverage policy lapses increase prices – Driving with no insurance is a big no-no and companies may charge more for letting your insurance lapse. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you a steep fine or even jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.

Your car insurance coverage should be tailored to you

When buying adequate coverage, there really is not a “perfect” insurance plan. Every situation is different so this has to be addressed. Here are some questions about coverages that might help in determining if you may require specific advice.

  • What is an SR-22 filing?
  • Why is insurance for a teen driver so high?
  • Do I need replacement cost coverage?
  • Do I need rental car coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Does liability extend to a camper or trailer?
  • Is my trailer covered?
  • Can I afford to buy a different vehicle if my 2013 Hyundai Elantra Coupe is totaled?
  • What discounts do I qualify for?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete your zip code.

Specific coverage details

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverages available from car insurance companies.

Collision coverage

Collision insurance will pay to fix damage to your Elantra Coupe resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive car insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, damage from getting keyed, damage from a tornado or hurricane and hitting a deer. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Hyundai Elantra Coupe.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses for things like EMT expenses, funeral costs, doctor visits, ambulance fees and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Liability coverages

This coverage will cover injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like emergency aid, medical services, attorney fees and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Coverage on a shoestring budget

In this article, we presented many ways to compare 2013 Hyundai Elantra Coupe insurance premium rates online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting the cheapest insurance coverage. You may even discover the best premium rates are with the smaller companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There are many occasions where drivers have reduced liability limits or collision coverage and learned later that it was a big error on their part. The proper strategy is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

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