Cheaper 2013 Hyundai Elantra Insurance Cost

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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: Dec 2, 2021

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Looking for cheaper insurance rates for your Hyundai Elantra? I can’t think of a single person who enjoys paying for insurance, in particular when the price is too high. Drivers have so many car insurance companies to choose from, and though it is a good thing to have a selection, too many choices makes it more difficult to compare rates.

You should take the time to do rate comparisons every six months since insurance rates are constantly changing. Just because you had the lowest rates for Elantra coverage two years ago the chances are good that you can find a lower rate today. So forget anything you know (or think you know) about insurance because it’s time to teach you how to use online quotes to find lower rates on insurance.

Buying car insurance is quite easy. If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Drivers just need to understand the best way to find the lowest price online.

The quickest way to compare car insurance company rates is to understand almost all companies participate in online systems to provide you with free rate quotes. All you need to do is give them rating details like the type of vehicles you drive, types of safety features, daily mileage, and if you are currently licensed. Those rating factors is instantly submitted to multiple different insurance companies and they provide comparison quotes with very little delay.

Can switching companies really save?

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. All the ads have a common claim of big savings if you move to them.

How do they all make the same claim?

Different companies are able to cherry pick for the type of customer that makes them money. For instance, a preferred risk might be profiled as between the ages of 30 and 50, has no driving citations, and has a high credit rating. A propective insured that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who do not match the “perfect” profile will be charged a higher premium and this can result in the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save that much. This is how companies can truthfully advertise the way they do. That is why it is so important to compare as many rates as you can. It is impossible to predict which insurance companies will provide you with the cheapest Hyundai Elantra insurance rates.

Policy discounts you shouldn’t miss

Auto insurance companies don’t always list every discount very clearly, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

  • Multiple Policy Discount – If you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Student Driver Training – Have your child complete a driver education course in school.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Clubs and Organizations – Being a member of a qualifying organization is a good way to get lower rates when buying insurance coverage for Elantra coverage.
  • Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy could earn a price break for each car.
  • E-sign – A handful of insurance companies may give you up to $50 just for signing your application digitally online.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Elantra coverage than less cautious drivers.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.

It’s important to note that many deductions do not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. So when the math indicates you could get a free insurance coverage policy, you won’t be that lucky.

A partial list of companies who might offer these discounts are:

  • American Family
  • Farm Bureau
  • State Farm
  • Travelers
  • The Hartford
  • GEICO
  • Progressive

Check with each company which discounts you may be entitled to. Savings might not apply everywhere.

Insurance agents can help

When choosing the best insurance coverage coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • Are my tools covered if they get stolen from my vehicle?
  • At what point should I drop full coverage?
  • Is my ex-spouse still covered by my policy?
  • What can I do if my company won’t pay a claim?
  • Am I insured when driving a different vehicle?
  • When should my teen driver be added to my policy?
  • Does liability extend to a camper or trailer?
  • How high should my medical payments coverage be?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

Insurance coverages and their meanings

Having a good grasp of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Auto liability

Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things such as attorney fees, repair costs for stationary objects and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for collisions

This covers damage to your Elantra resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pot hole, crashing into a ditch, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, damage from flooding, falling objects, hail damage and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Hyundai Elantra.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like dental work, ambulance fees, X-ray expenses and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Don’t be a big spender

Cheaper 2013 Hyundai Elantra insurance is attainable online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

To learn more, take a look at the articles below:

  • Should I Buy a New or Used Car? (Allstate)
  • Distracted Driving (Insurance Information Insitute)
  • Airbag FAQ (iihs.org)
  • Child Safety Seats (Insurance Information Insitute)
  • Rental Reimbursement Coverage (Allstate)
  • State Car Insurance Guides (GEICO)

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