Save on 2016 Hyundai Elantra GT Car Insurance Cost 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: Apr 26, 2024

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Want the cheapest auto insurance rates for your Hyundai Elantra GT? Do you get exhausted from sacrificing other expenses to keep your car insured? You have the same problem as millions of other vehicle owners. Due to the fact that there are so many online and local companies to choose from, it is hard for the average consumer to locate the best insurance company.

Learn how to buy insurance for less

Many factors are considered when pricing auto insurance. Some are obvious like your driving record, although others are not as apparent such as your marital status or your financial responsibility.

  • Married drivers get better costs – Your spouse may cut your premiums when buying insurance. Having a significant other demonstrates that you tend to be more financially stable it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Women pay lower costs – Over time, data shows that females take fewer risks when driving. This data doesn’t prove that men are worse drivers. Men and women are responsible for accidents at a similar rate, but males have accidents that have higher claims. Men also tend to get cited for more serious violations like DWI (DUI) or reckless driving.
  • Liability insurance is cheap – Your insurance policy’s liability coverage is the protection in the event that you are determined to be liable for an accident. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Lower rates for cars with good safety ratings – Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles built for safety reduce injuries and fewer injuries means less money paid by your insurance company which can result in lower premiums. If your Hyundai Elantra GT scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Teenage drivers pay more – Beginning drivers have a tendency to be less responsible in a vehicle so they pay higher insurance rates. Mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Save money with high credit – A driver’s credit score will be a significant factor in determining what you pay. If your credit score is not that good, you could pay less to insure your 2016 Hyundai Elantra GT by spending a little time repairing your credit. People that have good credit tend to be better risks to insure than drivers who have bad credit.
  • Consolidate and save – Most companies afford better rates to people who have multiple policies with them. It’s known as a multi-policy discount. Even though this discount sounds good, you still need to compare other insurance prices to help ensure you have the lowest rates.

Buy auto insurance online

Finding more affordable auto insurance quotes isn’t really that difficult. The only requirement is to take time to get quotes from different insurance companies. This can be accomplished by using one of the methods below.

The best way to find low rates is to use a rate comparison form. This method keeps you from doing boring form submissions for each company. Taking the time to complete one form gets insurance cost estimates from several companies.

A different way to compare rate quotes requires a visit to the website for each individual company and fill out their own quote form. For instance, let’s say you want to see prices from Liberty Mutual, Safeco and State Farm. In order to get each rate, you would have to visit each site and punch in your information repeatedly, which explains why we recommend starting with the first method.

The least recommended method to comparison shop rate quotes is calling or driving to all the different insurance agencies. The ability to get quotes online makes this process obsolete unless you have a need for the extra assistance only provided by licensed agents. If you prefer, some companies allow you to get the lowest quotes online but buy from a local insurance agent.

It doesn’t matter which method you choose, just be certain you are entering the same coverage limits on every price quote you get. If each company quotes different liability limits it’s not possible to determine the best price for your Hyundai Elantra GT.

Get affordable insurance coverage quotes with discounts

Not too many consumers would say insurance coverage is affordable, but you might be missing out on some discounts that many people don’t even know exist. Certain reductions will be credited when you get a quote, but occasionally some discounts must be asked about prior to receiving the credit.

  • Early Switch Discount – Select insurance companies give a discount for switching companies early. This discount can save up to 10%.
  • Claim Free – Insureds who avoid accidents and claims can save substantially when compared to accident-prone drivers.
  • Cautious Driver Discount – Safe drivers can get discounts for up to 45% lower rates on Elantra GT coverage than less cautious drivers.
  • Save over 55 – Seniors may qualify for better insurance coverage rates on Elantra GT coverage.
  • E-sign – Some larger companies may give you up to $50 for buying a policy and signing up on your computer.
  • Membership in Organizations – Participating in a professional or civic organization could earn you a nice discount on your bill.
  • Discount for Low Mileage – Maintaining low annual mileage could qualify for slightly better premium rates than normal.
  • Full Payment Discount – By paying your entire bill at once rather than paying in monthly installments you can avoid the installment charge.
  • Discount for Good Grades – Being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.

A little disclaimer on discounts, most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. Even though it appears you could get a free insurance coverage policy, it just doesn’t work that way.

A few of the larger companies and their offered discounts can be found below.

  • State Farm offers premium reductions for multiple policy, defensive driving training, Steer Clear safe driver discount, good driver, anti-theft, safe vehicle, and driver’s education.
  • Liberty Mutual offers discounts for newly retired, new vehicle discount, multi-car, multi-policy, safety features, hybrid vehicle, and preferred payment discount.
  • American Family may have discounts that include good student, Steer into Savings, multi-vehicle, early bird, and TimeAway discount.
  • Progressive offers discounts including multi-policy, continuous coverage, good student, homeowner, and online quote discount.
  • Farmers Insurance may offer discounts for bundle discounts, youthful driver, alternative fuel, distant student, teen driver, and switch companies.
  • Auto-Owners Insurance has savings for safe driver, multiple vehicles, multi-policy, anti-lock brakes, and air bags.
  • SAFECO includes discounts for safe driver, teen safe driver, accident prevention training, teen safety rewards, bundle discounts, homeowner, and drive less.

If you need cheap insurance quotes, ask all the companies the best way to save money. Savings may not be available in your state. To view insurers that offer the discounts shown above, enter your zip code here.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Is there coverage for injuries to my pets?
  • How much liability do I need to cover my assets?
  • Does car insurance cover theft of personal property?
  • Do I need PIP coverage since I have good health insurance?
  • Is my trailer covered?
  • How high should my medical payments coverage be?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete your zip code. It only takes a few minutes and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types offered by auto insurance companies.

Liability coverage

This coverage can cover injuries or damage you cause to people or other property in an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability can pay for claims such as medical services, funeral expenses, structural damage and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills such as doctor visits, X-ray expenses, pain medications, dental work and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2016 Hyundai Elantra GT.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverage protection

Collision coverage will pay to fix damage to your Elantra GT resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, hitting a bird and fire damage. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

More choices the merrier

We just showed you quite a bit of information on how to save on 2016 Hyundai Elantra GT insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding affordable insurance. You may be surprised to find that the lowest car insurance rates are with a lesser-known regional company. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

When getting insurance quotes online, do not buy less coverage just to save a little money. There are a lot of situations where drivers have reduced liability limits or collision coverage and learned later they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

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