Lower Your 2003 Hyundai Elantra Car Insurance Quotes

Feel like you’re a prisoner to an underperforming, overpriced insurance coverage policy? Trust us when we tell you you’re not the only one.

Insurance companies such as Geico, Farmers Insurance and State Farm continually bombard you with fancy advertisements and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

You should make it a habit to shop coverage around at least once a year because rates fluctuate regularly. Even if you think you had the best price on Elantra coverage a couple years back the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but with this article, you’re going to get some of the best ways to slash your insurance coverage rates.

Pay less for 2003 Hyundai Elantra insurance

Auto insurance companies don’t always advertise every available discount in a way that’s easy to find, so we researched some of the best known as well as the least known ways to save on insurance coverage.

  • College Student – Kids in college living away from home attending college without a vehicle on campus may be able to be covered for less.
  • No Charge for an Accident – A few companies will forgive one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Elantra coverage than their less cautious counterparts.
  • Save over 55 – Older drivers can possibly qualify for better insurance coverage rates on Elantra coverage.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Paperwork-free – Certain companies give back up to $50 simply for signing over the internet.
  • Clubs and Organizations – Participating in certain professional organizations could trigger savings on your policy on Elantra coverage.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.

Consumers should know that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky.

A partial list of companies that possibly offer some of the above discounts may include but are not limited to:

Double check with every prospective company which discounts they offer. Discounts might not apply in every state.

The quickest way to get policy rate comparisons is to understand almost all companies allow for online access to provide you with a free rate quote. The only thing you need to do is provide the companies a bit of rating information such as types of safety features, if a SR-22 is required, if the vehicle is leased, and your education level. Your insurance information gets transmitted to insurance companies and they respond with quotes instantly to find the best rate.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different and your policy should reflect that. For example, these questions can aid in determining if you may require specific advice.

  • Will my insurance pay for OEM parts?
  • What happens if I owe more than my 2003 Hyundai Elantra is worth?
  • Is my babysitter covered when using my vehicle?
  • Do I need more liability coverage?
  • Is my ex-spouse still covered by my policy?
  • Should I buy full coverage?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Auto insurance coverages

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like ambulance fees, funeral costs, pain medications, surgery and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for things such as hitting a deer, falling objects, theft and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage covers damage to your Elantra resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, hitting a parking meter, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Liability

Liability insurance can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as medical expenses, emergency aid, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Hyundai Elantra.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

In any little way, save everyday

You just read quite a bit of information on how to get a better price on 2003 Hyundai Elantra insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced insurance coverage comes from a small mutual company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced collision coverage and found out when filing a claim that it was a big error on their part. Your strategy should be to purchase plenty of coverage for the lowest price.

Affordable insurance can be purchased online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.

Additional information