2014 Hyundai Elantra GT Car Insurance Quotes – 7 Savings Tips

Consumers have a choice when looking for the best price on Hyundai Elantra GT insurance. You can either spend your time contacting agents getting price quotes or use the internet to compare rates. There are more efficient ways to shop for car insurance so you’re going to learn the quickest way to price shop coverage on a Hyundai and find the lowest possible price from both online companies and local agents.

Comprehensive Insurance Comparison Quotes

Getting better 2014 Hyundai Elantra GT insurance pricing doesn’t have to be difficult. All that’s required is to take a few minutes getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

  • One of the simplest ways consumers can analyze rates is to use a rate comparison form click to view form in new window. This type of form keeps you from doing repetitive form submissions for each company. Taking the time to complete one form gets you price quotes instantly. It’s the fastest way to compare.
  • A harder way to compare rate quotes is to manually visit the website of each company to complete a price quote. For sake of this example, let’s assume you want comparison quotes from Progressive, Esurance and State Farm. To find out each rate you need to visit each site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

However you get your quotes, compare the exact same coverages for every company. If each company quotes mixed coverages it will be next to impossible to determine the best price for your Hyundai Elantra GT.

Don’t overlook these seven discounts

Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so we took the time to find some of the best known and the harder-to-find insurance coverage savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Life Insurance Discount – Some companies give lower rates if you buy a life insurance policy as well.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Homeowners Discount – Owning a house may trigger a insurance coverage policy discount because maintaining a house demonstrates responsibility.
  • Accident Free – Claim-free drivers pay much less compared to accident-prone drivers.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Organization Discounts – Affiliation with certain professional organizations may earn a discount when buying insurance coverage on Elantra GT coverage.
  • Paperwork-free – Certain companies may give you up to $50 for buying a policy and signing up digitally online.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you could get a free insurance coverage policy, it doesn’t quite work that way.

For a list of providers with the best insurance coverage discounts, click this link.

Is my situation unique?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

For example, these questions could help you determine whether or not you could use an agent’s help.

  • Do I benefit by insuring my home with the same company?
  • Am I covered when using my vehicle for business?
  • Do I have newly-aquired coverage?
  • Should I carry comprehensive and collision coverage?
  • When should I remove comp and collision on my 2014 Hyundai Elantra GT?
  • Does my car insurance cover rental cars?
  • Is business equipment covered while in my vehicle?
  • What is no-fault insurance?
  • Why is insurance for a teen driver so high?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Auto insurance coverages 101

Knowing the specifics of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, a tree branch falling on your vehicle, vandalism and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills like surgery, nursing services, dental work, hospital visits and chiropractic care. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Hyundai Elantra GT.

Since many 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 a good idea.

Collision protection

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

Collision coverage pays for claims like hitting a parking meter, hitting a mailbox, sideswiping another vehicle, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability coverages

This protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different 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 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as medical services, pain and suffering, structural damage, funeral expenses and emergency aid. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Never pay more for less

Insureds who switch companies do it for many reasons like poor customer service, unfair underwriting practices, high prices or even extreme rates for teen drivers. It doesn’t matter what your reason, finding a new company is not as hard as you think.

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at an affordable rate.

We just covered a lot of tips how to compare 2014 Hyundai Elantra GT insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the best prices are with a smaller regional carrier.

More detailed insurance coverage information can be read by following these links: