2009 Hyundai Elantra Touring Insurance Rates – 8 Ways to Save

Looking for cheaper insurance rates for your Hyundai Elantra Touring? No sane person is fond of buying insurance, particularly when they could find better rates elsewhere. Many insurers vie for your insurance dollar, so it’s not easy to compare every insurance company to find the absolute lowest cost out there.

It’s smart to do price comparisons yearly because insurance prices change frequently. Just because you had the best rates for Elantra Touring coverage a year ago you can probably find a lower rate today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the right way to buy cheaper insurance.

If you have insurance now or are shopping for new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. Buying car insurance is not rocket science. Drivers only need an understanding of the proper way to get comparison rates online.

How to buy insurance online

There are a variety of methods you can shop for insurance and some are less time-consuming than others. You can waste a lot of time driving to local insurance agents in your area, or you can utilize the web to get pricing more quickly.

Most major companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each company provides a quote for coverage. This eliminates the need for quotation requests to every company.

To find out what other companies charge click here to open in new window.

The one disadvantage to using this type of form is you can’t choose the insurers you want to price. So if you want to choose specific insurance companies to compare prices, we have assembled a list of the cheapest insurance companies in your area. View list of insurance companies.

Whichever way you use, be sure you’re using the exact same quote information on every quote. If the quotes have different limits and deductibles on each one it will be nearly impossible to truly determine the lowest rate.

Drivers can save with with these eight discounts

Auto insurance is easily one of your largest bills, but you may find discounts that you may not even know about. Some of these disounts will be visible when you get a quote, but some discounts are required to be requested specifically before you will receive the discount.

  • Government Employees – Having worked for a branch of the government can save as much as 8% for Elantra Touring coverage depending on your company.
  • No Charge for an Accident – This one isn’t a discount, but companies like Allstate and State Farm permit an accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
  • Low Miles Discount – Maintaining low annual mileage could qualify for cheaper rates.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in school or through a local driver safety program.
  • Senior Citizens – Mature drivers may be able to get a discount up to 10% for Elantra Touring coverage.
  • Distant Student Discount – Children who are attending college and leave their car at home could qualify for this discount.
  • Save with More Vehicles Insured – Buying a policy with several vehicles on a single policy can get a discount on all vehicles.

As a disclaimer on discounts, most credits do not apply the the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, it’s just not the way it works.

Insurance companies that may include these benefits possibly include:

Before purchasing a policy, check with all companies you are considering which discounts can lower your rates. All car insurance discounts may not be available in your area.

Your situation helps dictate your coverage

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

  • When should I drop full coverage on my 2009 Hyundai Elantra Touring?
  • Is my teenager covered with friends in the car?
  • Why am I required to get a high-risk car insurance policy?
  • How can I force my company to pay a claim?
  • Is there coverage for injuries to my pets?
  • Am I missing any policy discounts?
  • What if I total my 2009 Hyundai Elantra Touring and owe more than it’s worth?
  • Am I covered if I hit a deer?
  • How do I insure my teen driver?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Insurance coverage considerations

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Hyundai Elantra Touring.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, surgery, EMT expenses and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Auto liability – This coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like repair bills for other people’s vehicles, repair costs for stationary objects, attorney fees, pain and suffering and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Collision coverage – This covers damage to your Elantra Touring from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, crashing into a building, hitting a mailbox, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, hitting a deer and rock chips in glass. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.