Auto Insurance Quotes for a Hyundai Elantra in Philadelphia

Searching for lower-priced auto insurance rates in Philadelphia, PA? Philadelphia shoppers have lots of choices when shopping for low-cost Hyundai Elantra insurance. You can either waste hours struggling with agents to compare prices or save time using the internet to find the lowest rates.

There are both good and bad ways to compare auto insurance rates and we’ll show you the best way to get price quotes for your Hyundai and locate the cheapest rates either online or from Philadelphia insurance agents.

Insurance for Hyundai ElantraIt’s a fact that insurance companies don’t want you to look for cheaper rates. Insureds who shop rates annually are inclined to buy a different policy because they have a good chance of getting low-cost coverage. A recent survey discovered that people who regularly compared price quotes saved as much as $3,500 over four years compared to those who never shopped around.

If finding the best rates on insurance is why you’re reading this, understanding the best ways to find and compare insurance coverage can make it easier to find better rates.

It’s smart to get comparison quotes quite often since insurance prices go up and down regularly. If you had the lowest rate on Hyundai Elantra insurance in Philadelphia on your last policy there may be better deals available now. Ignore everything you know about auto insurance because we’re going to show you one of the easiest ways to find better rates and still maintain coverage.

If you have insurance now or are just looking to switch companies, you can use this information to get lower rates while maximizing coverage. This article’s intent is to let you in on how car insurance companies work and also save some money in the process Smart shoppers only need an understanding of the most time-saving way to quote multiple rates from many different companies.

Six Tips to Get Lower-cost Philadelphia Insurance Costs

Smart consumers have a good feel for the factors that play a part in calculating your policy premiums. If you know what determines premiums, this allows you to make educated decisions that could result in better insurance rates. Lots of things are considered when you get your auto insurance bill. Some are obvious such as your driving history, although some other factors are more transparent like your continuous coverage or how financially stable you are.

The quickest method we recommend to compare insurance rates from multiple companies utilizes the fact most of the larger companies participate in online systems to give rate comparisons. All you need to do is provide a little information including whether or not you need a SR-22, if the car is leased, types of safety features, and the type of vehicles you drive. That rating data is automatically sent to all major companies and you will get price comparisons instantly.

To check rates for your car now, click here and enter your coverage details.

The car insurance companies shown below provide quotes in Philadelphia, PA. If more than one company is shown, it’s highly recommended you visit several of them to get a more complete price comparison.

Rates and other information

The price information below covers a range of insurance rates for Hyundai Elantra models. Having a better understanding of how rates are established can help guide drivers when making decisions when choosing a new policy provider.

Hyundai Elantra Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $214 $346 $286 $16 $86 $948 $79
Elantra Blue 4-Dr Sedan $214 $494 $336 $20 $100 $1,164 $97
Elantra GLS 4-Dr Sedan $246 $494 $336 $20 $100 $1,196 $100
Elantra SE 4-Dr Sedan $246 $494 $336 $20 $100 $1,196 $100
Elantra SE Touring Station Wagon $246 $420 $286 $16 $86 $1,054 $88
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in specific location which can decrease or increase price quotes considerably.

Comparison of policy deductibles

When buying insurance, a common question is how high should the physical damage coverage deductibles be. The comparisons below can help you visualize how much more you’ll pay when you buy lower versus higher coverage deductibles. The first data set uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Hyundai Elantra insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $246 $420 $280 $16 $84 $1,071 $89
Elantra Blue 4-Dr Sedan $246 $602 $330 $20 $98 $1,321 $110
Elantra GLS 4-Dr Sedan $284 $602 $330 $20 $98 $1,359 $113
Elantra SE 4-Dr Sedan $284 $602 $330 $20 $98 $1,359 $113
Elantra SE Touring Station Wagon $284 $512 $280 $16 $84 $1,201 $100
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Hyundai Elantra insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $180 $284 $280 $16 $84 $844 $70
Elantra Blue 4-Dr Sedan $180 $408 $330 $20 $98 $1,036 $86
Elantra GLS 4-Dr Sedan $206 $408 $330 $20 $98 $1,062 $89
Elantra SE 4-Dr Sedan $206 $408 $330 $20 $98 $1,062 $89
Elantra SE Touring Station Wagon $206 $346 $280 $16 $84 $932 $78
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in specific Philadelphia garaging location which can revise rates considerably.

Based on the above data, using a $100 deductible will cost you about $23 more each month or $276 for a full year than requesting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 17 months between claims, you would more than likely save some money if you choose the higher deductible.

The example below demonstrates how deductibles and can increase or decrease Hyundai Elantra premium costs for each age group. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Age-based insurance rates by gender in Philadelphia

The information below shows the difference between Hyundai Elantra yearly insurance costs for male and female drivers. The rate quotes are based on no violations or accidents, full physical damage coverage, $500 deductibles, drivers are single, and no policy discounts are applied.

Cost of full coverage

The example below shows the comparison of Hyundai Elantra car insurance costs with and without physical damage coverage. Data assumes no violations or accidents, $100 deductibles, marital status is single, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no definitive guideline for phasing out physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Hyundai Elantra claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after the deductible is paid. If you are paying over $400 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some circumstances where dropping physical damage coverage is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.

Three reasons to insure your vehicle

Despite the high insurance cost for a Hyundai Elantra in Philadelphia, insurance may be required for several reasons.

The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. Despite what companies tell you, the average driver is wasting up to $869 every year so you should quote and compare rates at least once a year to be sure current rates are still competitive.

Get cheaper Hyundai Elantra insurance in Philadelphia with discounts

Some companies don’t always publicize the complete list of policy discounts very clearly, so the following list contains a few of the more common and also the more inconspicuous discounts that may be available.Auto insurance discounts

Just know that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, insurance companies wouldn’t stay in business.

The example below illustrates the difference between Hyundai Elantra auto insurance costs with and without discounts. The prices are based on a male driver, no violations or claims, Pennsylvania state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, safe-driver, homeowner, and multi-policy discounts applied.

If you would like to view insurers that can offer you the previously mentioned discounts in Philadelphia, click here.

Compare rates but still have a local Philadelphia insurance agent

Certain consumers would rather sit down with an agent and doing so can bring peace of mind Most agents can help you choose the best coverages and will help you if you have claims. One of the benefits of getting free rate quotes online is the fact that drivers can get lower rates and still buy from a local agent. And buying from local insurance agents is definitely important in Philadelphia.

Insurance agency in PhiladelphiaTo find an agent, once you fill out this short form, the quote information is sent to agents in your area that give free quotes for your coverage. You never need to find an agent due to the fact that quote results will go to the email address you provide. If you have a need to quote rates from one company in particular, don’t hesitate to go to their quote page and complete a quote there.

When searching for local Philadelphia agents, it can be helpful to understand the types of insurance agents and how they differ in how they can insure your vehicles. Insurance agencies in Philadelphia are classified as either independent (non-exclusive) or exclusive. Either can sell and service auto insurance coverage, but it’s worth mentioning why they differ since it can affect which type of agent you select.

Independent Auto Insurance Agencies

Agents that choose to be independent often have affiliation with several companies and that gives them the ability to insure with multiple insurance companies and find the cheapest rate. If premiums increase, the agent simply finds a different carrier and you stay with the same agent. If you need lower rates, it’s a good idea to compare quotes from several independent agencies so that you can do a thorough price comparison. Most can insure with smaller mutual companies which may have better rates.

Featured below is a list of independent insurance agents in Philadelphia who can help you get cheap rate quotes.

More Philadelphia agents

Exclusive Agents

Exclusive insurance agents work for only one company such as Farmers Insurance, State Farm, or Allstate. Exclusive agents are unable to provide prices from multiple companies so you need to shop around if the rates are high. They are trained well on the products they sell and that enables them to sell even at higher rates. Consumers frequently buy from the same agent for years primarily because of the brand legacy rather than having low rates.

Listed below are exclusive agents in Philadelphia that are able to give price quotes.

More Philadelphia agents

Finding the right insurance agent needs to be determined by more than just a low price. These are some valid questions you should ask.

You may need specialized auto insurance coverage

Keep in mind that when it comes to choosing a policy for your vehicles, there really is not a single plan that fits everyone. Your situation is unique.Auto insurance savings

For example, these questions might point out if your situation could use an agent’s help.

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. It is quick, free and can help protect your family.

Cheaper car insurance is a realistic goal

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice collision coverage and learned later that the savings was not a smart move. The ultimate goal is to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

Low-cost Hyundai Elantra insurance in Philadelphia can be purchased on the web in addition to many Philadelphia insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not offer online rate quotes and many times these smaller providers only sell through independent agencies.

Drivers change insurance companies for many reasons like extreme rates for teen drivers, lack of trust in their agent, not issuing a premium refund or denial of a claim. No matter why you want to switch, finding a new car insurance company can be easier than you think.

Additional detailed information can be found at these sites: