Best Insurance for a Hyundai Elantra in Atlanta

Insurance rates Hyundai Elantra in AtlantaWould you prefer to buy low-cost Hyundai Elantra insurance in Atlanta? Trying to find better insurance prices for a Hyundai Elantra in Georgia could be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to compare insurance rates and you need to know the best way to get price quotes for a new or used Hyundai and obtain the lowest possible price.

It’s shocking but a large majority of consumers kept their policy with the same company for at least the last four years, and just under half have never compared rates from other carriers. Atlanta consumers can cut their rates by $1,000 a year by just shopping around, but they don’t know how much they could save if they moved their coverage to a different company.

You need to compare premium rates before your policy renews since insurance prices go up and down regularly. Despite the fact that you may have had the lowest quotes on Hyundai Elantra insurance in Atlanta a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in how to quote online to reduce your cost while increasing coverage.

Locating the best rates in Atlanta can be much easier if you know how to start. If you have coverage now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. You just need to learn the best way to shop for insurance from many companies at once.

The quickest method to compare car insurance rates for Hyundai Elantra insurance in Atlanta takes advantage of the fact all the major auto insurance companies participate in online systems to provide you with a free rate quote. All consumers are required to do is take a few minutes to give details including your job, whether you have decent credit, coverage limits, and if you have a valid license. The data is then sent to many different companies and they return quotes instantly to find the best rate.

If you would like to start a quote now, click here and enter your zip code.

The providers in the list below are ready to provide free rate quotes in Georgia. If multiple companies are shown, we suggest you visit several of them to get the best price comparison.

Hyundai Elantra Insurance Price Estimates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $228 $434 $378 $22 $114 $1,176 $98
Elantra Blue 4-Dr Sedan $158 $430 $512 $30 $154 $1,284 $107
Elantra GLS 4-Dr Sedan $328 $706 $402 $24 $120 $1,580 $132
Elantra SE 4-Dr Sedan $292 $682 $512 $30 $154 $1,670 $139
Elantra SE Touring Station Wagon $214 $322 $438 $26 $132 $1,132 $94
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can revise coverage rates noticeably.

How high should deductibles be?

One frequently asked question is how high should the deductibles for physical damage be. The comparison tables below lay out the price difference between low and high policy deductibles. The first price estimate table uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Hyundai Elantra insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $294 $502 $334 $20 $100 $1,275 $106
Elantra Blue 4-Dr Sedan $294 $720 $394 $24 $118 $1,575 $131
Elantra GLS 4-Dr Sedan $338 $720 $394 $24 $118 $1,619 $135
Elantra SE 4-Dr Sedan $338 $720 $394 $24 $118 $1,619 $135
Elantra SE Touring Station Wagon $338 $612 $334 $20 $100 $1,429 $119
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Hyundai Elantra insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $216 $340 $334 $20 $100 $1,010 $84
Elantra Blue 4-Dr Sedan $216 $486 $394 $24 $118 $1,238 $103
Elantra GLS 4-Dr Sedan $248 $486 $394 $24 $118 $1,270 $106
Elantra SE 4-Dr Sedan $248 $486 $394 $24 $118 $1,270 $106
Elantra SE Touring Station Wagon $248 $414 $334 $20 $100 $1,116 $93
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific Atlanta garaging location which can modify auto insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $27 more each month or $324 a year than choosing the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 15 months between claims, you would probably come out ahead if you elect the higher deductible.

Premiums by gender and age

The chart below shows the difference between Hyundai Elantra insurance rates for male and female drivers. The premiums assume no claims or driving citations, comp and collision included, $100 deductibles, marital status is single, and no additional discounts are factored in.

Cheaper rates with these five premium slashing discounts

Properly insuring your vehicles can get expensive, but you may be missing some discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but some must be inquired about before being credited.Save money with discounts

One thing to note about discounts is that most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, insurance companies aren’t that generous.

Car insurance companies that may offer these benefits include:

If you are trying to find the cheapest Hyundai Elantra rate quotes, ask all companies you are considering which discounts can lower your rates. Savings might not apply in Atlanta. To choose providers who offer online Hyundai Elantra insurance quotes in Georgia, click here.

Neighborhood insurance agents

A small number of people prefer to sit down and talk to an agent and doing so can bring peace of mind Professional insurance agents can answer important questions and give you someone to call. An additional benefit of getting free rate quotes online is that drivers can save money and get cheap car insurance rates and still choose a local agent.

To make it easy to find an agent, after completing this quick form, the coverage information is instantly submitted to companies in Atlanta who will give you bids and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to do any legwork because quoted prices will be sent directly to you. If you wish to get a comparison quote from a specific insurance company, you can always go to their quote page and fill out their quote form.

Deciding on an provider should include more criteria than just a cheap price. These are some questions your agent should answer.

Independent or Exclusive: It’s your choice

When looking for a good insurance agency, you need to know there are two different agency structures and how they function. Car insurance agents in Atlanta can either be exclusive or independent. Both sell affordable car insurance policies, but it’s worth learning the difference in how they write coverage because it can impact the type of agent you choose.

Exclusive Insurance Agents

Agents that choose to be exclusive can only write with one company and examples are Allstate, State Farm and Farm Bureau. They are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive agents are very knowledgeable on what they offer which aids in selling service over price. Consumers often use the same exclusive agent primarily because of the prominent brand name instead of buying on price only.

Shown below is a short list of exclusive agencies in Atlanta willing to provide rate quotes.

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Independent Car Insurance Agencies

Agents that elect to be independent are not required to write business for one company and that allows them to write policies through lots of different companies and find you the best rates. If you want to switch companies, they simply switch companies in-house which is easy for the insured. When comparing car insurance prices, you will definitely want to compare prices from independent agents in order to compare the most rates. They often place coverage with lesser-known insurance companies that many times have cheaper rates.

The following is a list of independent insurance agencies in Atlanta willing to provide rate quotes.

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When do I need an agent’s advice?

Keep in mind that when it comes to choosing a policy, there really isn’t a perfect coverage plan. Each situation is unique so your insurance should reflect thatHigher deductibles save money
For example, these questions may help highlight whether or not you will benefit from professional help.

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Three reasons to insure your Hyundai Elantra

Despite the high cost of buying insurance for a Hyundai Elantra in Atlanta, paying for car insurance is required by state law in Georgia and it also provides benefits you may not be aware of.

First, the majority of states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage if you don’t want to risk a ticket. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Elantra has a loan, most lenders will require that you carry insurance to ensure loan repayment if the vehicle is totalled. If the policy lapses, the lender may insure your Hyundai at a significantly higher premium and force you to pay for the much more expensive policy.

Third, car insurance preserves not only your vehicle but also your financial assets. Insurance will pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if you cause an accident and are sued. If you have damage to your Hyundai as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of insuring your car greatly outweigh the cost, especially if you ever need it. According to a 2015 survey, the average American driver is overpaying over $820 a year so we recommend shopping around at every policy renewal to ensure rates are inline.

What car insurance coverages do you need?

Knowing the specifics of your car insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most car insurance policies.

Liability car insurance

This provides protection from injuries or damage you cause to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as medical expenses, pain and suffering, medical services and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford. Georgia state law requires minimum liability limits of 25/50/25 but you should think about purchasing more coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for funeral costs, X-ray expenses, EMT expenses, nursing services and ambulance fees. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Hyundai Elantra.

Since many Georgia drivers only purchase the least amount of liability that is required (25/50/25), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Auto collision coverage

Collision coverage covers damage to your Elantra from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, crashing into a building, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible on your Elantra to get cheaper collision coverage.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, a broken windshield, damage from getting keyed, vandalism and theft. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Cheaper car insurance is a realistic goal

We just presented many tips how you can compare Hyundai Elantra insurance rates in Atlanta. The key thing to remember is the more rate quotes you have, the higher your chance of finding inexpensive Atlanta car insurance quotes. Consumers could even find that the biggest savings come from an unexpected company. They may have significantly lower auto insurance rates on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

When you buy Atlanta car insurance online, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

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