Sad but true, most drivers have bought insurance from the same company for over three years, and just under half have never compared rate quotes at all. Many drivers in Pennsylvania can save hundreds of dollars each year, but they don’t understand how simple it is to compare rate quotes.
To save the most money, the best way to get discount Hyundai Elantra insurance in Pittsburgh is to compare prices annually from companies in Pennsylvania. You can shop around by following these steps.
Step 1: Read and learn about the different coverages in a policy and the modifications you can make to prevent expensive coverage. Many rating factors that cause rate increases like accidents, traffic violations, and a less-than-favorable credit score can be controlled by making lifestyle changes or driving safer. Keep reading for additional tips to help prevent costly coverage and earn larger discounts.
Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like Progressive or State Farm, while independent agencies can quote prices for a wide range of insurance providers.
Step 3: Compare the price quotes to your current policy premium and determine if there is any savings. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.
Step 4: Notify your agent or company of your intent to cancel your current car insurance policy and submit the signed application along with the required initial payment to the new insurer. Make sure you put the certificate verifying proof of insurance along with the vehicle’s registration papers.
One key aspect when comparing rates is to make sure you’re comparing the same amount of coverage on every price quote and and to look at as many companies as you can. Doing this helps ensure an accurate price comparison and maximum price selection.
If you have a current car insurance policy or are just looking to switch companies, use these tips to get lower rates while maximizing coverage. Locating the most cost-effective car insurance policy in Pittsburgh is much easier if you know where to start. You just need to learn the most effective way to shop their coverage around from many different companies.
The best way we recommend to get rate comparisons for Hyundai Elantra insurance in Pittsburgh is to know the fact car insurance companies will pay a fee to give rate comparisons. All consumers are required to do is provide a little information including how much education you have, marital status, driver details, and the type of vehicles you drive. That rating information is automatically sent to multiple top-rated companies and you get price estimates instantly to find the best rate.
To start a rate quote now, click here and find out if lower rates are available in Pittsburgh.
The companies shown below offer price comparisons in Pennsylvania. If multiple companies are listed, we suggest you compare several of them to find the most affordable car insurance rates.
Why you need to buy car insurance
Despite the potentially high cost of Hyundai Elantra insurance, paying for car insurance serves an important purpose.
- Just about all states have compulsory liability insurance 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 Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your Hyundai Elantra, it’s guaranteed your bank will require that you buy insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank will be required to insure your Hyundai at a significantly higher premium and force you to pay a much higher amount than you were paying before.
- Car insurance preserves not only your Hyundai but also your assets. It will also provide coverage for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of buying car insurance greatly outweigh the cost, especially when you need to use it. As of last year, the average driver in Pennsylvania is currently overpaying as much as $855 a year so compare rate quotes each time the policy renews to make sure the price is not too high.
Rates and detailed analysis
The information displayed below highlights detailed analysis of rate quotes for Hyundai Elantra models. Being able to understand how auto insurance prices are figured is important for you to make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $190 | $346 | $294 | $18 | $88 | $936 | $78 |
| Elantra Blue 4-Dr Sedan | $190 | $494 | $346 | $20 | $104 | $1,154 | $96 |
| Elantra GLS 4-Dr Sedan | $218 | $494 | $346 | $20 | $104 | $1,182 | $99 |
| Elantra SE 4-Dr Sedan | $218 | $494 | $346 | $20 | $104 | $1,182 | $99 |
| Elantra SE Touring Station Wagon | $218 | $420 | $294 | $18 | $88 | $1,038 | $87 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in specific Pittsburgh garaging location which can decrease or increase coverage prices noticeably.
Rate comparison for different deductibles
One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The following tables illustrate the premium difference when you choose different coverage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can affect premium rates considerably.
Based on the figures above, using a $100 deductible will cost you roughly $23 more each month or $276 every year across all Hyundai Elantra models than requesting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 17 months between claim filings, you would probably come out ahead if you choose a higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $100 deductibles: | $105 |
| Average monthly premium for $500 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
Cautious drivers save money
The illustration below shows how traffic citations and at-fault claims can impact Hyundai Elantra premium costs for different insured age categories. The data assumes a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
Hyundai Elantra insurance discounts in Pittsburgh
Properly insuring your vehicles can get expensive, but you might find some hidden discounts that can help lower your rates. Some of these discounts will be visible at the time of purchase, but a few must be asked about prior to receiving the credit.
- Accident Waiver – Not a discount per se, but some insurance companies will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
- Multiple Policy Discount – When you combine your homeowners and auto insurance with one company you could earn a discount of nearly 15% which can help you find affordable Hyundai Elantra insurance rates in Pittsburgh.
- Senior Citizens – Drivers that qualify as senior citizens may receive a discount up to 10%.
- Organization Discounts – Belonging to specific professional or occupational memberships or organizations could trigger savings when shopping for car insurance.
- Drive Less and Save – Fewer annual miles on your Hyundai can qualify you for cheaper rates.
- Good Student Discount – Being a good student can be rewarded with saving of up to 25%. This discount can apply until age 25.
Policy discounts save money, but most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
The information below shows the difference between Hyundai Elantra auto insurance costs with and without discounts applied. The costs are based on a female driver, no accidents or driving violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, marriage, homeowner, and multi-car discounts applied.
Insurance companies that may offer quotes with these benefits are:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
When getting a coverage quote, ask all companies you are considering how many discounts you can get. Depending on the company, some discounts may not apply to policyholders in every state. To see a list of insurers with significant discounts in Pennsylvania, follow this link.