Cheapest Rates for Hyundai Elantra Insurance in San Jose

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Insurance rates Hyundai Elantra in San JoseHas it been a year or more since you last compared quotes for lower-priced Hyundai Elantra insurance in San Jose? Locating better insurance prices for your Hyundai Elantra in California can be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to shop for car insurance so you're going to learn the proper way to get price quotes for a Hyundai and find the best price possible either online or from San Jose insurance agents.

It's astonishing, but nearly 70% of consumers kept buying from the same company for over three years, and almost half have never compared rates with other companies. With the average premium in the U.S. being $1,847, drivers can save 47% each year just by getting comparison quotes, but they don't know the actual amount they would save if they moved their coverage to a different company.

Locating the best insurance company for you in San Jose is actually quite easy if you know where to start. If you're already insured or need a new policy, you will benefit by learning to lower your rates without reducing coverage. You just have to know the proper way to compare price quotes online from multiple companies.

The quickest way to get policy rate comparisons for Hyundai Elantra insurance in San Jose is to take advantage of the fact most of the bigger providers participate in online systems to give you rate quotes. All you need to do is take a few minutes to give details including whether or not you need a SR-22, how much school you completed, if you lease or own, and the ages of drivers. Your insurance information is instantly submitted to many of the top insurers and they return cost estimate instantly.

To compare rates for your Hyundai Elantra now, click here and complete the form.

The companies shown below are ready to provide price quotes in California. If several companies are displayed, we suggest you compare several of them to get the lowest price.

Insurance statistics and figures

The rate information displayed next highlights different insurance premium costs for Hyundai Elantra models. Learning as much as possible about how car insurance prices are established can help customers make decisions on the best policy to buy.

Hyundai Elantra Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $184 $298 $376 $22 $112 $992 $83
Elantra Blue 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Elantra GLS 4-Dr Sedan $210 $426 $442 $26 $132 $1,236 $103
Elantra SE 4-Dr Sedan $210 $426 $442 $26 $132 $1,236 $103
Elantra SE Touring Station Wagon $210 $362 $376 $22 $112 $1,082 $90
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in zip code location which can modify rates substantially.

Physical damage deductible comparison

One common question asked by San Jose drivers is how low should you set your deductibles. The following insurance rates may help you to understand how much more you'll pay when you buy lower versus higher policy deductibles. The first rate comparisons uses a $100 physical damage deductible and the second price grid 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 $332 $564 $376 $22 $112 $1,431 $119
Elantra Blue 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Elantra GLS 4-Dr Sedan $380 $810 $442 $26 $132 $1,815 $151
Elantra SE 4-Dr Sedan $380 $810 $442 $26 $132 $1,815 $151
Elantra SE Touring Station Wagon $380 $686 $376 $22 $112 $1,601 $133
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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 $242 $382 $376 $22 $112 $1,134 $95
Elantra Blue 4-Dr Sedan $242 $546 $442 $26 $132 $1,388 $116
Elantra GLS 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Elantra SE 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Elantra SE Touring Station Wagon $278 $464 $376 $22 $112 $1,252 $104
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price estimates do not factor in vehicle garaging location which can increase or decrease price quotes noticeably.

Using the premium rates above, we can conclude that using a $100 deductible costs about $29 more each month or $348 a year than requesting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average at least 14 months between claims, you would probably come out ahead by selecting a higher deductible.

Age-based insurance rates by gender

The chart below illustrates the difference between Hyundai Elantra annual premium costs for male and female drivers. The rates are based on no claims or driving violations, comp and collision included, $500 deductibles, single marital status, and no additional discounts are factored in.

Insurance in California serves several purposes

Despite the high cost of buying insurance for a Hyundai Elantra in San Jose, insurance is not optional due to several reasons.

  • Most states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability coverage in order to drive the car. In California 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 your Elantra has a lienholder, almost every bank will stipulate that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Hyundai at a much higher rate and make you pay for it.
  • Insurance preserves not only your Hyundai Elantra but also your assets. It will also cover hospital and medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay to defend you in the event you are sued. If mother nature or an accident damages your car, your insurance policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your Elantra are definitely more than the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer overpays more than $850 per year so we recommend shopping around every year to make sure the price is not too high.

Cheaper rates with these nine money saving discounts

Some companies don't always list all discounts in an easy-to-find place, so the next list breaks down some of the best known as well as the least known discounts you could be receiving when you buy San Jose car insurance online.Cheaper insurance with discounts

  • Buy New and Save - Adding a new car to your policy can be considerably cheaper because new model year vehicles keep occupants safer.
  • Multi-line Discount - Not all companies offer life insurance, but some may give you a small discount if you purchase some life insurance in addition to your auto policy.
  • Multiple Cars - Having several vehicles on a single policy may reduce the rate for each vehicle.
  • Claim-Free Discount - Drivers with accident-free driving histories can earn big discounts in comparison with bad drivers.
  • Discounts for Cautious Drivers - Insureds who avoid accidents can get discounts for up to 45% lower rates than drivers with accident claims.
  • Early Renewal Discounts - Some insurance companies reward drivers for buying a policy prior to the expiration date on your current Elantra insurance policy. You may see this discount when you get San Jose car insurance quotes online.
  • Paperless Signup - A handful of insurance companies provide a small discount for buying your policy on their website.
  • Use Seat Belts - Drivers who require all vehicle occupants to use their safety belts could save 15% off the PIP or medical payment premium.
  • Own a Home - Owning a house in San Jose may earn you a small savings because maintaining a house is proof that your finances are in order.

Don't be shocked that most credits do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies don't profit that way.

The illustration below illustrates the comparison of Hyundai Elantra yearly insurance costs with and without discounts applied. The premiums are based on a male driver, no violations or accidents, California 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 claim-free, homeowner, multi-policy, marriage, safe-driver, and multi-car discounts applied.

To choose insurance companies that offer many of these discounts in California, click here.

Local San Jose auto insurance agents

A small number of people would rather buy from a licensed agent and that is OK! Good agents are trained to spot inefficiencies and help you file claims. One of the great benefits of getting online price quotes is that drivers can save money and get cheap auto insurance rates and still buy from a local agent.

Find insurance agent in San JoseAfter completing this quick form, your insurance coverage information is instantly submitted to participating agents in San Jose who will give competitive quotes for your business. You never need to find an agent because prices are sent to your email. If for some reason you want to get a rate quote for a specific company, feel free to visit that company's website and give them your coverage information.

Deciding on an insurer requires you to look at more than just a cheap price. Any agent in San Jose should be forthright in answering these questions:

  • Can glass repairs be made at your home?
  • Do they have cheaper tiers of coverage?
  • Is auto insurance their primary focus in San Jose?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Does the agency support the community they serve?
  • How does the company pay claims for a total loss?
  • What discounts might you be missing?
  • Are aftermarket or OEM parts used to repair vehicles?

If you want to buy auto insurance from a reputable insurance agent or broker, it helps to know the two types of agencies and how they operate. Agents in San Jose can either be independent or exclusive depending on the company they work for. Both types can properly insure your vehicles, but it's good to learn why they differ because it may have an impact on the type of agent you choose.

Exclusive Agents

These type of agents write business for a single company like Farmers Insurance, American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so they have to upsell other benefits. These agents receive extensive training on sales techniques which helps them sell on service rather than price. Many people buy insurance from these agents mainly due to loyalty to the company and the convenience of having all coverages with one company.

The following are San Jose exclusive insurance agents who can help you get rate quotes.

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Independent Auto Insurance Agents

Agents of this type are appointed with more than one company so they can write business with an assortment of companies enabling the ability to shop coverage around. If your premiums go up, they simply move the coverage in-house which requires no work on your part. When comparing auto insurance rates, we recommend you compare quotes from several independent insurance agents to maximize your price options. Many independent agencies also insure through smaller mutual companies which can save you money.

Shown below are independent insurance agents in San Jose that can give you price quotes.

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Specific coverages for a Hyundai Elantra

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive protection

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, theft, a tree branch falling on your vehicle and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Hyundai Elantra.

Due to the fact that many California drivers have only the minimum liability required by law (California limits are 15/30/5), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability insurance

This coverage can cover damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 15/30/5 which stand for a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property.

Liability coverage pays for claims like loss of income, emergency aid, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford. California state law requires minimum liability limits of 15/30/5 but it's recommended drivers buy more liability than the minimum.

The illustration below demonstrates why buying low liability limits may not be adequate.

Medical expense coverage

Med pay and PIP coverage reimburse you for expenses for doctor visits, surgery and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible on your Elantra to bring the cost down.

How much can you save?

Discount Hyundai Elantra insurance in San Jose can be purchased from both online companies and from local agencies, so get free San Jose car insurance quotes from both of them to have the best selection. Some insurance providers may not provide the ability to get quotes online and many times these regional carriers sell through independent insurance agencies.

We just covered many tips how you can get a better price on Hyundai Elantra insurance in San Jose. It's most important to understand that the more rate quotes you have, the better likelihood of getting affordable Hyundai Elantra insurance quotes. You may even discover the lowest car insurance rates come from the smaller companies.

Insureds leave their current company for a number of reasons such as policy cancellation, delays in paying claims, an unsatisfactory settlement offer and even high rates after DUI convictions. Whatever your reason, finding a great new company is not as difficult as it may seem.

How to quote cheaper Hyundai Elantra insurance in San Jose

It takes a little time, but the best way to get discount Hyundai Elantra insurance in San Jose is to compare prices at least once a year from providers that sell auto insurance in California. This can be done by completing these steps.

  1. Read and learn about car insurance and the changes you can make to keep rates in check. Many policy risk factors that cause high rates such as traffic violations, accidents, and a not-so-good credit history can be controlled by being financially responsible and driving safely.
  2. Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while independent agencies can quote prices from multiple sources.
  3. Compare the new rates to the premium of your current policy to see if switching to a new carrier will save money. If you can save money and switch companies, ensure coverage does not lapse between policies.

The key thing to remember is to make sure you enter the same deductibles and limits on each price quote and and to get price estimates from as many companies as possible. Doing this helps ensure a fair price comparison and a good representation of prices.

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