Compare Hyundai Elantra Insurance Rate Quotes in Columbus

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Unthinkable but true, about 70% of customers have purchased from the same company for well over three years, and approximately 40% of consumers have never taken the time to shop around. U.S. drivers could pocket as much as 46.5% a year just by getting comparison quotes, but most tend to underestimate the amount of money they would save if they swap their current policy for a cheaper one.

Discount Hyundai Elantra insuranceThe most effective way to find cheaper Hyundai Elantra insurance in Columbus is to start comparing rates regularly from insurance carriers that insure vehicles in Ohio. You can compare prices by following these steps.

  • First, gain an understanding of how companies set rates and the modifications you can make to keep rates low. Many risk factors that increase rates like multiple speeding tickets and a negative credit score can be improved by paying attention to minor details.
  • Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agents can quote rates for many different companies.
  • Third, compare the new rates to your current policy and see if you can save money. If you find a better price, make sure there is no lapse in coverage.
  • Fourth, provide notification to your current agent or company to cancel your existing policy. Submit a signed application and payment for the new policy. Be sure to keep the new certificate verifying coverage with your vehicle's registration.

The most important part of shopping around is that you'll want to compare identical coverage information on each price quote and and to get price estimates from as many different insurance providers as possible. Doing this guarantees a fair price comparison and and a good selection of different prices.

Most companies such as State Farm, Allstate and GEICO make it easy to get coverage price quotes on their websites. Getting quotes for Hyundai Elantra insurance in Columbus is pretty easy as you just type in your required coverages on the page. Once entered, their quoting system will order information on your driving record and credit history and returns a price.

Using the web to get quotes for Hyundai Elantra insurance in Columbus makes it simple to compare prices and it's also necessary to perform this step if you are searching for a better rate.

To fill out one form to compare multiple rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you enter the coverage information exactly as shown on your declarations page. This ensures you will have a rate comparison using the exact same coverages.

The following companies offer price comparisons in Columbus, OH. If multiple companies are shown, we recommend you click on several of them in order to find the most affordable rates.

Coverage statistics and figures

The premium information shown next outlines different coverage prices for Hyundai Elantra models. Having insight into how prices are established can help customers make decisions on which insurance to purchase.

Hyundai Elantra Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $164 $328 $250 $14 $76 $832 $69
Elantra Blue 4-Dr Sedan $164 $470 $296 $18 $88 $1,036 $86
Elantra GLS 4-Dr Sedan $188 $470 $296 $18 $88 $1,060 $88
Elantra SE 4-Dr Sedan $188 $470 $296 $18 $88 $1,060 $88
Elantra SE Touring Station Wagon $188 $398 $250 $14 $76 $926 $77
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in specific garaging location which can raise or lower premiums substantially.

Rate comparison for different deductibles

One frequently asked question is how low should you set your deductibles. The following insurance rates can help you understand the price difference when you choose different physical damage coverage deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Hyundai Elantra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $152 $242 $192 $12 $58 $681 $57
Elantra Blue 4-Dr Sedan $152 $348 $226 $14 $68 $833 $69
Elantra GLS 4-Dr Sedan $176 $348 $226 $14 $68 $857 $71
Elantra SE 4-Dr Sedan $176 $348 $226 $14 $68 $857 $71
Elantra SE Touring Station Wagon $176 $296 $192 $12 $58 $759 $63
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Hyundai Elantra insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $94 $152 $192 $12 $58 $508 $42
Elantra Blue 4-Dr Sedan $94 $220 $226 $14 $68 $622 $52
Elantra GLS 4-Dr Sedan $108 $220 $226 $14 $68 $636 $53
Elantra SE 4-Dr Sedan $108 $220 $226 $14 $68 $636 $53
Elantra SE Touring Station Wagon $108 $186 $192 $12 $58 $556 $46
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in vehicle location which can lower or raise prices considerably.

Based on these figures, using a $250 deductible would cost the average driver about $17 more each month or $204 every year averaged for all Elantra models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 44 months between claim filings, you would come out ahead if you choose the higher deductible.

Should you buy full coverage?

The chart below illustrates the comparison of Hyundai Elantra yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. Data assumes no driving violations, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are taken into consideration.

Guidelines for dropping full coverage

There is no definitive formula to drop physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let's pretend your Hyundai Elantra replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying your deductible. If you are paying in excess of $200 a year to have full coverage, then you may need to consider dropping full coverage.

There are some cases where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

Car insurance discounts help lower rates for Hyundai Elantra insurance in Columbus

Some insurers do not advertise all possible discounts in an easy-to-find place, so we researched both well-publicized and also the lesser-known car insurance savings.Discount car insurance

  • Memberships - Belonging to qualifying clubs or civic groups can get you a small discount on your bill.
  • Accident-Free Discounts - Insureds who avoid accidents and claims are rewarded with significantly better rates on Columbus auto insurance quote when compared to frequent claim filers.
  • Student Discount for Driver Training - Teen drivers should participate in a local driver's education class as it will make them better drivers and lower rates.
  • Early Payment Discounts - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Theft Prevention System - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your Columbus auto insurance quote.
  • Own a Home and Save - Owning a house in Columbus can save you money because it is proof of financial responsibility.
  • Senior Citizen Rates - Mature drivers may receive a small discount on rates.
  • Telematics Data - Policyholders that allow driving data collection to analyze driving habits by installing a telematics device such as State Farm's In-Drive could save a few bucks if they show good driving skills.
  • Military Deployment Discount - Being on active deployment in the military could mean lower premium rates.
  • Multiple Vehicles - Buying a policy with all your vehicles on the same car insurance policy could earn a price break for each car.

You should keep in mind that some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like medical payments or collision. Even though it appears it's possible to get free car insurance, you're out of luck. Any qualifying discounts will positively reduce your policy cost.

The chart below compares Hyundai Elantra auto insurance costs with and without policy discounts. The premiums are based on a female driver, no claims or violations, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, multi-car, homeowner, and marriage discounts applied.

Companies and their offered discounts can be read below.

  • The Hartford may offer discounts for driver training, anti-theft, vehicle fuel type, good student, air bag, bundle, and defensive driver.
  • American Family has savings for air bags, bundled insurance, TimeAway discount, multi-vehicle, accident-free, and good student.
  • Progressive offers discounts including online quote discount, continuous coverage, multi-vehicle, homeowner, good student, online signing, and multi-policy.
  • Travelers includes discounts for IntelliDrive, early quote, hybrid/electric vehicle, multi-policy, multi-car, new car, and good student.
  • Farmers Insurance has discounts for homeowner, teen driver, business and professional, multi-car, and electronic funds transfer.
  • USAA discounts include family discount, annual mileage, good student, multi-vehicle, defensive driver, and driver training.
  • Liberty Mutual offers discounts for exclusive group savings, teen driver discount, newly married, new vehicle discount, preferred payment discount, and multi-car.

If you want low cost Columbus auto insurance quotes, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier may not be available everywhere. If you would like to see a list of car insurance companies with the best Hyundai Elantra insurance discounts in Columbus, click here to view.

Protect your vehicle and other assets

Despite the high insurance cost for a Hyundai Elantra in Columbus, insuring your vehicle is most likely required but also gives you several important benefits.

  • Most states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability insurance coverage in order to drive the car legally. In Ohio 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.
  • If your Elantra has a loan, it's guaranteed your bank will require you to buy insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender will be forced to insure your Hyundai at a significantly higher premium and make you pay for it.
  • Auto insurance protects not only your Hyundai Elantra but also your financial assets. It will also reimburse you for medical expenses incurred in an accident. Liability coverage also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of insuring your Elantra definitely exceed the price paid, especially for larger claims. According to a recent study, the average American driver is overpaying more than $855 a year so compare rates at every policy renewal to make sure the price is not too high.

Local Columbus car insurance agents and car insurance

Many drivers still like to buy from a local agent and that is recommended in a lot of cases An additional benefit of getting online price quotes is the fact that drivers can get the best rates and also buy local.

Columbus insurance agentsBy using this quick form, your insurance data gets sent to agents in your area who can give free rate quotes for your coverage. You won't even need to leave your computer because prices are sent immediately to your email address. Get lower rates without having to waste a lot of time. If you need to compare prices from a particular provider, you can always visit that company's website and complete a quote there.

Finding the right insurance company shouldn't rely on just the bottom line cost. Any agent in Columbus should be forthright in answering these questions:

  • Where are claims handled?
  • Will the agent or a CSR service your policy?
  • How are claims handled?
  • What are their preferred companies if they are an independent agency?
  • How often do they review coverages?

The following is a list of insurance companies in Columbus that may be willing to give rate quotes for Hyundai Elantra insurance in Columbus.

More insurance agents

After getting satisfactory answers to any questions you may have and an affordable coverage quote, most likely you have located an insurance company that is reliable enough to provide car insurance coverage. But remember, policyholders can terminate coverage for any reason so don't think you're contractually obligated to a specific agent for any length of time.