Cheapest Irvine Hyundai Elantra Insurance

Do you get exhausted from trying to scrape together enough money to buy auto insurance? You are in the same boat as many other people in California.

Insurance for Hyundai ElantraIt’s a known fact that auto insurance companies want to keep you from comparing rates. Drivers who shop around annually are inclined to buy a different policy because of the high probability of finding more affordable rates. A study showed that consumers who shopped around every year saved $3,400 over four years as compared to drivers who never compared prices.

If finding the most affordable auto insurance in Irvine is the reason for your visit, then having a good understanding how to quote and compare insurance rates can make shopping around easier.

Big-name insurance companies like Allstate, Progressive and GEICO constantly blast consumers with advertising and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

It’s a good idea to compare rates occasionally due to the fact that insurance prices are usually higher with each renewal. Just because you had the lowest price on Hyundai Elantra insurance in Irvine at your last renewal a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you’re about to find out the proper way to buy cheaper Hyundai Elantra insurance in Irvine.

Companies offering Hyundai Elantra insurance in California

The providers in the list below are our best choices to provide free quotes in Irvine, CA. To buy cheaper auto insurance in Irvine, we recommend you get prices from several of them to get the most affordable price.

Data for Hyundai Elantra insurance

The table below highlights detailed analysis of insurance prices for Hyundai Elantra models. Understanding how auto insurance premiums are calculated can help customers make decisions on which insurance to purchase.

Hyundai Elantra Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $142 $246 $354 $20 $106 $868 $72
Elantra Blue 4-Dr Sedan $142 $354 $416 $24 $124 $1,060 $88
Elantra GLS 4-Dr Sedan $162 $354 $416 $24 $124 $1,080 $90
Elantra SE 4-Dr Sedan $162 $354 $416 $24 $124 $1,080 $90
Elantra SE Touring Station Wagon $162 $300 $354 $20 $106 $942 $79
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in your specific Irvine location which can alter coverage prices noticeably.

Physical damage deductibles

The hardest decision when buying coverage is what deductibles to buy. The comparisons below sum up how much more rates are of buying low and high policy deductibles. The first rate quote example uses a $250 deductible and the second price grid uses a $500 deductible.

Hyundai Elantra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $298 $472 $376 $22 $112 $1,305 $109
Elantra Blue 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Elantra GLS 4-Dr Sedan $342 $678 $442 $26 $132 $1,645 $137
Elantra SE 4-Dr Sedan $342 $678 $442 $26 $132 $1,645 $137
Elantra SE Touring Station Wagon $342 $576 $376 $22 $112 $1,453 $121
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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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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in vehicle location which can decrease or increase premium rates considerably.

We can estimate from the data above that using a $250 deductible costs roughly $16 more each month or $192 every year than selecting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 16 months between claim filings, you would come out ahead by selecting a higher deductible.

Age, gender, and Hyundai Elantra insurance

The diagram below shows the difference between Hyundai Elantra insurance premiums for male and female drivers. The information is based on no claims, a clean driving record, full physical damage coverage, $1,000 deductibles, single status, and no discounts are factored in.

Full coverage rates vs. liability-only

The chart below visualizes the comparison of Hyundai Elantra insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no claims or driving violations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Guidelines for eliminating full coverage

There is no exact formula to stop paying for comp and collision coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s pretend your Hyundai Elantra replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after you pay the deductible. If you are paying in excess of $700 annually for full coverage, then it could be time to drop full coverage.

There are some circumstances where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Verify you’re getting every discount

Insurance is easily one of your largest bills, but you might be missing out on some discounts that many people don’t even know exist. Certain credits will be shown at the time of quoting, but a few must be asked about before being credited.Cheaper insurance with discounts

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

The chart below shows the difference between Hyundai Elantra yearly insurance costs with and without policy discounts. The premiums assume a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, safe-driver, multi-car, and claim-free discounts applied.

Companies and their offered discounts can be read below.

Before purchasing a policy, check with each insurance company which discounts you qualify for. Savings may not be available everywhere. If you would like to see a list of insurance companies who offer cheap Hyundai Elantra insurance quotes in California, click here to view.

Smart Choices Result in Lower Insurance Rates

Lots of things are considered when you quote your car insurance policy. A few of the factors are predictable like your driving record, but others are not as apparent such as your credit history and annual miles driven.

The items below are just a few of the factors companies use to determine your rate level.

Will just any policy work for me?

When it comes to adequate coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.Drive safe and save

These are some specific questions may help highlight whether your personal situation could use an agent’s help.

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.

You may want advice from an insurance agency

A lot of people still like to buy from a local agent and that can be a great decision The biggest benefit of comparing rates online is you may find cheaper prices and still have an agent to talk to. Putting coverage with small agencies is especially important in Irvine.

Upon completion of this quick form, the quote information is sent to agents in your area that give free quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to search for an agent due to the fact that quote results will go immediately to your email address. You can most likely find cheaper rates AND an agent nearby. In the event you want to quote rates from one company in particular, don’t hesitate to jump over to their website to submit a rate quote request.

When narrowing the list to find local Irvine agents, you must know there are a couple different types of agents and how they operate. Insurance agents in Irvine are classified as either exclusive or independent (non-exclusive).

Independent Insurance Agents (or Brokers)

Agents that elect to be independent are not required to write business for one company and that is an advantage because they can write policies through many different insurance companies and find you the best rates. To transfer your coverage to a different company, your policy is moved internally without you having to go to a different agency.

When shopping rates, you will want to get some free quotes from multiple independent agents for maximum quote selection.

Shown below are Irvine independent agencies that may be able to provide comparison quotes.

California Agency Insurance
17632 Irvine Blvd # 235Tustin, CA 92780(714) 731-8300View Map

3440 Irvine Ave # 150Newport Beach, CA 92660(949) 852-8558View Map

201 Sandpointe Ave Suite 600Santa Ana, CA 92707(866) 845-9815View Map

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Exclusive Insurance Agents

Agents in the exclusive channel can only provide pricing for a single company and examples are Farmers Insurance and State Farm. They are unable to shop your coverage around so they have to upsell other benefits. Exclusive agents are usually well trained on what they offer which helps them compete with independent agents.

Shown below are exclusive agencies in Irvine that can give you price quote information.

30 Corporate ParkIrvine, CA 92606(949) 223-5020View Map

14210 Culver Dr AIrvine, CA 92604(949) 559-8866View Map

4000 Barranca Pkwy # 250Irvine, CA 92604(949) 262-3238View Map

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Deciding on a insurance agency should include more criteria than just the premium amount. Ask your prospective agent these questions:

Insurance savings summarized

Drivers change insurance companies for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, lack of trust in their agent and even questionable increases in premium. Regardless of your reason for switching companies, finding a new insurance company is actually quite simple.

Lower-priced insurance in Irvine can be bought both online as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide rate quotes online and usually these smaller providers provide coverage only through local independent agencies.

In this article, we covered a lot of techniques to shop for Hyundai Elantra insurance online. The most important thing to understand is the more providers you compare, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest priced insurance comes from the least-expected company.

Steps to finding affordable Hyundai Elantra insurance in Irvine

If you want to find the absolute lowest rates, then the best way to get more affordable Hyundai Elantra insurance is to start doing a yearly price comparison from insurance carriers who sell insurance in Irvine. Prices can be compared by following these steps.

One thing to remember is that you’ll want to compare the same amount of coverage on each price quote and and to analyze as many car insurance companies as possible. This guarantees a fair rate comparison and a thorough price selection.

To learn more, link through to the resources below: