Shopping for the most affordable Houston Hyundai Elantra insurance quotes on the internet might seem rather difficult for people that are not comfortable with quoting and buying their car insurance online. With so many options of companies, how can anyone have time to compare every car insurance company to find the best available price?
Astonishng but true according to a recent study, 70% of consumers kept their coverage with the same car insurance company for well over three years, and nearly half have never compared rates from other carriers. The average driver in Texas could save 70% every year, but most undervalue the big savings they would realize if they just switched companies.
There are several ways of comparing rate quotes from many different Texas insurance companies. The simplest method to find competitive Hyundai Elantra insurance rates consists of obtaining rate quotes online. Just remember that getting more free quotes helps you find the best price. Some smaller insurers do not give price estimates online, so it’s necessary to compare prices from those companies as well.
The following companies provide price comparisons in Houston, TX. If the list has multiple companies, we suggest you visit several of them to find the most affordable auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $154 | $252 | $330 | $20 | $98 | $854 | $71 |
| Elantra Blue 4-Dr Sedan | $286 | $698 | $382 | $22 | $114 | $1,502 | $125 |
| Elantra GLS 4-Dr Sedan | $282 | $684 | $430 | $26 | $128 | $1,550 | $129 |
| Elantra SE 4-Dr Sedan | $282 | $684 | $430 | $26 | $128 | $1,550 | $129 |
| Elantra SE Touring Station Wagon | $140 | $260 | $304 | $18 | $92 | $814 | $68 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in your specific Houston location which can alter price quotes significantly.
Men versus women drivers and insurance cost
The chart below illustrates the comparison of Hyundai Elantra yearly insurance costs for male and female drivers. Data assumes no claims or violations, full coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.
Policy deductible comparison
One common question asked by Houston drivers is which comprehensive and collision deductibles to buy. The data tables below may help you to understand the premium difference when you select higher and lower physical damage deductibles. The first set of rates uses a $250 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $256 | $408 | $324 | $20 | $96 | $1,129 | $94 |
| Elantra Blue 4-Dr Sedan | $256 | $584 | $382 | $22 | $114 | $1,383 | $115 |
| Elantra GLS 4-Dr Sedan | $294 | $584 | $382 | $22 | $114 | $1,421 | $118 |
| Elantra SE 4-Dr Sedan | $294 | $584 | $382 | $22 | $114 | $1,421 | $118 |
| Elantra SE Touring Station Wagon | $294 | $496 | $324 | $20 | $96 | $1,255 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| Elantra Blue 4-Dr Sedan | $158 | $368 | $382 | $22 | $114 | $1,044 | $87 |
| Elantra GLS 4-Dr Sedan | $182 | $368 | $382 | $22 | $114 | $1,068 | $89 |
| Elantra SE 4-Dr Sedan | $182 | $368 | $382 | $22 | $114 | $1,068 | $89 |
| Elantra SE Touring Station Wagon | $182 | $312 | $324 | $20 | $96 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in your specific Houston location which can impact coverage prices greatly.
Based on this data, using a $250 deductible could cost the average driver approximately $27 more each month or $324 every year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 28 months between claim filings, you would probably save some money if you choose a higher deductible. The numbers below show a better example of how you can make your own decision.
| Average monthly premium for $250 deductibles: | $110 |
| Average monthly premium for $1,000 deductibles (subtract): | – $83 |
| Monthly savings from raising deductible: | $27 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $27 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 28 months |
Physical damage deductibles: Should you raise them?
The chart below illustrates how your choice of deductibles and can increase or decrease Hyundai Elantra yearly insurance costs for each different age group. The data is based on a married female driver, comp and collision included, and no discounts are applied to the premium.
Auto insurance in Texas serves several purposes
Even though it’s not necessarily cheap to insure a Hyundai in Houston, insurance is required by state law in Texas and it also provides benefits you may not be aware of.
- Most states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability insurance if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Elantra has a loan, most lenders will force you to have insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank will be required to insure your Hyundai for a much higher rate and force you to pay for the expensive policy.
- Insurance safeguards both your assets and your vehicle. It will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If your Hyundai gets damaged, collision and comprehensive coverages will pay to repair the damage.
The benefits of carrying enough insurance definitely exceed the price paid, especially for larger claims. An average driver in America overpays more than $850 per year so compare rate quotes at least once a year to be sure current rates are still competitive.
Insurance savings promises
Companies like State Farm, Allstate and GEICO consistently run television and radio advertisements. They all have a common claim about how much you will save just by moving your coverage to them. How is it possible that every company can offer drivers better rates? This is the trick they use.
Insurance companies give the cheapest rates for the right customer that will most likely be profitable. An example of this type of driver might be between 30 and 50, is a homeowner, and drives a lower-performance vehicle. A driver that meets those criteria will get low prices and will probably cut their Hyundai Elantra insurance rates if they switch.
Potential insureds who may not quite match those standards will get higher premium rates which leads to business going elsewhere. The ad wording is “customers who switch” not “all people who quote” can get the lowest rates when switching. This is how insurance companies can confidently state the savings.
That is why drivers must compare many company’s prices. You cannot predict with any certainty which company will give you lower premium rates than your current company.
You may qualify for discounts for Hyundai Elantra insurance in Houston
Auto insurance companies don’t always list the complete list of policy discounts very clearly, so we took the time to find a few of the more common and also the lesser-known ways to save on auto insurance. If you’re not getting every credit available, you’re just leaving money on the table.
- Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.
- Service Members Pay Less – Being on active duty in the military can result in better prices.
- Auto/Home Discount – When you have multiple policies with the same insurance company you will save up to 20% and get you cheap Elantra insurance.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices help deter theft so companies will give you a small discount.
- Organization Discounts – Affiliation with a qualifying organization could earn you a nice discount when getting a Houston auto insurance quote.
It’s important to understand that most credits do not apply to the entire cost. Most only cut individual premiums such as medical payments or collision. Just because you may think you could get a free auto insurance policy, you won’t be that lucky. Any amount of discount will reduce the cost of coverage.
To view insurance companies that offer multiple discounts in Texas, click here to view.
Auto insurance quotes from local Houston insurance agents
A lot of people prefer to talk to an insurance agent and that is recommended in a lot of cases One of the great benefits of comparing rate quotes online is you can get the lowest rates and still have a local agent. Buying from and supporting neighborhood insurance agencies is especially important in Houston.
Upon completion of this form (opens in new window), your information is sent to agents in your area that can provide free Houston auto insurance quotes and help you find cheaper coverage. You won’t even need to search for an agent since price quotes are sent to the email address you provide. You can find the lowest rates without a big time investment. If you wish to get a comparison quote from one company in particular, feel free to search and find their rate quote page and fill out the quote form the provide.
Below is a short list of auto insurance companies in Houston who can help you get rate quotes for Hyundai Elantra insurance in Houston.
- Anna Santa Ana – State Farm Insurance Agent
7710 Cherry Park Dr d – Houston, TX 77095 – (281) 550-0333 – View Map - Champions Insurance Agency
15327 Gulf Fwy b – Houston, TX 77034 – (281) 484-4870 – View Map - Gem Insurance Agencies
3355 W Alabama St #850 – Houston, TX 77098 – (713) 622-2330 – View Map - Hispanos Insurance Agency
8624 Long Point Rd – Houston, TX 77055 – (713) 827-1277 – View Map
Picking an provider should depend on more than just a low price. Here are some questions you should ask.
- What insurance companies do they work with in Houston?
- When do they do a full risk review?
- Do they regularly work with personal auto policies in Houston?
- Is there a 24/7 contact number?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- By raising physical damage deductibles, how much would you save?
Don’t assume everyone needs the same auto insurance coverage
Always keep in mind that when comparing the best auto insurance coverage, there really isn’t a one-size-fits-all type of policy. Everyone’s situation is a little different.
For instance, these questions could help you determine if your situation might need an agent’s assistance.
- Do I need rental car coverage?
- Are split liability limits better than a combined single limit?
- Do I need added coverage for expensive stereo equipment?
- Can I use my car for my catering business?
- Is my Hyundai Elantra covered for smoke damage?
- Do I have coverage when using my vehicle for my home business?
- Can I rate high risk drivers on liability-only vehicles?
- Am I covered when driving someone else’s vehicle?
- Do they offer discounts for home and auto coverage?
- Are all vehicle passengers covered by medical payments coverage?
If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.
Persistence will pay off
When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at the best possible price.
Drivers leave their current company for many reasons like high rates after DUI convictions, lack of trust in their agent, unfair underwriting practices or even policy non-renewal. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.
In this article, we covered a lot of techniques to reduce Hyundai Elantra insurance prices online in Houston. The key concept to understand is the more quotes you get, the better chance you’ll have of finding cheaper Houston auto insurance quotes. Consumers may even find the most savings is with a lesser-known regional company.
For more information, feel free to visit these articles:
- Auto Crash Statistics (Insurance Information Institute)
- How Much are Car Insurance Rates for Inexperienced Drivers in Houston? (FAQ)
- Who Has Cheap Auto Insurance Rates for Uninsured Drivers in Houston? (FAQ)
- Who Has the Cheapest Car Insurance for Nurses in Houston? (FAQ)
- What Insurance is Cheapest with Multiple Speeding Tickets in Houston? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)