Locating better insurance prices for your Hyundai Elantra in Texas can turn out to be difficult, but you can use the following methods to find lower rates.
There is a better way to shop for car insurance so you’re going to learn the absolute fastest way to get price quotes on a Hyundai and find the cheapest rates from San Antonio insurance agents and online providers.
If you have insurance now or are shopping for new coverage, use these techniques to shop for the lowest rates without reducing protection. Finding and buying more affordable car insurance coverage in San Antonio is not as hard as you think. Shoppers just need to learn the most effective way to compare rate quotes using one simple form.
How to get San Antonio Hyundai Elantra insurance price quotes
Lowering your Hyundai Elantra auto insurance rates is a great way to save money. All you need to do is take a few minutes to compare rate quotes provided by online insurance companies.
The auto insurance companies shown below offer price quotes in San Antonio, TX. If multiple companies are listed, we recommend you visit several of them to find the cheapest auto insurance rates.
Get cheaper Hyundai Elantra insurance rates in San Antonio
The price of auto insurance can be rather high, but you might find some hidden discounts to help offset the cost. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be manually applied before being credited.
- Passenger Safety Discount – Factory options such as air bags or motorized seat belts can get savings of up to 25% or more.
- Military Deployment Discount – Having a family member in the military could qualify you for better premium rates.
- Waiver for an Accident – This isn’t a discount exactly, but a handful of insurance companies may permit one accident before hitting you with a surcharge if you have no claims for a particular time prior to the accident.
- Onboard Data Collection – San Antonio drivers who agree to allow their insurance company to monitor where and when they drive by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they show good driving skills.
- More Vehicles More Savings – Insuring all your vehicles on one policy can reduce rates for all insured vehicles.
- Low Miles Discount – Keeping the miles down on your Hyundai can earn cheaper premium rates.
- Discount for Good Grades – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
It’s important to understand that some credits don’t apply to the whole policy. Most only cut specific coverage prices like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous.
The illustration below compares Hyundai Elantra car insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, claim-free, multi-car, and marriage discounts applied.
Companies and their offered discounts are shown below.
- GEICO may include discounts for good student, seat belt use, military active duty, driver training, five-year accident-free, air bags, and anti-theft.
- Travelers offers discounts for driver training, good student, student away at school, continuous insurance, and multi-policy.
- Nationwide has discounts for business or organization, easy pay, anti-theft, good student, and Farm Bureau membership.
- Farmers Insurance policyholders can earn discounts including business and professional, mature driver, good student, bundle discounts, electronic funds transfer, switch companies, and pay in full.
- Esurance may have discounts that include claim free, safety device, anti-theft, paid-in-full, online quote, and good driver.
- State Farm discounts include Drive Safe & Save, driver’s education, defensive driving training, multiple autos, and good student.
- Progressive includes discounts for continuous coverage, good student, multi-vehicle, online signing, and multi-policy.
- Mercury Insurance offers premium reductions for good driver, multi-car, type of vehicle, ease of repair, and accident-free.
When comparing rates, check with each insurance company which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in San Antonio.
Detailed insurance information
The premium information displayed below showcases estimates of prices for Hyundai Elantra models. Having a good understanding how car insurance prices are calculated can benefit drivers when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $200 | $372 | $422 | $24 | $126 | $1,144 | $95 |
| Elantra Blue 4-Dr Sedan | $200 | $532 | $496 | $30 | $148 | $1,406 | $117 |
| Elantra GLS 4-Dr Sedan | $230 | $532 | $496 | $30 | $148 | $1,436 | $120 |
| Elantra SE 4-Dr Sedan | $230 | $532 | $496 | $30 | $148 | $1,436 | $120 |
| Elantra SE Touring Station Wagon | $230 | $452 | $422 | $24 | $126 | $1,254 | $105 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in specific San Antonio garaging location which can increase or decrease rates substantially.
Choosing deductibles
When shopping for insurance, a common question is how high should the physical damage coverage deductibles be. The comparison tables below may help to illustrate the premium difference between high and low comp and collision deductibles. The first pricing table uses a $250 deductible for comp and collision and the second price chart 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 | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in specific location information which can alter coverage rates noticeably.
We can derive from the above data that using a $250 deductible costs approximately $27 more each month or $324 annually across all Hyundai Elantra models than opting for the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have more than 28 months between claim filings, you would more than likely save some money if you choose the higher deductible.
Cost of full coverage in San Antonio
The chart below visualizes the comparison of Hyundai Elantra insurance rates with and without full coverage. The price estimates are based on no accidents, no driving violations, $100 deductibles, drivers are single, and no other discounts are factored in.
When to drop comprehensive and collision coverage
There is no set rule to stop buying full coverage, but there is a general school of thought. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s pretend your Hyundai Elantra claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying your deductible. If it’s costing in excess of $500 a year for physical damage coverage, then it might be time to buy liability only.
There are some cases where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Local San Antonio car insurance agents
Some consumers just want to get advice from a local agent and that is a smart decision Good insurance agents can point out coverage gaps and give you someone to call. The biggest benefit of comparing rate quotes online is that you can find the lowest rates and still buy from a local agent. And supporting local agents is definitely important in San Antonio.
Upon completion of this short form, your information is submitted to agents in your area who will give you quotes and help you find cheaper coverage. It’s much easier because you don’t need to search for an agent since price quotes are sent to your email. If you want to get a rate quote from a specific car insurance provider, just visit that company’s website and submit a quote form there.
When searching for a reliable insurance agent, you must know there are a couple different types of agents that you can select. Agencies in San Antonio can either be exclusive or independent. Either one can sell car insurance policies, but we need to point out how they are different since it can affect buying decisions.
Independent Agents (or Brokers)
Independent agents are not locked into one company so they can quote policies through many companies and find you the best rates. If they find a lower price, they simply switch companies in-house and you can keep the same agent.
When comparing rates, you definitely need to get quotes from independent agents to ensure the widest selection of prices. Most also have access to smaller regional carriers that many times have cheaper rates.
Featured below are San Antonio independent agents who may be able to give you cheap rate quotes.
- Affordable Health Insurance Agency, LLC
7330 San Pedro Ave #150 – San Antonio, TX 78216 – (210) 738-3537 – View Map - Atlas Insurance Agency,Inc
1954 SW Military Dr – San Antonio, TX 78221 – (210) 927-2277 – View Map - IBC Insurance Agency Ltd
5300 Walzem Rd – San Antonio, TX 78218 – (210) 646-9870 – View Map
Exclusive Car Insurance Agencies
Agents that elect to be exclusive write business for a single company such as American Family, State Farm, and AAA. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. These agents receive a lot of sales training on sales techniques and that enables them to sell even at higher rates. Consumers sometimes use the same exclusive agent primarily because of the brand legacy rather than low price.
Below is a list of exclusive agents in San Antonio that are able to give price quotes.
- Chad Dawson – State Farm Insurance Agent
5890 De Zavala Rd Ste 105 – San Antonio, TX 78249 – (210) 615-7898 – View Map - Juan Garcia – State Farm Insurance Agent
2, 407 N Zarzamora – San Antonio, TX 78207 – (210) 438-5826 – View Map - Jeff Ellis – State Farm Insurance Agent
16350 Blanco Rd #115 – San Antonio, TX 78232 – (210) 641-7711 – View Map
Finding the right insurance agent requires you to look at more than just the quoted price. These are some valid questions you should ask.
- Which companies do they recommend if they are an independent agency?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do they make recommendations based only on price?
- How much experience to they have in personal lines coverages?
- Can you contact them at any time?
- Which companies can they place coverage with?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Eight Things That Affect Your Insurance Rates
Many things are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, although others are more obscure like your vehicle usage or how safe your car is.
Safer occupants lowers car insurance rates – Vehicles that have high safety ratings can get you lower premiums. The safest vehicles protect occupants better and lower rates of occupant injuries translates directly to fewer claims passed on to you as lower rates.
Your location is important – Having an address in small towns and rural areas can be a good thing when talking about car insurance. Lower population means reduced accidents in addition to lower liability claims. Urban drivers tend to have more aggressive driving styles and higher rates of accident claims. More time behind the wheel means more chance of being in an accident.
Traffic violations hurt – Good drivers receive lower rates compared to drivers with tickets. Getting just one chargeable violation could increase your next policy renewal by as much as thirty percent. Drivers who get multiple tickets like DUI or reckless driving are required to submit a SR-22 form with their state’s licensing department in order to continue driving.
The information below illustrates how traffic citations and at-fault fender-benders can raise Hyundai Elantra yearly insurance costs for different age groups. The rate quotes are based on a married female driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
Don’t let your car insurance policy lapse – Driving without insurance coverage in place is not a good idea and your next policy will cost more because you let your insurance lapse. And not only will insurance be more expensive, getting caught without coverage may result in a steep fine or even jail time. You may have to prove you have insurance by filing a SR-22 with the Texas department of motor vehicles.
What are good liability insurance limits? – Liability insurance will protect you in the event that a jury decides you are liable for physical damage or personal injury to other. It provides you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
Bad credit will cost you – Having a good credit score is a big factor in calculating your premium rate. Consumers who have very high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit scores. If your credit leaves room for improvement, you may save money insuring your Hyundai Elantra by taking the time to improve your credit score.
Theft deterrents lowers rates – Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent vehicle theft.
Being married is a bonus – Being married helps lower the price on car insurance. It demonstrates that you tend to be more responsible and statistics show drivers who are married are more cautious.
Insurance loss data for a Hyundai Elantra – Insurance companies analyze claim trends for every vehicle to help set a rate to offset losses. Models that have a trend towards higher claim severity or frequency will have increased rates.
The table shown below demonstrates the compiled insurance loss statistics for Hyundai Elantra vehicles. For each policy coverage type, the claim amount for all vehicles, regardless of make or model, is a value of 100. Percentages below 100 suggest a better than average loss history, while numbers shown that are more than 100 point to more losses or an increased chance of larger losses than average.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Elantra | 102 | 102 | 90 | 133 | 137 | 117 |
| Hyundai Elantra GT | 95 | 91 | 95 | 112 | 114 | 107 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Three reasons to insure your Hyundai vehicle
Despite the high cost of buying insurance for a Hyundai Elantra in San Antonio, buying insurance is most likely required but also gives you several important benefits.
- The majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability insurance coverage in order to license the 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 you bought your Hyundai with a loan, it’s guaranteed your bank will make it mandatory that you buy insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank may insure your Hyundai for a much higher rate and require you to fork over for the much more expensive policy.
- Insurance safeguards not only your Hyundai Elantra but also your financial assets. It will also cover many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance more than offset the price you pay, especially when you need to use it. According to a recent study, the average American driver is currently overpaying as much as $820 a year so shop around at every policy renewal to make sure the price is not too high.
Cheap car insurance is out there
Cheaper Hyundai Elantra insurance in San Antonio can be sourced on the web in addition to local insurance agencies, and you should be comparing both to have the best rate selection. Some car insurance companies don’t offer rate quotes online and these smaller companies only sell coverage through local independent agents.
Drivers leave their current company for many reasons like policy cancellation, poor customer service, questionable increases in premium or even high prices. Whatever your reason, switching car insurance companies can be easy and end up saving you some money.
In this article, we presented many ways to find lower-cost Hyundai Elantra insurance in San Antonio. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the best price on car insurance is with a small mutual company.
More detailed car insurance information is located by following these links:
- What is Gap Insurance? (Insurance Information Institute)
- What Car Insurance is Cheapest for Drivers with a Bad Driving Record in San Antonio? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota Corolla in San Antonio? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Auto Insurance for Teen Drivers (Insurance Information Institute)