Who Has Cheap Insurance for a Hyundai Elantra in Pennsylvania?

Anytime the topic is car insurance, the words cheap or affordable really should not be used anywhere in the article. Despite the oxymoron, cheap car insurance for a Hyundai Elantra is not easy to find. We’ll try to make it up to you, because we are going to show you how you can get auto insurance that you can afford.

The chances of finding cheap car insurance for a Hyundai Elantra in Pennsylvania is dependent upon a large number of rating criteria like whether you are male or female, if you have a lapse in coverage, and any prior driving offenses. Drivers will pay around $1,060 each year for Elantra insurance, but that amount is based on a 50-year-old single male who requires both comprehensive and collision coverage and $100 deductibles.

More than likely, you are not exactly 50 years old and possibly not even male, you might be married instead of single, or maybe your Elantra is a different trim level than the example. Auto insurance prices are based on the driver profile your best chance at finding cheap insurance rates for your Hyundai is to compare as many rates as possible.

Find Cheaper Hyundai Elantra Insurance

The specific model of Elantra tends to impact the cost of coverage, so the cost to insure a Elantra GLS Touring Station Wagon model will be $126 cheaper than the cost to insure the more expensive Elantra SE Touring Station Wagon version, as shown in the prices below.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific Pennsylvania garaging location which can lower or raise premium rates significantly.

Buying budget auto insurance is easier said than done, and deciding which insurers offer the cheapest auto insurance rates for a Hyundai Elantra will involve a bit more work.

Every insurance company uses a slightly different approach to establish rates, so first we will examine the most affordable auto insurance companies in Pennsylvania. We do need to point out that Pennsylvania auto insurance rates are influenced by many factors which can substantially change the cost of your policy. Things like having a birthday, buying a different vehicle, or getting into an accident can trigger price changes that can cause some rates to be higher-priced than before.

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General Casualty may have some of the lowest car insurance rates in Pennsylvania at around $726 per year. Travelers, USAA, Erie, and Penn National would also make the list of some of the more affordable Pennsylvania car insurance companies.

As the example above demonstrates, if you are a policyholder with Penn National and switched to Travelers, you may realize an annual premium reduction of around $61. Policyholders with Auto-Owners might save as much as $224 a year, and Amica insureds might reduce rates by $243 a year.

Remember that these premium estimates are averaged for all types of insureds and vehicles and do not factor in a specific rating modification for a Hyundai Elantra. So the auto insurance company that can offer you the lowest price may not even be included in the list above. That emphasizes why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Careless Pennsylvania drivers pay higher rates

The easiest method to enjoy cheap auto insurance prices in Pennsylvania for an Elantra is to drive cautiously and not receive tickets or have accidents. The chart below shows how violations and at-fault accidents can drive up insurance costs for different categories of driver ages. The premiums assume a single female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2457,2677,3297],[‘Age 30’, 1653,1875,2495],[‘Age 40’, 1547,1767,2389],[‘Age 50’, 1351,1573,2191],[‘Age 60’, 1311,1533,2151],[‘Age 70’, 1549,1771,2391]]);var options = {title: ‘Impact of Tickets and Claims on Pennsylvania Hyundai Elantra Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Elantra in Pennsylvania’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of auto insurance in Pennsylvania per year with no violations or accidents is $1,645. Receive one speeding ticket and the average cost rises to $1,866, an increase of $221 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Hyundai Elantra jumps again to an average of $2,486. That’s an increase of $841, or $70 per month, just for not being a responsible driver!

How to get discounts on Pennsylvania car insurance rates

Car insurance companies that sell cheap insurance for a Hyundai Elantra in Pennsylvania may have rate discounts that could potentially reduce rates by as much as 25% or more if you meet eligibility requirements. A list of companies and a summarized list of policyholder discounts are outlined below.

The example below compares auto insurance rates with and without some available policy discounts. The prices are based on a male driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple policy, marriage, claim-free, defensive driving course, accident-free, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the the average yearly reduction on auto insurance for a Hyundai Elantra is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2953,2117],[‘Age 30’, 1531,1111],[‘Age 40’, 1503,1087],[‘Age 50’, 1373,995],[‘Age 60’, 1335,965],[‘Age 70’, 1657,1193]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Hyundai Elantra’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Elantra’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How to find the cheapest auto insurance for a Hyundai Elantra

The list below summarizes a few money-saving solutions that can help drivers buy cheap coverage.

• Good credit can help you save money
• Tickets and violations raise rates
• Drive a car with a high safety rating
• Maintain a safe distance and avoid accidents
• Raise deductibles to save money
• Full coverage is expensive so only insure older vehicles for liability only
• Ensure you have the best deal by shopping around regularly

That final tip is certainly necessary, as we discussed in the prior article. Insurance prices vary greatly, so drivers shouldn’t be reluctant to buy from a different company if a lower price can be found. Sticking with a specific company is fine, but we do not recommend it if that dedication is costing several hundred dollars every year. If you have a few minutes, compare rates to find cheaper insurance for a Hyundai Elantra.