Best Cheap Insurance for a Hyundai Elantra in Montana

The odds of finding the best cheap auto insurance for a Hyundai Elantra in Montana is contingent on a complex equation that considers factors such as the number of years you have been licensed, if you have ever let your policy lapse, and driving violations. Montana drivers pay on average $1,220 each year to buy Hyundai Elantra insurance, but that price is a projection that uses a 40-year-old married male driver that includes comprehensive and collision coverage and $1,000 physical damage deductibles.

It’s more than likely that you are not 40 and maybe not even a male, single instead of married, or maybe your Montana zip code is rated higher than the example. Having what appears to be a very minor change in rating factors can result in a large change in the cost of insurance.

Different coverage needs are the reason why the only real way to find the most affordable coverage for your Hyundai is to shop your policy around at every renewal. Quotes are free and easy and you will be able to compare rates from top-rated car insurance companies that sell coverage in Montana.

Compare Rates and Save

The trim level of your Elantra will be a contributing factor to the yearly cost, so the rate you pay to insure a Elantra GLS Touring Station Wagon model will be $110 cheaper than the insurance cost for the high end Elantra SE Touring Station Wagon model, as shown by the rates below.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Montana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific garaging location which can modify auto insurance rates noticeably.

Montana car insurance companies ranked

Buying coverage from the right auto insurance provider can be a challenge considering how many different companies insure vehicles in Montana. The company ratings in the next section can help you pick which car insurance companies you want to consider when comparing insurance rates for a Hyundai Elantra.

These ratings only include large insurance companies, so companies without a large exposure are not factored into the list. To compare price quotes from the most competitive companies in Montana, follow this link.

Top 10 Large Auto Insurance Providers in Montana Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Progressive
5. The General
6. Allstate
7. AAA Insurance
8. American Family
9. Nationwide
10. Travelers

Top 10 Large Auto Insurance Providers in Montana Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Progressive
6. Liberty Mutual
7. Allstate
8. The Hartford
9. The General
10. Farmers Insurance

Top Companies for Hyundai Elantra Insurance in Montana

Discount Montana car insurance

Insurance providers that provide the best cheap insurance for a Hyundai Elantra in Montana may also provide policy discounts that could potentially reduce rates by as much as 35% or more if you are eligible to receive them. A list of car insurance companies and a partial list of their discounts can be found below.

• GEICO has savings for federal employee, five-year accident-free, membership and employees, driver training, and daytime running lights.
• SAFECO may offer discounts for safe driver, anti-theft, accident prevention training, multi-car, and anti-lock brakes.
• State Farm may include discounts for driver’s education, good student, safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, and accident-free.
• MetLife offers discounts including defensive driver, accident-free, multi-policy, good student, good driver, and claim-free.
• 21st Century discounts include automatic seat belts, anti-lock brakes, early bird, good student, driver training, student driver, and defensive driver.
• Progressive includes discounts for online signing, continuous coverage, homeowner, good student, multi-vehicle, online quote discount, and multi-policy.

The diagram below shows the difference between premium costs with and without some available policy discounts. The data assumes a female driver, no accidents or driving violations, Montana state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, multiple policy, vehicle safety, accident-free, multiple vehicle, and marriage discounts applied. With discounts applied, the the average yearly reduction on car insurance for a Hyundai Elantra is 28% or $809.

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Car insurance rates are higher with tickets and accidents

The best way to get the cheapest car insurance rates in Montana for an Elantra is to be a safe driver and avoid traffic citations and accidents. The chart below illustrates how traffic citations and accident claims raise auto insurance rates for different age categories. The costs are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 5173,6159,9795],[‘Age 30’, 2711,3695,7333],[‘Age 40’, 2665,3653,7291],[‘Age 50’, 2423,3411,7051],[‘Age 60’, 2343,3329,6969],[‘Age 70’, 2855,3841,7483]]);var options = {title: ‘Impact of Tickets and Accidents on Montana 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 Montana’,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 previous chart, the average cost of an auto insurance policy in Montana per year with no violations or accidents is $3,028. Get two speeding tickets and the average cost swells to $4,015, an increase of $986 each year. Next add two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Hyundai Elantra goes up to an average of $7,654. That’s an increase of $4,625, or $385 per month, just for not driving carefully!

Who has the cheapest Hyundai Elantra insurance quotes?

Consumers have many ways to find affordable car insurance in Montana, but the most popular are from an independent agent, an exlusive agent such as Allstate or Liberty Mutual, or from a direct company like Progressive or Geico. You can use whichever you prefer, but they are slightly different in how they function.

Independent agents work with multiple companies and can quote your policy with each one. These agents are not required to write business for one company and can provide you with more rates, which can give you a better comparison. If they find a cheaper price, your agent can just switch to a different company and you don’t have to find a new agent.

A captive, or exclusive, agent is only able to quote your policy with a single company, two examples being an Auto-Owners or Allstate agent. This type of agents cannot provide rates from more than one company, so it’s a take it or leave it situation.

If you want to buy car insurance direct, you skip a local insurance agent and buy from a direct company like Geico or Esurance. This option can be good for consumers who have an average risk profile and have a decent understanding of what car insurance covers.

When shopping for car insurance, which way works best for finding the best cheap insurance for a Hyundai Elantra in Montana? We’d like to tell you shopping direct results in the cheapest rates because there isn’t an agent involved, but that is not always the case. An argument could also be made that an independent agent is the best way to save since there are more companies to choose from, but again, that’s not a true statement. And occasionally, the exclusive agents may have very competitive prices that are impossible to beat.

Due to the fact that car insurance rates vary so much, really the only way to make sure you’re not overpaying for car insurance is to get as many comparison quotes as possible. Experts recommend getting price quotes from independent, exclusive, and direct to have the best rate selection. For a list of car insurance companies with low rates, click here to view.