Insurance for Hyundai ElantraHow many times have you said it's time to compare more affordable Hyundai Elantra insurance in San Jose? Are you kicking yourself for buying overpriced Hyundai Elantra insurance in San Jose? Don't feel bad because many San Jose drivers feel the same as you.

It's hard to fathom, but about 70% of customers have been with the same company for over three years, and 38% of customers have never taken the time to shop around. Many drivers in San Jose could save an average of $500 each year, but most tend to underestimate the amount of savings they would get if they replace their high priced policy.

People have many auto insurance companies to buy insurance from, and although it's a good thing to be able to choose, more options can take longer to compare rates and find the lowest cost car insurance.

Consumers need to get comparison quotes occasionally because prices tend to go up over time. Even if you think you had the best price on Hyundai Elantra insurance in San Jose two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the right way to find great coverage at a great price.

The purpose of this article is to help educate you on the best way to buy inexpensive auto insurance. If you are paying for car insurance now, you will definitely be able to find the best rates using the ideas you're about to read. But California vehicle owners should learn how big insurance companies determine how much to charge and use this information to your advantage.

Companies offering low-cost Hyundai Elantra prices in San Jose, CA

The companies shown below have been selected to offer free rate quotes in San Jose, CA. If you want cheap car insurance in California, we recommend you visit as many as you can to find the most affordable car insurance rates.

Hyundai Elantra Insurance Estimates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $204 $366 $508 $30 $152 $1,260 $105
Elantra Blue 4-Dr Sedan $268 $672 $596 $36 $178 $1,750 $146
Elantra GLS 4-Dr Sedan $294 $698 $500 $30 $150 $1,672 $139
Elantra SE 4-Dr Sedan $380 $810 $442 $26 $132 $1,790 $149
Elantra SE Touring Station Wagon $192 $332 $386 $22 $116 $1,048 $87
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price information does not factor in specific location information which can increase or decrease premiums greatly.

Cautious San Jose drivers save money

The information below highlights how traffic violations and at-fault fender-benders raise Hyundai Elantra insurance costs for each age group. Data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Higher deductibles save money

The example below highlights how deductible choice and can impact Hyundai Elantra yearly insurance costs for each age group. The rate quotes are based on a single female driver, comp and collision included, and no additional discounts are factored in.

Hyundai Elantra liability-only versus full coverage

The example below visualizes the comparison of Hyundai Elantra annual premium costs with full coverage and liability only. The rates are based on no claims or driving citations, $1,000 deductibles, single female driver, and no discounts are applied to the premium.

When to switch to liability coverage only

There is no definitive guideline for phasing out comp and collision coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let's pretend your Hyundai Elantra book value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $3,000 after you pay the deductible. If you are paying more than $300 annually for full coverage, then it may be the right time to buy liability only.

There are some scenarios where removing full coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

How Your Elantra Insurance Rates are Determined

A large part of saving on car insurance is knowing a few of the rating criteria that help determine your policy premiums. If you have some idea of what controls the rates you pay, this empowers consumers to make smart changes that could help you find lower rates.

San Jose insurance discounts

Auto insurance companies don't list all their discounts very clearly, so the following list contains some of the more common in addition to some of the lesser obvious credits that may apply to you.Save money with discounts

Don't be surprised that most credits do not apply to the whole policy. A few only apply to individual premiums such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, it just doesn't work that way.

To see a list of companies with the best Hyundai Elantra insurance discounts in San Jose in San Jose, follow this link.

Get rate quotes but buy from a local San Jose insurance agency

A small number of people just want to get advice from a local agent and that is OK! A good thing about getting free rate quotes online is that drivers can save money and get cheap insurance rates and still have an agent to talk to. And buying from local agents is especially important in San Jose.

San Jose insurance agentsUpon completion of this simple form, your coverage information is submitted to participating agents in San Jose who will give you quotes for your business. You won't even need to contact any agents due to the fact that quote results will go directly to your email. It's the lowest rates without a big time investment. If you want to quote rates from a specific insurance provider, you would need to jump over to their website and fill out their quote form.

If you are wanting to purchase insurance from a reputable agency, it's helpful to know the types of agencies and how they are distinctly different. Insurance agencies are categorized either exclusive or independent agents depending on their company appointments.

Independent Agents

Agents in the independent channel do not have single company limitations so they can write business with an assortment of companies and get you the best rates possible. If your premiums go up, they simply move the coverage in-house which is easy for the insured.

If you are trying to find cheaper rates, you definitely need to get several quotes from independent agents to have the best price comparison.

Shown below is a short list of independent insurance agencies in San Jose that may be able to give free insurance quotes.

1095 Bird Ave #2 - San Jose, CA 95125 - (408) 298-1611 - View Map

All Coverage Insurance Agency
3033 Moorpark Ave #27 - San Jose, CA 95128 - (408) 244-9100 - View Map

San Jose Insurance
2542 S Bascom Ave - Campbell, CA 95008 - (408) 371-3700 - View Map

More San Jose agents

Exclusive Insurance Agents

Agents in the exclusive channel can only write with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to provide other company's prices so always compare other rates. Exclusive agents are well trained on what they offer which helps them compete with independent agents.

Shown below are exclusive agents in San Jose that are able to give comparison quotes.

3005 Silver Creek Rd #110 - San Jose, CA 95121 - (408) 270-3978 - View Map

950 S Bascom Ave #2113 - San Jose, CA 95128 - (408) 297-6686 - View Map

5589 Winfield Blvd #210 - San Jose, CA 95123 - (408) 268-8600 - View Map

More San Jose agents

Picking the best insurance agent requires you to look at more than just the price. Any agent in San Jose should have no problem answering these questions:

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as Allstate, GEICO and Progressive endlessly run television and radio advertisements. All the companies advertise claims that you can save if you just switch your policy. How does every company cost less than your current company? This is the trick they use.

Most companies provide the lowest rates for a prospective insured that is profitable for them. An example of a profitable insured could be between the ages of 30 and 50, has never had a claim, and drives a safe vehicle. Any new insured who matches those parameters receive the lowest rate quotes in San Jose and will save when switching.

Drivers who don't qualify for these stringent criteria must pay more expensive rates and this results in business not being written. If you pay close attention to the ads, they say "customers who switch" but not "all drivers who get quotes" can get the lowest rates when switching. That's the way insurance companies can make claims like that.

This really drives home the point why drivers must get price quotes at each policy renewal. It is impossible to predict with any certainty which company will have the lowest rate quotes.

The best insurance company isn't always the cheapest

When getting San Jose car insurance quotes online, never reduce needed coverages to save money. There are too many instances where an insured dropped collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price but still have enough coverage for asset protection.

We just presented many ideas to get a better price on Hyundai Elantra insurance in San Jose. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. You may even discover the lowest priced car insurance comes from a small local company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

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