Trying to find cheap Hyundai Elantra insurance in Columbia can be challenging for drivers not familiar with quoting coverage prices online. With a ridiculous number of companies competing online, it can easily be a real difficult job to lower your prices on Hyundai Elantra insurance.
Sadly, over 70% of consumers renewed their policy with the same company for at least four years, and almost half have never taken the time to shop around. Columbia drivers could save as much as $749 a year by just shopping around, but most tend to underestimate how much they could save if they changed companies.
You should take the time to compare premium rates before your next renewal since insurance prices change quite often. Just because you had the lowest rates on Hyundai Elantra insurance in Columbia last year the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about auto insurance because you're about to learn the quickest way to eliminate unnecessary coverages and save money on Hyundai Elantra insurance in Columbia.
Cheapest Hyundai insurance prices in Columbia
The following companies can provide free rate quotes in South Carolina. If more than one company is shown, we suggest you visit several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$182||$288||$296||$18||$88||$872||$73|
|Elantra Blue 4-Dr Sedan||$198||$514||$358||$22||$108||$1,200||$100|
|Elantra GLS 4-Dr Sedan||$264||$524||$342||$20||$102||$1,252||$104|
|Elantra SE 4-Dr Sedan||$226||$518||$320||$18||$96||$1,178||$98|
|Elantra SE Touring Station Wagon||$180||$344||$392||$24||$118||$1,058||$88|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in specific location which can influence coverage rates significantly.
Full coverage rates vs. liability-only
The chart below shows the comparison of Hyundai Elantra premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on a clean driving record, no claims, $500 deductibles, single male driver, and no additional discounts are factored in.
Deciding between full coverage and liability only
There is no set guideline to stop buying comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let's pretend your Hyundai Elantra settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after you pay the deductible. If premiums are more than $200 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are some cases where only buying liability is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.
Irresponsible driving raises your rates
The illustration below shows how speeding tickets and at-fault claims can raise Hyundai Elantra yearly insurance costs for different age categories. The price estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
Age-based auto insurance rates by gender
The chart below shows the comparison of Hyundai Elantra auto insurance costs for male and female drivers. The premiums are based on no accidents or driving violations, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied.
Get cheaper Hyundai Elantra insurance rates in Columbia
Car insurance companies don't list all possible discounts in an easy-to-find place, so we researched some of the more common and the harder-to-find discounts you could be receiving when you buy Columbia car insurance online. If you're not getting every credit you qualify for, you are just wasting money.
- ABS Brakes - Cars with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
- Telematics Data Discounts - Policyholders that allow their car insurance company to study driving habits through the use of a telematics system such as Allstate's Drivewise and State Farm's In-Drive system could save a few bucks if they exhibit good driving behavior.
- One Accident Forgiven - Not really a discount, but companies like State Farm and Progressive allow you one accident before your rates go up as long as you don't have any claims for a set time period.
- Senior Citizens - Seniors could receive a discount up to 10%.
- No Claims - Drivers who don't have accidents pay less as compared to drivers with a long claim history.
- Seat Belts Save - Drivers who require all vehicle occupants to fasten their seat belts can save 10% or more off PIP or medical payments premium.
- Anti-theft Discount - Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
- Own a Home - Just owning your own home may trigger a policy discount on car insurance because maintaining a house is proof that your finances are in order.
- E-sign Discounts - Certain car insurance companies will give a small break for buying your policy on the internet.
- Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
Just know that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, you won't be that lucky.
To view providers that offer some of these discounts in South Carolina, click this link.
Buying from auto insurance agents
A small number of people just prefer to get professional advice from a licensed agent and doing so can bring peace of mind The biggest benefit of comparing rate quotes online is you may find better rates and still choose a local agent.
Once you complete this simple form, your information is immediately sent to local insurance agents who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to find an agent on your own due to the fact that quote results will go to your email. You can find the lowest rates and a licensed agent to talk to. If you wish to get a rate quote from a specific insurance provider, feel free to search and find their rate quote page and fill out the quote form the provide.
Finding the right company should include more criteria than just the quoted price. Here are some questions you should ask.
- Will one accident increase rates?
- How much experience to they have in personal lines coverages?
- How long has their agency been in business in Columbia?
- Are claims handled at the agent's location?
- Which company do they place the most coverage with?
- Does the company use OEM repair parts?
If you would like to find a reputable insurance agent or broker, you should know the different agency structures that you can choose from. Agents in Columbia are categorized either independent agents or exclusive agents.
Exclusive Insurance Agencies
Agents in the exclusive channel have only one company to place business with such as Allstate, State Farm and Farm Bureau. They usually cannot give you multiple price quotes so they really need to provide good service. Exclusive insurance agents are usually quite knowledgeable in insurance sales and that enables them to sell even at higher rates. Many people buy from exclusive agents mostly because of high brand loyalty and solid financial strength.
Below is a list of exclusive agents in Columbia who may provide you with price quotes.
- Allstate Insurance: Trevor Wright
1945 Decker Blvd Ste 13 - Columbia, SC 29206 - (803) 661-6690 - View Map
- Allstate Insurance: The Owens Agency, LLC
6316 St Andrews Rd b - Columbia, SC 29212 - (803) 798-0404 - View Map
- Marilyn Wilson - State Farm Insurance Agent
10201 Two Notch Rd - Columbia, SC 29229 - (803) 788-2884 - View Map
Independent Insurance Agents
Agents that choose to be independent often have affiliation with several companies so they can quote policies with any number of different companies and potentially find a lower price. If prices rise, an independent agent can move your coverage and the insured can keep the same agent. If you are comparing rate quotes, you will definitely want to check rates from independent agents in order to have the best price comparison. Many write coverage with small regional insurance companies that may provide cheaper insurance rates.
The following are independent agencies in Columbia that can give you price quotes.
- KLOSTERMAN INSURANCE AGENCY LLC
10248 Two Notch Rd - Columbia, SC 29229 - (803) 736-6161 - View Map
- Giles Insurance Agency
2442 Devine St - Columbia, SC 29205 - (803) 728-3318 - View Map
- Midland Agency
22 Office Park Ct - Columbia, SC 29223 - (803) 788-1312 - View Map
Upon receiving reasonable responses and an affordable coverage quote, most likely you have located a car insurance agent that is reputable and can service your policy. Keep in mind consumers can cancel your coverage whenever you choose to so don't feel you're contractually obligated to a specific agent with no way to switch.
The best rates come from being thorough
Cheap Hyundai Elantra insurance in Columbia can be found on the web as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not offer the ability to get a quote online and many times these small, regional companies provide coverage only through independent agencies.
As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. There are a lot of situations where an insured dropped full coverage and learned later that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.
Insureds switch companies for a number of reasons such as questionable increases in premium, lack of trust in their agent, high prices or being labeled a high risk driver. It doesn't matter why you want to switch switching insurance companies can be less work than you think.
Much more information about insurance in South Carolina is located below:
- Preventing Carjacking and Theft (Insurance Information Institute)
- Who Has Cheap South Carolina Auto Insurance for a Toyota Corolla? (FAQ)
- What Car Insurance is Cheapest for Teenagers in South Carolina? (FAQ)
- Older Drivers FAQ (iihs.org)
- Eight Auto Insurance Myths (Insurance Information Institute)
- State Car Insurance Guides (GEICO)