Compare Hyundai Elantra Insurance Quotes in Birmingham

Insurance rates Hyundai Elantra in BirminghamWould you like an easy way to compare cheaper Hyundai Elantra insurance in Birmingham? No one gets a kick out of paying for insurance, particularly when they could find better prices if they shop around.

A recent study showed that a large majority of consumers kept their coverage with the same insurance company for a minimum of four years, and virtually 40% of consumers have never shopped around. The average driver in Birmingham could save $490 a year by just shopping around, but they won't spend time to shop their coverage around. Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest rate possible on Hyundai Elantra insurance in Birmingham.

It's a great practice to compare premium rates periodically due to the fact that insurance rates change regularly. Even if you think you had the best deal on Hyundai Elantra insurance in Birmingham last year there may be better deals available now. Forget all the misinformation about insurance because it's time to teach you how to quote online to properly buy coverages and cut your premium.

The companies in the list below offer free quotes in Alabama. If multiple companies are shown, it's a good idea that you click on several of them in order to get a fair rate comparison.

Hyundai Elantra Insurance Costs in Birmingham, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $288 $430 $376 $22 $112 $1,228 $102
Elantra Blue 4-Dr Sedan $120 $318 $354 $20 $106 $918 $77
Elantra GLS 4-Dr Sedan $182 $408 $382 $22 $114 $1,108 $92
Elantra SE 4-Dr Sedan $178 $400 $456 $26 $136 $1,196 $100
Elantra SE Touring Station Wagon $282 $514 $292 $18 $88 $1,194 $100
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price information does not factor in zip code location which can modify rates considerably.

Safe drivers pay less for car insurance

The illustration below demonstrates how speeding tickets and accidents can drive up Hyundai Elantra insurance costs for each different age group. The premiums assume a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Price comparison of only insuring for liability

The diagram below visualizes the comparison of Hyundai Elantra car insurance rates when comparing full coverage to liability only. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, married female driver, and no discounts are applied.

When to switch to liability coverage only

There is no clear-cut formula that works best for making the decision to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of coverage is 10% or more of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's pretend your Hyundai Elantra replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying your policy deductible. If premium cost is more than $800 annually to have full coverage, then it might be time to consider dropping full coverage.

There are a few cases where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder's interest. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Discounts can help lower rates on Hyundai Elantra insurance in Birmingham

Insuring your vehicles can cost a lot, but there's a good chance there are discounts to cut the cost considerably. Some discounts will apply at quote time, but some discounts are required to be requested specifically before you will receive the discount.Car insurance discounts

Don't be surprised that some credits don't apply to the whole policy. Some only reduce specific coverage prices like medical payments or collision. Even though it appears you would end up receiving a 100% discount, companies wouldn't make money that way.

Some of the insurance companies who might offer most of the discounts above include:

When quoting, ask every insurance company the best way to save money. Some of the earlier mentioned discounts may not apply to policyholders in your state. For a list of insurance companies that provide some of the discounts listed above in Alabama, click here to view.

It may be expensive, but it's not optional

Despite the high insurance cost for a Hyundai Elantra in Birmingham, insurance is required for several reasons.

The benefits of carrying enough insurance are without a doubt worth the cost, especially when you need to use it. According to a recent study, the average American driver is wasting up to $850 per year so compare quotes from several companies each time the policy renews to ensure rates are competitive.

Local Birmingham car insurance agents

Some people still prefer to talk to an insurance agent and there is nothing wrong with that. Agents can help determine the best coverages and help file insurance claims. The biggest benefit of comparing insurance prices online is the fact that drivers can get cheap rate quotes and still buy from a local agent.

Birmingham insurance agentsTo help locate an agent, after submitting this simple form, your insurance coverage information is emailed to agents in your area that provide free Birmingham car insurance quotes for your business. It's much easier because you don't need to do any legwork since rate quotes are delivered to your email. If you need to get a comparison quote from one company in particular, just visit that company's website and fill out the quote form the provide.

Finding a good insurance company is decision based upon more than just a low price. These are some questions you should get answers to.

Two types of Birmingham auto insurance agents

If you would like to find a reputable agency, you need to know there are two different types of agencies that differ in how they can insure your vehicles. Agents in Birmingham can be classified as either exclusive or independent. Either can provide insurance policies, but it is important to understand how they differ since it may influence your agent selection.

Exclusive Insurance Agencies

Agents of this type can usually just insure with one company and examples are Farmers Insurance, Allstate, or State Farm. These agents are not able to provide rate quotes from other companies so you might not find the best rates. Exclusive agents receive extensive training on their company's products which can be an advantage.

The following is a list of exclusive agencies in Birmingham who may provide you with price quotes.

2400 Acton Rd - Birmingham, AL 35243 - (205) 978-7000 - View Map

334 6th Ave S - Birmingham, AL 35205 - (205) 325-1745 - View Map

3301 Lorna Rd Suite 2 - Birmingham, AL 35216 - (205) 824-4449 - View Map

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Independent Insurance Agents

Agents in the independent channel often have affiliation with several companies and that gives them the ability to insure with any number of different companies and get you the best rates possible. If they find a lower price, they simply switch companies in-house which makes it simple for you. If you are comparing rate quotes, you definitely need to get some free quotes from multiple independent agents in order to have the best price comparison.

Shown below are Birmingham independent agents who can help you get rate quotes.

213 Gadsden Hwy # 111 - Birmingham, AL 35235 - (205) 836-5959 - View Map

2015 Kentucky Ave - Birmingham, AL 35216 - (205) 822-5477 - View Map

4009 Crosshaven Dr - Birmingham, AL 35243 - (205) 970-2187 - View Map

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After getting positive feedback to these questions as well as cheaper Elantra insurance quotes, chances are good that you have found an auto insurance agent that is a good match to insure your vehicles.