Discount Hyundai Elantra insuranceDo you want cheaper Hyundai Elantra insurance in Reno? Scraping up a payment for high-priced Hyundai Elantra insurance in Reno can eat up your checking account and maybe even restrict other spending. Comparing cost estimates can be a smart way to cut your insurance bill.

A recent study showed that 70% of consumers have been with the same company for over three years, and nearly 40% of drivers have never taken the time to shop around. Many drivers in the United States could save an average of nearly $860 each year just by shopping around, but they don't believe the actual amount they would save if they switched to a cheaper policy.

With people having so many companies to choose from that have cheap insurance for a Hyundai Elantra in Reno, it's nearly impossible to pick a lower cost car insurance company.

How to compare Hyundai Elantra insurance rate quotes in Reno, NV

When comparing auto insurance rates, know that more quotes helps improve the odds of finding the best offered rates. Not every company allows you to get price estimates online, so you also need to get quotes from them, too.

The auto insurance companies shown below offer free rate quotes in Reno, NV. If multiple providers are shown, we suggest you get rates from several of them to find the most affordable auto insurance rates.

Hyundai Elantra Insurance Rates in Reno, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $160 $274 $246 $14 $74 $768 $64
Elantra Blue 4-Dr Sedan $208 $472 $308 $18 $92 $1,098 $92
Elantra GLS 4-Dr Sedan $166 $374 $348 $20 $104 $1,012 $84
Elantra SE 4-Dr Sedan $144 $342 $372 $22 $112 $992 $83
Elantra SE Touring Station Wagon $166 $318 $276 $16 $82 $858 $72
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Information does not factor in specific zip code location which can alter prices noticeably.

Rate comparison for different deductibles

The illustration below highlights how deductible selection and can change Hyundai Elantra insurance rates for each different age group. The premiums assume a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

Impact of speeding/accidents on auto insurance rates

The example below illustrates how traffic citations and fender-benders can raise Hyundai Elantra auto insurance rates for different age groups of insureds. The premium estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.

Deductible analysis

One frequently asked question is how low should you set your deductibles. The rates below determine the rate differences when you buy lower versus higher insurance deductibles. The first rate quote example uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Hyundai Elantra insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $208 $330 $262 $16 $78 $919 $77
Elantra Blue 4-Dr Sedan $208 $472 $308 $18 $92 $1,123 $94
Elantra GLS 4-Dr Sedan $238 $472 $308 $18 $92 $1,153 $96
Elantra SE 4-Dr Sedan $238 $472 $308 $18 $92 $1,153 $96
Elantra SE Touring Station Wagon $238 $402 $262 $16 $78 $1,021 $85
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Hyundai Elantra insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $128 $208 $262 $16 $78 $692 $58
Elantra Blue 4-Dr Sedan $128 $298 $308 $18 $92 $844 $70
Elantra GLS 4-Dr Sedan $148 $298 $308 $18 $92 $864 $72
Elantra SE 4-Dr Sedan $148 $298 $308 $18 $92 $864 $72
Elantra SE Touring Station Wagon $148 $252 $262 $16 $78 $756 $63
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium costs do not factor in vehicle location which can decrease or increase prices considerably.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $23 more each month or $276 for a full year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 33 months between claim filings, you would save more money if you choose a higher deductible.

Save a ton with discounts

The price of auto insurance can be rather high, but you may be missing some discounts to help bring down the price. Some discounts will apply when you purchase, but a few must be asked about prior to receiving the credit.Car insurance discounts

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, you aren't that lucky. But any discount will help reduce your overall premium however.

Popular car insurance companies and a selection of discounts include:

Before purchasing a policy, check with each company which discounts you qualify for. Some of the earlier mentioned discounts may not be offered in Reno.

Insurance agencies are trained to help

A small number of people prefer to visit with an insurance agent. A good thing about getting free rate quotes online is the fact that drivers can get lower prices and still buy from a local agent. Buying from and supporting local agencies is definitely important in Reno.

Find insurance agent in RenoFor easy comparison, once you complete this short form, your information gets sent to agents in your area who will give you quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to find an agent due to the fact that quote results will go directly to your email. Get lower rates AND a local agent. If for some reason you want to compare rates from a specific company, you just need to search and find their rate quote page and submit a quote form there.

If you want to buy car insurance from a reputable agency, you must know there are a couple types of insurance agents that you can select. Insurance agencies in Reno are classified as either exclusive agents or independent agents.

Independent Agencies or Brokers

Independent agents often have many company appointments so they can insure your vehicles through many different car insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, an independent agent can move your coverage and you won't have to switch agencies. When comparing car insurance prices, you will definitely want to compare prices from several independent agencies to get the best comparison.

Listed below are Reno independent insurance agents who can help you get price quotes.

6160 Plumas St # 201 - Reno, NV 89519 - (775) 829-2345 - View Map

560 California Ave - Reno, NV 89509 - (775) 348-4700 - View Map

3724 Lakeside Dr #100 - Reno, NV 89509 - (775) 323-5126 - View Map

More Reno agents

Exclusive Car Insurance Agents

These type of agents can only quote rates from one company like State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot compare rates from other companies so you might not find the best rates. Exclusive insurance agents are highly trained on sales techniques and that can be a competitive advantage.

Listed below is a list of exclusive insurance agencies in Reno willing to provide comparison quotes.

575 Forest St Ste 208 - Reno, NV 89509 - (775) 786-2288 - View Map

3939 S McCarran Blvd - Reno, NV 89502 - (775) 857-2202 - View Map

3590 W Plumb Ln b - Reno, NV 89509 - (775) 329-1191 - View Map

More Reno agents

Selecting an auto insurance agent should include more criteria than just a cheap quote. The questions below may impact your decision as well.

Which is the best car insurance?

When it comes to choosing coverage for your personal vehicles, there isn't really a cookie cutter policy. Your needs are not the same as everyone else's.Drive safe and save

For instance, these questions could help you determine whether you will benefit from professional help.

If it's difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Reno Insurance Costs are Influenced by These Factors

Lots of factors are used when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but others are more obscure such as your credit history or your commute time. A large part of saving on auto insurance is knowing a few of the rating criteria that help calculate the level of your policy premiums. If you know what determines premiums, this helps enable you to make changes that could result in lower premium levels.

The following are some of the most rate-impacting factors used by your company to calculate rates.

Auto insurance in Nevada serves several purposes

Even though it can be expensive, buying auto insurance may be required and benefits you in several ways.

The benefits of having insurance more than cancel out the cost, particularly when you have a large claim. But the average American driver is overpaying more than $865 each year so you should quote and compare rates once a year at a minimum to ensure rates are inline.

Shop around and save

You just read some good ideas how to find cheap Hyundai Elantra insurance in Reno. It's most important to understand that the more quotes you get, the better chance you'll have of finding low cost Reno car insurance quotes. You may even find the lowest car insurance rates come from a small mutual company.

People leave their current company for any number of reasons including questionable increases in premium, lack of trust in their agent, high prices and even unfair underwriting practices. It doesn't matter what your reason, choosing a new insurance company can be pretty painless.

Budget-friendly insurance in Reno is possible both online as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide rate quotes online and many times these small, regional companies work with independent agencies.

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