Would you like to buy low-cost Hyundai Elantra insurance in Jacksonville? If you’re shopping for lower-priced insurance online, are you overwhelmed by the number of insurance companies in Jacksonville? You have so many choices that it can turn into hard work to find lower rates on Hyundai Elantra insurance. If you’ve ever been there, you know that Jacksonville is an excellent city in which to live, but the high premiums for insurance makes it very hard to meet other financial obligations.
It’s easy to assume that auto insurance companies want to keep your business as long as possible. Drivers who compare rates once a year will most likely switch companies because the odds are good of finding discount prices. A recent study showed that drivers who compared prices once a year saved an average of $3,400 over four years compared to those who didn’t regularly shop around.
If finding the cheapest price for insurance in Jacksonville is your ultimate goal, then having some insight into the best ways to find and compare insurance rates can save time and make the process easier.
Buying affordable insurance in Jacksonville seems hard but is not really that difficult. In a nutshell, every car owner who compares rate quotes for insurance stands a good chance to be able to save money. But Florida vehicle owners must learn how the larger insurance companies set your policy premium and use this information to your advantage.
The easiest way to compare policy rates for Hyundai Elantra insurance in Jacksonville is to understand most of the larger companies provide online access to provide you with a free rate quote. To start a quote, the only thing you need to do is provide details such as what your job is, driver details, whether you are married, and any included safety features. Your rating data gets sent immediately to multiple companies and you will receive price estimates within a short period of time.
If you would like to compare rates now, click here and enter the information requested.
The providers in the list below are our best choices to provide comparison quotes in Jacksonville, FL. If the list has multiple companies, we suggest you get rates from several of them to find the most affordable auto insurance rates.
These discounts can lower your auto insurance quotes
Properly insuring your vehicles can get expensive, but you may be missing some discounts to cut the cost considerably. A few discounts will automatically apply when you complete an application, but a few must be manually applied before they will apply.
- Switch and Save Discount – A few companies allow discounts for renewing your policy before your current coverage expires. Ten percent is about the average savings.
- Online Discount – Some of the larger companies give back up to $50 for completing your application on their website.
- Resident Student – Any of your kids living away from Jacksonville attending college and do not take a car to college can receive lower rates.
- Jacksonville Homeowners Discount – Owning a house in Jacksonville can earn you a little savings since owning and maintaining a home means you have a higher level of financial diligence.
- Low Mileage Discounts – Low annual miles can qualify you for better auto insurance rates on cars that stay parked.
- Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up may be able to save a few bucks on medical payment and PIP coverage.
- Telematics Discount – Insureds that choose to allow companies to spy on driving habits through the use of a telematics system like Allstate’s Drivewise might see lower rates if they have good driving habits.
- Senior Citizens – Drivers over the age of 55 could receive a small decrease in premiums.
- Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.
- Federal Government Employee – Having worked for a branch of the government may reduce rates when you quote Jacksonville car insurance with a few auto insurance companies.
You should keep in mind that most credits do not apply to the entire cost. Most only cut individual premiums such as comp or med pay. So even though you would think it’s possible to get free car insurance, you’re out of luck.
The diagram below visualizes the comparison of Hyundai Elantra insurance rates with and without discounts applied to the policy rates. The prices are based on a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, homeowner, multi-policy, and claim-free discounts applied.
To find companies that provide some of the discounts listed above in Jacksonville, click here to view.
Rates and statistics
The coverage information below covers different coverage prices for Hyundai Elantra models. Being able to understand how car insurance prices are established can help you make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $196 | $352 | $400 | $24 | $120 | $1,092 | $91 |
| Elantra Blue 4-Dr Sedan | $196 | $506 | $472 | $28 | $142 | $1,344 | $112 |
| Elantra GLS 4-Dr Sedan | $226 | $506 | $472 | $28 | $142 | $1,374 | $115 |
| Elantra SE 4-Dr Sedan | $226 | $506 | $472 | $28 | $142 | $1,374 | $115 |
| Elantra SE Touring Station Wagon | $226 | $430 | $400 | $24 | $120 | $1,200 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in your specific Jacksonville location which can raise or lower insurance rates significantly.
Where to set your deductibles
One of the most common auto insurance questions is how low should you set your deductibles. The rates below may help you to understand the costs and benefits when you choose different deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $280 | $446 | $354 | $20 | $106 | $1,231 | $103 |
| Elantra Blue 4-Dr Sedan | $280 | $640 | $418 | $24 | $124 | $1,511 | $126 |
| Elantra GLS 4-Dr Sedan | $322 | $640 | $418 | $24 | $124 | $1,553 | $129 |
| Elantra SE 4-Dr Sedan | $322 | $640 | $418 | $24 | $124 | $1,553 | $129 |
| Elantra SE Touring Station Wagon | $322 | $544 | $354 | $20 | $106 | $1,371 | $114 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $228 | $360 | $354 | $20 | $106 | $1,068 | $89 |
| Elantra Blue 4-Dr Sedan | $228 | $516 | $418 | $24 | $124 | $1,310 | $109 |
| Elantra GLS 4-Dr Sedan | $262 | $516 | $418 | $24 | $124 | $1,344 | $112 |
| Elantra SE 4-Dr Sedan | $262 | $516 | $418 | $24 | $124 | $1,344 | $112 |
| Elantra SE Touring Station Wagon | $262 | $438 | $354 | $20 | $106 | $1,180 | $98 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in vehicle garaging location which can revise auto insurance rates noticeably.
Based on the above data, using a $250 deductible will cost in the ballpark of $16 more each month or $192 a year averaged for all Elantra models than selecting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average at least 16 months between claims, you would probably come out ahead by selecting a higher deductible.
Poor driving habits will raise your auto insurance rates
The diagram below shows how traffic citations and fender-benders raise Hyundai Elantra insurance costs for each age group. The costs are based on a married male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
Auto insurance rates based on gender
The diagram below illustrates the difference between Hyundai Elantra auto insurance costs for male and female drivers. The rates are based on no accidents, no driving violations, full physical damage coverage, $100 deductibles, single status, and no other discounts are factored in.
Cost of full coverage in Jacksonville
The diagram below shows the difference between Hyundai Elantra premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no claims, a clean driving record, $1,000 deductibles, marital status is single, and no discounts are applied.
When to stop buying comprehensive and collision coverage
There is no clear-cut rule to delete comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s say your Hyundai Elantra settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,000 after paying your policy deductible. If you are paying over $800 a year to have full coverage, the it may be a good time to stop paying for full coverage.
There are a few cases where eliminating full coverage is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Are insurance agencies used anymore?
Some people still like to talk to an insurance agent and we recommend doing that One of the best bonuses of getting online price quotes is the fact that you can find cheaper premium rates and still have an agent to talk to.
Once you complete this short form, your insurance data is immediately sent to participating agents in Jacksonville who will give you bids to get your business. It’s much easier because you don’t need to leave your computer since price quotes are sent to the email address you provide. You can find better rates without a big time investment. If you want to get a rate quote from a specific auto insurance provider, you just need to jump over to their website and fill out their quote form.
Choosing the best company requires more thought than just a low price. Here are some questions you might want to ask.
- Will high miles depreciate repair valuations?
- What is the financial rating for the quoted company?
- What insurance companies do they work with in Jacksonville?
- Is the agency covered by Errors and Omissions coverage?
- Are aftermarket or OEM parts used to repair vehicles?
- Which company do they place the most coverage with?
The different types of car insurance agents
If you want a reputable agency, it helps to know the two different agency structures and how they operate. Jacksonville agents may be either exclusive agents or independent agents.
Exclusive Auto Insurance Agents
Agents in the exclusive channel can only provide pricing for a single company and some examples include AAA, Allstate, and State Farm. They generally cannot place coverage with different providers so you might not find the best rates. These agents receive a lot of sales training in insurance sales which helps them sell insurance even at higher premiums. Some people will only purchase coverage from exclusives mainly due to high brand loyalty instead of buying on price only.
Shown below is a list of exclusive agents in Jacksonville who can help you get price quote information.
- Edie Williams – State Farm Insurance Agent
2325 Park St – Jacksonville, FL 32204 – (904) 425-4054 – View Map - Randy Taylor – State Farm Insurance Agent
3041 Monument Rd #1 – Jacksonville, FL 32225 – (904) 642-2400 – View Map - Allstate Insurance: James R. Stamper
3450 Dunn Ave Ste 104 – Jacksonville, FL 32218 – (904) 765-2919 – View Map
Independent Agents
These type of agents often have many company appointments so they can write business with lots of companies and help determine which has the cheapest rates. If you want to switch companies, the business is moved internally and you don’t have to find a new agent.
When comparing auto insurance prices, you should always check rates from several independent insurance agents to get the most accurate price comparison. Most can insure with small mutual carriers which can be an advantage.
Shown below are Jacksonville independent insurance agents who can help you get comparison quotes.
- Giella Insurance Agency
7855 Argyle Forest Blvd #502 – Jacksonville, FL 32244 – (904) 783-3388 – View Map - Dwight Bacon Insurance Agency
6409 Merrill Rd – Jacksonville, FL 32277 – (904) 641-5940 – View Map - First Network Insurance Agency
6180 Fort Caroline Rd #3 – Jacksonville, FL 32277 – (904) 743-3492 – View Map
What Determines Hyundai Elantra Insurance Costs?
Many factors are used when you quote your car insurance policy. Most are fairly basic such as traffic violations, although some other factors are not quite as obvious such as your credit history or your commute time.
Do you know your physical damage deductibles? – Comp and collision deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of covered claims would be collision with another vehicle, animal collisions, and damage caused by road hazards. The more damage repair cost you pay before a claim is paid (deductible), the bigger discount you will receive.
Vehicles with better crash test results cost less to insure – Vehicles that have high safety ratings can get you lower premiums. These vehicles reduce the chance of injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates.
Your career may increase rates – Do you work in a high-stress field? Jobs like lawyers, police officers, and medical professionals have higher rates than average due to high stress levels and long work days. On the other hand, occupations such as farmers, historians and retirees receive lower rates.
Vehicle risk impacts costs – The make and model of the vehicle you are insuring makes a substantial difference in your rates. Lower performance four cylinder passenger vehicles usually have the lowest rates, but there are many factors that impact the final cost.
The data below uses these assumptions: married female driver age 30, full coverage with $500 deductibles, and no discounts or violations. It compares Hyundai Elantra insurance rates compared to other makes and models that have a range of performance risks.
City traffic equals higher rates – Having an address in small towns and rural areas can save you money when talking about auto insurance. Residents of big cities regularly have more auto accidents and longer commutes to work. Fewer drivers corresponds to lower accident rates as well as less vandalism and auto theft.
Insurance losses for a Hyundai Elantra – Companies factor in historical loss data when they calculate premium costs for each model. Vehicles that the data determines to have a higher amount or frequency of claims will have increased rates.
The table shown below demonstrates the historical insurance loss data for Hyundai Elantra vehicles. For each coverage type, the claim probability for all vehicles averaged together is considered to be 100. Numbers shown that are under 100 represent a good loss history, while values that are above 100 point to more claims or statistically larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Elantra | 102 | 102 | 90 | 133 | 137 | 117 |
| Hyundai Elantra GT | 95 | 91 | 95 | 112 | 114 | 107 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Here’s why car insurance is not optional
Despite the fact that car insurance is not cheap in Jacksonville, maintaining insurance is a good idea for several reasons.
- Most states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance if you don’t want to risk a ticket. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Hyundai Elantra, it’s guaranteed your bank will have a requirement that you have physical damage coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Hyundai for a lot more money and make you pay for it.
- Insurance safeguards your Hyundai and your assets. Insurance will pay for medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to have it repaired.
The benefits of insuring your car more than cancel out the cost, especially if you ever need it. The average driver in Florida is overpaying more than $750 every year so smart consumers compare quotes every year to ensure rates are inline.
Quote more and you will save more
Some insurance companies may not provide online quoting and usually these smaller providers provide coverage only through local independent agents. Budget-friendly insurance in Jacksonville can be bought both online in addition to local insurance agencies, so you need to compare both so you have a total pricing picture.
People switch companies for a number of reasons such as questionable increases in premium, lack of trust in their agent, policy cancellation and policy non-renewal. It doesn’t matter why you want to switch choosing a new insurance company is less work than it seems.
We just presented a lot of ways to find affordable Hyundai Elantra insurance in Jacksonville. The most important thing to understand is the more you quote Jacksonville car insurance, the better likelihood of getting low cost Jacksonville car insurance quotes. You may even discover the lowest rates are with a small mutual company.
How to save money on Hyundai Elantra insurance in Jacksonville
It takes a little time, but the best way to find the cheapest price for car insurance rates is to do a yearly price comparison from providers who provide car insurance in Jacksonville.
- Take a little time to learn about the coverage provided by your policy and the things you can change to keep rates low. Many rating criteria that result in higher rates such as traffic violations and a substandard credit score can be improved by making lifestyle changes or driving safer.
- Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can provide prices for many different companies. View insurance agents
- Compare the quotes to your existing rates to see if cheaper Elantra coverage is available. If you find a lower rate and change companies, make sure there is no lapse in coverage.
A key point to remember is to compare identical coverage information on every quote request and and to get quotes from as many different insurance providers as possible. This helps ensure a level playing field and many rates to choose from.
Helpful resources
- Crash Avoidance Technologies FAQ (iihs.org)
- What Auto Insurance is Cheapest for Felons in Jacksonville? (FAQ)
- Who Has Affordable Auto Insurance for Welfare Recipients in Jacksonville? (FAQ)
- Who Has Cheap Auto Insurance for a Learners Permit in Jacksonville? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Driving in Bad Weather (Insurance Information Institute)