Save Money on Hyundai Elantra Insurance in Portland

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Insurance rates Hyundai Elantra in PortlandWant to save money and find the cheapest Hyundai Elantra insurance in Portland? Finding the cheapest insurance for a Hyundai Elantra in Oregon can normally be difficult, but you can use the following methods to find lower rates.

There is a better way to buy auto insurance and we'll show you the proper way to price shop coverage on a Hyundai and get the best price possible from Portland insurance agents and online providers.

If you are insured now or are looking for a new policy, use these cost-cutting techniques to reduce the price you pay and possibly find even better coverage. Shopping around for cheaper protection in Portland is not as hard as you think. Smart shoppers just have to use the most efficient way to get comparison rates on the web.

Quote Portland Hyundai Elantra insurance online

Getting a cheaper price on Hyundai Elantra insurance is actually quite simple. Drivers just need to take the time comparing price quotes to see which company has affordable Portland auto insurance quotes.

The companies shown below have been selected to offer price comparisons in Portland, OR. In order to find cheap auto insurance in Portland, OR, we recommend you visit several of them in order to find the most affordable rates.

Hyundai Elantra insurance analysis

The price information below highlights different insurance prices for Hyundai Elantra models. Having knowledge of how insurance rates are figured can be of help when making informed decisions when comparing rates.

Hyundai Elantra Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $128 $244 $354 $20 $106 $852 $71
Elantra Blue 4-Dr Sedan $128 $348 $416 $24 $124 $1,040 $87
Elantra GLS 4-Dr Sedan $146 $348 $416 $24 $124 $1,058 $88
Elantra SE 4-Dr Sedan $146 $348 $416 $24 $124 $1,058 $88
Elantra SE Touring Station Wagon $146 $296 $354 $20 $106 $922 $77
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rates do not factor in vehicle location which can affect rates greatly.

Comparison of policy deductibles

One common question asked by Portland drivers is how high should the deductibles for physical damage be. The comparison tables below lay out the difference in cost when you buy lower versus higher coverage deductibles. The first data table uses a $250 physical damage deductible and the second price chart uses a $500 deductible.

Hyundai Elantra insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $216 $342 $272 $16 $82 $953 $79
Elantra Blue 4-Dr Sedan $216 $490 $320 $18 $96 $1,165 $97
Elantra GLS 4-Dr Sedan $246 $490 $320 $18 $96 $1,195 $100
Elantra SE 4-Dr Sedan $246 $490 $320 $18 $96 $1,195 $100
Elantra SE Touring Station Wagon $246 $416 $272 $16 $82 $1,057 $88
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Hyundai Elantra insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $174 $276 $272 $16 $82 $820 $68
Elantra Blue 4-Dr Sedan $174 $396 $320 $18 $96 $1,004 $84
Elantra GLS 4-Dr Sedan $200 $396 $320 $18 $96 $1,030 $86
Elantra SE 4-Dr Sedan $200 $396 $320 $18 $96 $1,030 $86
Elantra SE Touring Station Wagon $200 $336 $272 $16 $82 $906 $76
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Information does not factor in garaging location in Portland which can change price quotes considerably.

Using the data above, we can ascertain that using a $250 deductible costs an average of $13 more each month or $156 a year than selecting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at least 19 months between claim filings, you would probably come out ahead if you opt for a higher deductible. The table below shows how we made this calculation.

Average monthly premium for $250 deductibles: $93
Average monthly premium for $500 deductibles (subtract): - $80
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

The chart below illustrates how your choice of deductibles and can influence Hyundai Elantra insurance prices for different categories of driver ages. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

Don't assume everyone needs the same insurance coverage

When it comes to the best insurance coverage, there isn't really a one size fits all plan. Every insured's situation is different and your policy should reflect that.Insurance savings For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my son or daughter covered when driving my car?
  • Is pleasure use cheaper than using my Hyundai Elantra to commute?
  • Is my vehicle covered by my employer's policy when using it for work?
  • If I use my vehicle for business use is it covered?
  • Is business equipment covered while in my vehicle?
  • Does having multiple vehicles earn me a discount?

If you can't answer these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It's fast, free and you can get the answers you need.

Car insurance quotes from local Portland insurance agents

A lot of people just want to get professional advice from a licensed agent and that is recommended in a lot of cases Most agents are trained to spot inefficiencies and help file insurance claims. A good thing about comparing car insurance online is the fact that you can find the best rates and still choose a local agent. And buying from neighborhood insurance agencies is important especially in Portland.

By using this short form, your information gets sent to insurance agents in Portland who will return price quotes for your coverage. You don't have to search for any insurance agencies since rate quotes are delivered directly to you. In the event you want to get a price quote from a specific insurance company, you would need to jump over to their website and submit a quote form there.

If you want to buy car insurance from a reliable insurance agent, it's helpful to know the different types of agents that you can choose from. Car insurance agents are either independent or exclusive. Either one can sell and service car insurance coverage, but we need to point out how they differ because it can influence the selection process.

Independent Insurance Agents

Independent agents are not employed by any specific company so they can write business through many different car insurance companies and get you the best rates possible. To move your coverage to a new company, your policy is moved internally and you stay with the same agent.

If you are comparing car insurance prices, you definitely need to get insurance quotes from independent agents to ensure the widest selection of prices. Most can insure with smaller companies which may provide better rates.

Listed below is a short list of independent insurance agents in Portland that can possibly get you price quotes.

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Exclusive Insurance Agencies

Exclusive agents can only place business with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive agencies receive a lot of sales training in insurance sales which helps them sell on service rather than price. A lot of people use the same exclusive agent mainly due to the prominence of the brand rather than having the cheapest rates.

The following is a short list of exclusive insurance agents in Portland that can give you comparison quotes.

More insurance agents

Deciding on a car insurance agent is decision based upon more than just a cheap price. The answers to these questions are important, too.

  • Do they prorate repair cost based on vehicle mileage?
  • What insurance company do they write the most business with?
  • How are claims handled?
  • Is the quote a firm price?
  • Will they take your side in the event of a claim?
  • How long have they been in business?
  • Are they properly licensed to sell insurance in Oregon?

Once you have received positive feedback to any questions you may have and locked in a price quote, most likely you have located an insurance agent that can be relied on to adequately provide car insurance. Just understand that it's your coverage and you can cancel your coverage any time you want so don't feel you're contractually obligated to any particular company with no way to switch.