Did budget coverage turn out to be an underperforming, overpriced auto insurance policy? Believe me when I say you are not the only one feeling buyer's remorse.

Insurance for Hyundai ElantraRegrettably, almost 70% of insureds in Texas have stayed with the same insurance company for four years or more, and virtually 40% of consumers have never shopped around. With the average premium in America being $1,847, drivers could save approximately 47% every year by just shopping around, but they just assume it's a time-consuming process to do a rate comparison.

Companies like State Farm, Progressive and GEICO increase brand awareness with catchy ads and it is challenging if not impossible to sift through the bull and find the best price available.

Discounts can help save money on Hyundai Elantra insurance in San Antonio

Not many people think insurance is cheap, but there's a good chance there are discounts that could help you make your next renewal payment. Some discounts apply automatically when you quote, but a few must be requested specifically before they will apply.

It's important to note that some of the credits will not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you aren't that lucky. But all discounts should help reduce your overall premium however.

A few companies who might offer many of the previously listed discounts include:

It's a good idea to ask every company to give you their best rates. Savings may not be offered in your state. To see a list of insurance companies with discount rates in Texas, follow this link.

Compare Hyundai Elantra insurance rates

The majority of larger companies make it easy to get prices on their websites. The process is fairly straightforward because it's just a matter of typing in the amount of coverage you want into a form. When complete, the quote system will order information on your driving record and credit history and quotes a price. Using the web to get rate quotes for Hyundai Elantra insurance in San Antonio makes it simple to compare prices and it's very important to get many rate quotes in order to get the best rate possible.

To find out how much you're overpaying now, compare rates from the companies below. If you have coverage now, it's recommended you copy the coverages identical to your current policy. Doing this guarantees you will be getting a price comparison based on similar coverages.

The companies shown below have been selected to offer comparison quotes in San Antonio, TX. To find cheap car insurance in Texas, it's highly recommended you visit several of them to get the best price comparison.

Hyundai Elantra Insurance Estimates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $220 $400 $340 $20 $102 $1,082 $90
Elantra Blue 4-Dr Sedan $202 $462 $388 $24 $116 $1,192 $99
Elantra GLS 4-Dr Sedan $140 $306 $358 $22 $108 $934 $78
Elantra SE 4-Dr Sedan $208 $368 $500 $30 $150 $1,256 $105
Elantra SE Touring Station Wagon $266 $492 $438 $26 $130 $1,352 $113
Get Your Own Custom Quote Go

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Table data does not factor in vehicle garaging location which can revise premium rates considerably.

Deductible comparison

The chart below shows how different deductible levels and can increase or decrease Hyundai Elantra insurance costs for different categories of driver ages. The premiums are based on a married female driver, comp and collision included, and no additional discounts are factored in.

Should you raise deductibles?

One frequently asked question is how high should the deductibles for physical damage be. The comparison tables below approximate the price difference between high and low physical damage deductibles. The first pricing table uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

Hyundai Elantra insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $286 $486 $324 $20 $96 $1,237 $103
Elantra Blue 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Elantra GLS 4-Dr Sedan $328 $698 $382 $22 $114 $1,569 $131
Elantra SE 4-Dr Sedan $328 $698 $382 $22 $114 $1,569 $131
Elantra SE Touring Station Wagon $328 $592 $324 $20 $96 $1,385 $115
Get Your Own Custom Quote Go
Hyundai Elantra insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $208 $328 $324 $20 $96 $976 $81
Elantra Blue 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Elantra GLS 4-Dr Sedan $240 $472 $382 $22 $114 $1,230 $103
Elantra SE 4-Dr Sedan $240 $472 $382 $22 $114 $1,230 $103
Elantra SE Touring Station Wagon $240 $400 $324 $20 $96 $1,080 $90
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Prices do not factor in garaging location in San Antonio which can revise rates substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $26 more each month or $312 for a full year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 15 months between claim filings, you would save more money by selecting a higher deductible.

Get Lower-cost Auto Insurance with These Tips

Many things are considered when you get a price on insurance. Some are obvious like a motor vehicle report, although others are less obvious such as your marital status or your vehicle rating.

Shown below are a few of the "ingredients" used by companies to determine your prices.

Insurance agent or online?

A lot of people just prefer to sit down with an agent and that is a smart decision The best thing about comparing rate quotes online is that you can find cheap insurance quotes and also buy local. And buying from local agencies is still important in San Antonio.

Find insurance agent in San AntonioUpon completion of this simple form, your insurance data is sent to agents in your area who will give you quotes to get your business. You don't have to leave your computer because prices are sent to you directly. You can find lower rates without the usual hassles of price shopping. If you need to compare rates from a specific insurance company, don't hesitate to navigate to their website and fill out the quote form the provide.

If you would like to find a local agent, it's helpful to know the types of agencies that you can choose from. Agencies in San Antonio can either be independent (non-exclusive) or exclusive.

Independent Insurance Agents (or Brokers)

Independent agents are not limited to a single company and that is an advantage because they can write policies amongst many companies and find the cheapest insurance rates. To transfer your coverage to a different company, the business is moved internally and you don't have to find a new agent.

When comparison shopping, you will definitely want to get several quotes from several independent insurance agents to have the best price comparison.

Shown below is a partial list of independent insurance agencies in San Antonio who may be able to give you competitive price quotes.

1100 NE Interstate 410 Loop - San Antonio, TX 78209 - (210) 822-2590 - View Map

Legion Insurance Agency
5309 Wurzbach Rd - San Antonio, TX 78230 - (210) 693-1501 - View Map

1534 W Contour Dr #101 - San Antonio, TX 78212 - (210) 828-7873 - View Map

View more San Antonio agents

Exclusive Insurance Agencies

Exclusive agencies are contracted to one company and some examples include AAA, Allstate, and State Farm. They generally cannot shop your coverage around so always compare other rates. These agents are usually quite knowledgeable on their products and sales techniques which can be an advantage.

Listed below are San Antonio exclusive agencies that can give you price quotes.

1840 S General McMullen Dr #109 - San Antonio, TX 78226 - (210) 433-9000 - View Map

14425 Brook Hollow Blvd Suite 101 - San Antonio, TX 78232 - (210) 494-7695 - View Map

16350 Blanco Rd #115 - San Antonio, TX 78232 - (210) 641-7711 - View Map

View more San Antonio agents

Picking the best car insurance agent needs to be determined by more than just the bottom line cost. Some important questions to ask are:

Auto insurance is not optional but you don't have to overpay

Even though San Antonio Elantra insurance rates can get expensive, auto insurance may be required and benefits you in several ways.

The benefits of insuring your Elantra outweigh the cost, particularly when you have a large claim. But the average American driver is currently overpaying as much as $869 every year so you should quote and compare rates every year to be sure current rates are still competitive.

Be persistent and save

In this article, we presented a lot of information how to compare Hyundai Elantra insurance car insurance rates in San Antonio. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest car insurance rates are with the smaller companies. They may have significantly lower premium rates on certain market segments as compared to the big name companies such as Progressive or GEICO.

Some auto insurance companies may not have rate quotes online and usually these small, regional companies work with independent agents. Low-cost Hyundai Elantra insurance in San Antonio is available on the web and with local San Antonio insurance agents, and you should be comparing both to get a complete price analysis.

More information is available on the following sites: