How long has it been since you compared quotes for low-cost Hyundai Elantra insurance in Aurora? When shopping for lower-priced insurance, do you get confused by the wide range of car insurance sources available to you? Many other drivers are as well. Colorado people have so many options that it can be a real hassle to locate the lowest rates for Hyundai Elantra insurance in Aurora. Aurora is a good city to live in, but pricey car insurance can make it nearly impossible for many drivers to afford good insurance coverage.

Insurance for Hyundai ElantraRegrettably, most car insurance policyholders in Colorado kept buying from the same company for more than four years, and nearly the majority have never compared rates with other companies. Drivers in the U.S. could pocket roughly $860 a year just by shopping around, but they feel it's too difficult to shop around.

If you are paying for car insurance now, you will most likely be able to reduce premiums using the techniques covered below. Finding and comparing the cheapest insurance coverage in Aurora is not as time-consuming as you think. Nevertheless, Colorado car owners do need to know the methods companies use to calculate your policy premium because rates are impacted by many factors.

Best companies for cheap Hyundai Elantra insurance in Colorado

The providers in the list below offer quotes in Colorado. If multiple providers are shown, we recommend you compare several of them to get the most competitive price.

Hyundai Elantra Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $150 $258 $286 $16 $86 $796 $66
Elantra Blue 4-Dr Sedan $236 $538 $352 $20 $106 $1,252 $104
Elantra GLS 4-Dr Sedan $170 $360 $330 $20 $98 $978 $82
Elantra SE 4-Dr Sedan $212 $492 $456 $28 $136 $1,324 $110
Elantra SE Touring Station Wagon $264 $448 $304 $18 $92 $1,126 $94
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in specific zip code location which can lower or raise rates substantially.

Higher deductibles lower rates

The diagram below illustrates how choosing a deductible and can impact Hyundai Elantra insurance prices for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

Policy deductible comparison

One of the hardest decisions when shopping for auto insurance is where to set your physical damage deductibles. The premium rates below may help to conceptualize the differences in premium rates of buying low and high comp and collision deductibles. The first set of rates uses a $100 physical damage deductible and the second set of prices uses a $1,000 deductible.

Hyundai Elantra insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $264 $448 $298 $18 $90 $1,143 $95
Elantra Blue 4-Dr Sedan $264 $644 $352 $20 $106 $1,411 $118
Elantra GLS 4-Dr Sedan $302 $644 $352 $20 $106 $1,449 $121
Elantra SE 4-Dr Sedan $302 $644 $352 $20 $106 $1,449 $121
Elantra SE Touring Station Wagon $302 $546 $298 $18 $90 $1,279 $107
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Hyundai Elantra insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $146 $236 $298 $18 $90 $788 $66
Elantra Blue 4-Dr Sedan $146 $340 $352 $20 $106 $964 $80
Elantra GLS 4-Dr Sedan $168 $340 $352 $20 $106 $986 $82
Elantra SE 4-Dr Sedan $168 $340 $352 $20 $106 $986 $82
Elantra SE Touring Station Wagon $168 $288 $298 $18 $90 $862 $72
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rates do not factor in your specific Aurora location which can affect insurance rates noticeably.

We can derive from the above data that using a $100 deductible costs an average of $36 more each month or $432 annually than opting for the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 25 months between claim filings, you would most likely save money going with the higher deductible.

Cautious Aurora drivers save money

The illustration below demonstrates how traffic citations and at-fault collisions can raise Hyundai Elantra premium costs for each different age group. The rate quotes are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

Lower-cost Hyundai Elantra insurance quotes in Aurora

Some insurers don't always advertise all available discounts very clearly, so the list below details some of the more common and the more hidden credits that may apply to you. If you aren't receiving every discount you qualify for, you could be paying more than you need to.

It's important to note that most discount credits are not given the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, you're out of luck.

To find insurance companies that provide some of the discounts listed above in Colorado, click here to view.

Are insurance agencies of importance?

Many drivers just prefer to get advice from a local agent and doing that can be a smart decision One of the benefits of comparing auto insurance online is the fact that you can find cheap auto insurance quotes and still have an agent to talk to.

Aurora insurance agentsAfter filling out this simple form, your coverage information is immediately sent to agents in your area that provide free Aurora auto insurance quotes for your coverage. It's much easier because you don't need to contact any agents because quoted prices will be sent straight to your inbox. It's the lowest rates without the usual hassles of price shopping. In the event you want to get a rate quote for a specific company, feel free to jump over to their website and fill out the quote form the provide.

Choosing the best company should include more criteria than just the quoted price. Ask your prospective agent these questions:

If you are wanting to purchase auto insurance from a local Aurora insurance agent, you should know the different types of agencies and how they are distinctly different. Auto insurance agents in Aurora can be classified as either independent (non-exclusive) or exclusive.

Exclusive Auto Insurance Agencies

These agents are contracted to one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to compare rates from other companies so it's a take it or leave it situation. Exclusive agencies are usually quite knowledgeable on their company's products which can be an advantage. Consumers frequently buy from exclusive agents mostly because of the brand rather than low price.

Below is a list of exclusive insurance agents in Aurora who may provide you with price quotes.

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Independent Agents

Agents of this type often have many company appointments so they can insure your vehicles through many companies and get you the best rates possible. If you are not satisfied with one company, the agent simply finds a different carrier and you don't have to switch agencies. If you need cheaper auto insurance rates, you should always get some free quotes from multiple independent agents to ensure the widest selection of prices. Many independent agencies also insure through lesser-known insurance companies which may have better rates.

Listed below are Aurora independent agents who can help you get comparison quotes.

More insurance agents

After talking to the agent and getting positive feedback to all your questions and locked in a price quote, chances are good that you have found an insurance agent that can be trusted to provide auto insurance coverage. Just keep in mind it's your policy and you can cancel your policy at any time so don't feel you're contractually obligated to a specific company for the entire policy term.

Shop smart and save

When getting Aurora auto insurance quotes online, it's very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice collision coverage only to discover later that the few dollars in savings costed them thousands. The aim is to find the BEST coverage for the lowest price while not skimping on critical coverages.

Budget-conscious Hyundai Elantra insurance can be bought online and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies don't offer online price quotes and these smaller companies work with local independent agents.

Insureds leave their current company for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, an unsatisfactory settlement offer or even questionable increases in premium. Regardless of your reason for switching companies, finding the right insurance provider is not as hard as you think.

Additional detailed information is located at these sites: