1996 Hyundai Accent Insurance Quotes

Trying to find the cheapest auto insurance rates for your Hyundai Accent? Have you had enough of trying to scrape together enough money to make your auto insurance payment? Your situation is no different than many other drivers.

Drivers have many insurers to choose from, and although it’s a good thing to have multiple companies, it makes it harder to compare company pricing.

How to find the cheapest insurance coverage

There are a variety of methods to shop for insurance coverage, but some are less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with agents in your area, or you can stay home and use the internet to maximize your effort.

Many of the larger companies enroll in a system where insurance shoppers submit their information once, and each participating company returns a rated price for coverage. This system prevents you from having to do form submissions for every insurance coverage company.

To use this form to compare rates click here to start a free quote.

The one disadvantage to using this type of form is that you can’t choose the providers to get pricing from. So if you want to select from a list of companies to request quotes from, we have a listing of the cheapest insurance coverage companies in your area. View list of insurance companies.

However you get your quotes, be certain you are entering equivalent coverage data on every quote. If the quotes have higher or lower deductibles it will be next to impossible to determine which rate is truly the best. Even a minor difference in insurance coverages could throw off the whole comparison. Keep in mind that comparing more rates from different companies will enable you to find a better price. Some smaller insurers to not give online quotes, so you should also compare price estimates from them, too.

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Find discounts on auto insurance

Some companies do not advertise every available discount very clearly, so we took the time to find some of the more common in addition to some of the lesser obvious ways to save on auto insurance. If they aren’t giving you every credit you deserve, you are throwing money away.

• More Vehicles More Savings – Buying insurance for primary and secondary vehicles on a single policy can get a discount for every vehicle.
• Employee of Federal Government – Active or former government employment can earn a discount up to 10% for Accent coverage with certain companies.
• Discount for Multiple Policies – When you combine your auto and homeowners insurance with one company you will save 10% to 20% off each policy.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to wear their seat belts could save 15% on medical payment and PIP coverage.
• Low Mileage Discounts – Fewer annual miles on your Hyundai can qualify you for discounted premium rates on garaged vehicles.
• Student Driver Training – Require your teen driver to sucessfully take a drivers education course if offered at their school.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy life insurance from them.
• Sign Online – Some larger companies will give you a small discount simply for signing on their website.
• Driver Safety – Passing a safe driver class may get you a small discount if your company offers it.

One thing to note about discounts is that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. Even though it appears you can get free auto insurance, that’s just not realistic.

A few of the larger companies and a summarized list of policyholder discounts are included below.

• 21st Century has savings for 55 and older, student driver, early bird, automatic seat belts, homeowners, teen driver, and anti-lock brakes.
• Progressive may offer discounts for homeowner, continuous coverage, online signing, multi-vehicle, online quote discount, good student, and multi-policy.
• State Farm may have discounts that include multiple policy, good driver, safe vehicle, Steer Clear safe driver discount, good student, multiple autos, and defensive driving training.
• Nationwide includes discounts for easy pay, business or organization, defensive driving, family plan, Farm Bureau membership, accident-free, and multi-policy.
• Esurance discounts include homeowner, DriveSense, good driver, Pac-12 alumni, multi-car, and defensive driver.
• The Hartford offers discounts including bundle, driver training, vehicle fuel type, good student, anti-theft, and defensive driver.

It’s a good idea to ask each company which credits you are entitled to. Some of the discounts discussed earlier might not be available to policyholders in your area. To locate insurers that have a full spectrum of discounts, click here to view.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

• When should I remove comp and collision on my 1996 Hyundai Accent?
• Is my teen driver covered when they drive my company car?
• Will filing a claim cost me more?
• Am I getting all the discounts available?
• Are rock chip repairs covered?
• What is medical payments coverage?
• How much can I save by bundling my policies?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Lower your insurance rates

Many different elements are taken into consideration when pricing auto insurance. A few of the factors are predictable such as your driving history, but others are more transparent such as your credit history or your commute time.

The following are most of the major factors used by companies to determine premiums.

• Responsible drivers pay the best prices – Your driving citation history impacts premiums far more than you think. Good drivers have lower premiums than people who have multiple driving citations. Just one moving violation can bump up the cost by twenty percent. Drivers who have received severe citations like hit and run, DWI or reckless driving convictions may find that they have to to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent their license from being revoked.
• Is your vehicle theft-ready? – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft and help bring rates down.
• Age of drivers impacts prices – Older drivers are viewed as being more responsible, are lower risk to insure and receive fewer citations.Teen drivers have been known to be inattentive in a vehicle therefore insurance rates are much higher.
• Single drivers take more risk – Getting married actually saves money on your insurance policy. Having a significant other is viewed as being less irresponsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
• Discounts for multiple policies – The majority of companies allow a discount to customers who have multiple policies with them such as combining an auto and homeowners policy. The discount can be five, ten or even twenty percent. Even though this discount sounds good, consumers should still get quotes from other companies to ensure the best deal. It’s possible to still find better rates by splitting coverages up.

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Do you really save 40% when you switch?

Well-known auto insurance companies like Progressive, Allstate and Geico endlessly run ads on television and other media. They all try to convey promises about how much you will save just by moving your coverage. How do they all offer you a better deal? It’s all in how they say it.

Different companies have strict underwriting profiles for the type of driver they prefer to insure. An example of this type of insured might be a female over age 40, has never had a claim, and drives less than 10,000 miles a year. A customer who matches that profile will probably get the lowest car insurance rates and will also cut their rates substantially.

Insureds who don’t meet these criteria must pay a more expensive rate and this results in the customer buying from a different company. If you listen closely, the ads state “customers that switch” not “everyone who quotes” save that much money. That is how companies can make claims like that. Each company has different criteria, so drivers should do a price quote comparison at every renewal. You cannot predict which insurance companies will have the best premium rates for your profile.

Auto insurance coverages 101

Knowing the specifics of a auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by auto insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills such as nursing services, dental work, ambulance fees and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

This coverage can cover damage that occurs to other people or property. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as emergency aid, court costs, legal defense fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your 1996 Hyundai Accent.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision protection

This covers damage to your Accent resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, damage from a tornado or hurricane, damage from flooding, hitting a deer and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Pennies from heaven

When shopping online for insurance coverage, you should never reduce needed coverages to save money. In too many instances, someone dropped liability coverage limits only to regret that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible for the lowest cost, but do not skimp to save money.

The cheapest 1996 Hyundai Accent insurance can be sourced on the web and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance coverage companies do not offer rates over the internet and these small, regional companies sell through independent insurance agencies.

For more information, link through to the articles below:

• Crash Avoidance Technologies FAQ (iihs.org)
• Auto Insurance 101 (About.com)
• Things to Know Before you Cancel Insurance (Allstate)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)

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