Cheap 1997 Hyundai Accent Car Insurance Cost

If you’ve never shopped for insurance coverage quotes online, there’s a good chance you are baffled by the sheer number of companies that all promise the best rates.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. The purpose of this article is to help you learn the best way to quote coverages and some tricks to saving. But drivers do need to understand the way companies market insurance on the web and take advantage of how the system works.

How much does insurance cost?

There are a lot of ways to compare insurance prices and some are less time-consuming than others. You could spend your day driving to insurance companies in your area, or you could save time and use the web to get prices fast.

Many companies belong to an insurance system that enables customers to send in one quote, and each participating company can provide price quotes based on that information. This prevents consumers from doing quote requests to every company.

To submit your quote information now, click here to open in new window.

The only downside to using this type of form is buyers cannot specifically choose the companies to receive prices from. If you wish to select specific insurance companies for rate comparison, we have a listing of insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, try to use nearly identical coverages and limits on every price quote you get. If you compare unequal deductibles or liability limits it will be nearly impossible to determine which rate is truly the best. Even a minor difference in insurance coverages or limits can result in a big premium difference. And when price shopping your coverage, quoting more helps increase your odds of locating the best rates.

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Misconceptions in auto insurance advertisements

Well-known auto insurance companies like State Farm, Allstate and Geico seem to constantly run ads on television and other media. All the companies convey the message of big savings just by moving to their company. That’s great but how can every company charge lower premium rates? This is the trick they use.

All companies have specific characteristics for the driver that will generate a profit. A good example of a profitable insured should be a married female, is a homeowner, and drives a car with an anti-theft system. Anyone that meets those criteria receive the lowest rate quotes and therefore will save some money.

Insureds who don’t meet the “perfect” profile will see higher premium rates with the end result being the driver buying from a lower-cost company. The wording the ads use say “drivers who switch” not “everyone who quotes” can get the lowest rates when switching. That’s why insurance companies can confidently make those statements.

This really emphasizes why you should compare as many free insurance coverage quotes as you can. It’s just too difficult to predict which company will fit your personal profile best.

How your Accent insurance rates are determined

Consumers need to have an understanding of the factors that go into determining the rates you pay for auto insurance. When consumers understand what determines base rates, this allows you to make good choices that may result in lower auto insurance prices. Lots of factors are part of the equation when pricing auto insurance. Some factors are common sense like a motor vehicle report, but some are not as apparent like your continuous coverage or how safe your car is.

• Your car’s features help determine auto insurance rates – Choosing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms all aid in stopping vehicle theft.
• Prevent auto insurance lapses – Going without insurance can be a sure-fire way to increase your auto insurance rates. In addition to paying higher premiums, failure to provide proof of insurance could result in a revoked license or a big fine. You may then have to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Lower miles driven equals lower premium – The higher the miles on your Hyundai annually the more it will cost to insure it. Most companies calculate rates based on how the vehicle is used. Vehicles left parked in the garage can be on a lower rate level than vehicles that are driven to work every day. It’s a smart idea to ensure your auto insurance coverage properly reflects the right rating data, because it can save money. Improper usage on your Accent may be wasting your money.
• Premiums are high for teenagers – More experienced drivers are more cautious drivers, statistically cause fewer accidents and tend to be get fewer driving tickets.Drivers with little experience are statistically proven to be easily distracted behind the wheel and because of this, their auto insurance rates are much higher.

You may qualify for discounts

Buying insurance coverage is not cheap, but you can get discounts that could drop your premiums quite a bit. Some trigger automatically when you get a quote, but some need to be asked about in order for you to get them. If you do not check that you are getting every discount you deserve, you may be paying too high a price.

• Distant Student – Kids who live away from home at college and won’t have access to an insured vehicle could get you a discount.
• Driver Training Discounts – Passing a course in defensive driving could earn you a small percentage discount and easily recoup the cost of the course.
• Telematics Data – Insureds who allow data collection to track when and where they use their vehicle by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they are good drivers.
• Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it will make them better drivers and lower rates.
• Good Drivers – Insureds without accidents could pay up to 40% less on Accent insurance compared to accident prone drivers.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.

Car insurance companies that may offer these discounts possibly include:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Before buying, ask every company which discounts they offer. Discounts may not be available in your state. To choose companies with the best insurance coverage discounts, click here to view.

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There’s no such thing as the perfect car insurance policy

When it comes to choosing coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if your insurance needs could use an agent’s help.

• What if I don’t agree with a claim settlement offer?
• Does insurance cover tools stolen from my truck?
• I have a DUI can I still get coverage?
• Am I covered when using my vehicle for business?
• Should I put collision coverage on all my vehicles?
• Do I need replacement cost coverage?
• What are the financial responsibility laws in my state?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Parts of your insurance policy

Understanding the coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like loss of income, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive protection

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, damage from flooding and damage from a tornado or hurricane. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage covers damage to your Accent caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, sideswiping another vehicle, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1997 Hyundai Accent.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these limits are similar to your liability insurance amounts.

Medical expense coverage

Med pay and PIP coverage kick in for bills such as ambulance fees, surgery and hospital visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Smart shoppers get results

We’ve covered some good ideas how you can save on 1997 Hyundai Accent insurance. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even find the lowest prices come from a smaller regional carrier.

Drivers leave their current company for many reasons like delays in paying claims, an unsatisfactory settlement offer, high rates after DUI convictions and denial of a claim. Whatever your reason, switching companies is not as hard as you think.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage for the lowest price and still be able to protect your assets.

More detailed insurance coverage information is located in the articles below:

• Rollover Crash FAQ (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• Teen Driver Statistics (Insurance Information Insitute)

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