Cheaper 1998 Hyundai Accent Car Insurance Rates

Looking for the cheapest insurance rates for your Hyundai Accent? Have you finally had enough of scraping nickels together to pay your insurance bill each month? You are no different than the majority of other vehicle owners. You have multiple insurers to insure vehicles with, and even though it’s nice to have multiple companies, so many choices can make it hard to adequately compare rates.

Discounts for affordable auto insurance rates

Auto insurance is easily one of your largest bills, but there are discounts available that you may not know about. Certain discounts will be triggered automatically at the time of quoting, but a few must be manually applied prior to getting the savings. If you do not check that you are getting every discount you deserve, you could be getting lower rates.

• Driver Training Discounts – Taking part in a defensive driver class could save 5% or more if you qualify.
• Discount for Swiching Early – Some auto insurance companies give discounts for buying a policy prior to the expiration date on your current policy. You may see this discount when you get insurance coverage quotes online.
• Low Mileage – Low annual miles may enable drivers to earn lower premium rates due to less chance of an accident.
• Discount for New Cars – Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.
• Discount for Life Insurance – Insurance companies who offer life insurance give a lower premium rate if you buy a life policy as well.
• Anti-lock Brakes – Cars with ABS and/or traction control prevent accidents and the ABS can save up to 10%.
• Discounts for Good Drivers – Safe drivers could pay up to 40% less on Accent coverage compared to rates paid by drivers with frequent claims.
• More Vehicles More Savings – Buying a policy with several vehicles with one company may reduce the rate for each vehicle.

Discounts lower rates, but many deductions do not apply the the whole policy. Most only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like you can get free auto insurance, it just doesn’t work that way.

Insurance companies that may offer these discounts include:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

Check with each company or agent which discounts you qualify for. Some of the discounts discussed earlier may not be offered everywhere.

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How to compare free insurance price quotes

Effectively comparing insurance prices can be a lot of work if you aren’t aware of the best way to get rate quotes. You could spend the better part of a day talking to insurance agencies in your area, or you can stay home and use online quotes to quickly compare rates.

Most of the larger companies take part in a program that enables customers to enter their coverage request one time, and each participating company can give them a price based on that data. This prevents consumers from doing quote forms to every company.

To find out what other companies charge click here to open in new window.

The one disadvantage to comparing rates this way is you cannot specify which companies to receive prices from. So if you prefer to choose individual companies to compare prices, we put together a list of companies who write insurance in your area. Click here to view list.

Whichever way you choose to compare rates, make sure you compare equivalent coverage limits and deductibles for every company. If you have different limits and deductibles on each one then you won’t be able to make a fair comparison for your Hyundai Accent.

Educated choices result in lower insurance rates

Many different elements are part of the calculation when you get a price on insurance. Most are fairly basic such as traffic violations, but others are less obvious such as your marital status or how financially stable you are.Part of the car insurance buying process is learning some of the elements that come into play when calculating the level of your policy premiums. When you understand what influences your rates, this helps enable you to make changes that will entitle you to cheaper rates.

The following are some of the things companies use to determine prices.

• Your car’s features help determine premiums – Selecting a car model with a theft deterrent system can help bring down rates. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft.
• Driving citations cost more than a fine – Drivers who don’t get tickets get better rates as compared to careless drivers. Getting just one speeding ticket or other violation can increase rates by as much as twenty percent. People who have careless violations such as DUI, reckless driving or excessive speeding may be required to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent a license revocation.
• Lower rates for safer cars – Vehicles with good safety scores tend to have better insurance rates. Vehicles engineered for safety reduce injuries and fewer injuries means lower claim amounts which can result in lower premiums. If your Hyundai is rated at least four stars on Safercar.gov you may qualify for a discount.
• Limits of liability protection – Liability insurance kicks in if ever you are determined to be liable for damages from an accident. This coverage provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
• Costs and your address – Being located in small towns and rural areas has definite advantages when it comes to car insurance. People who live in big cities have to deal with more auto accidents and longer commutes to work. Fewer drivers translates into fewer accidents in addition to lower liability claims
• Save money with good credit – An insured’s credit rating factor in determining your rates. Therefore, if your credit score is not that good, you could pay less to insure your 1998 Hyundai Accent by taking the time to improve your credit score. Consumers who have high credit scores tend to be more responsible and file fewer claims as compared to drivers with poor credit scores.

Tailor your insurance coverage to you

When choosing adequate coverage, there really is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation would benefit from professional advice.

• What if I total my 1998 Hyundai Accent and owe more than it’s worth?
• Should I buy additional glass protection?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I really need UM/UIM coverage?
• Is there coverage for injuries to my pets?
• What exactly is covered by my policy?
• Does my 1998 Hyundai Accent qualify for pleasure use?
• When does my teenage driver need to be added to my policy?
• Do I need roadside assistance coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

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Misconceptions in car insurance advertisements

Consumers can’t get away from all the ads that claim the lowest premium rates from companies such as Progressive, Allstate and Geico. All the companies advertise claims about how much you will save just by switching to them.

How is it plausible that every one can charge less that you’re paying now? Just pay attention to how they say it.

Car insurance companies have specific criteria for the type of driver that earns them the most money. A good example of this type of driver may be a married male, has no driving citations, and chooses high deductibles. A driver who fits that profile will qualify for the lowest premium rates and as a result will probably save a lot if they switch.

Potential customers who fall outside those standards must pay higher premium rates and this can result in the customer not buying. The ad wording is “people who switch” not “everyone that quotes” can save as much as they claim. That’s the way companies can truthfully make it sound like they have such great auto insurance rates.

Because of this risk profiling, you absolutely need to do a price quote comparison at every renewal. It is just not possible to predict which car insurance company will have the best rates at this point in time.

Specific coverage details

Knowing the specifics of a car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on the average car insurance policy.

Collision coverages – This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Hyundai Accent.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, hitting a bird, theft, falling objects and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage – Liability coverage can cover injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, attorney fees, repair bills for other people’s vehicles and medical services. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses like prosthetic devices, funeral costs, chiropractic care, EMT expenses and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Quote often and quote early

In this article, we presented quite a bit of information on how to compare 1998 Hyundai Accent insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may be surprised to find that the best price on insurance coverage is with some of the smallest insurance companies. They may only write in your state and offer lower rates than the large multi-state companies such as Progressive and Geico.

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. There are too many instances where drivers have reduced full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage for the lowest price, but don’t skip important coverages to save money.

More tips and info about insurance coverage is available in these articles:

• Distracted Driving (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Child Safety Seats (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Teen Driver Licensing Information (iihs.org)

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