2003 Hyundai Accent Car Insurance Rates – 10 Savings Tips

Shoppers have many options when shopping for affordable Hyundai Accent insurance. They can either waste time driving around to get rate comparisons or utilize the internet to make rate comparisons. There is a better way to compare insurance rates and we’ll show you the absolute fastest way to price shop coverage for a new or used Hyundai and obtain the best price possible from local insurance agents and online providers.

You should take the time to take a look at other company’s rates yearly because rates are variable and change quite frequently. Despite the fact that you may have had the best premium rates on Accent insurance six months ago the chances are good that you can find a lower price today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the easiest way to find better coverage at a better price.

If you have insurance now or need new coverage, you can learn to find the best rates and still get good coverage. This information will tell you how to effectively get price quotes and some tips to save money. Drivers just need to know how to shop their coverage around online.

How to get affordable auto insurance

The majority of larger companies such as Progressive, Geico, Allstate and State Farm make it easy to get coverage prices online. Comparing rates online is very simple because it’s just a matter of typing in your required coverages as requested by the quote form. After you complete the form, the quote system automatically retrieves your driving record and credit report and generates a price.

This helps simplify price comparisons, but having to visit each company’s website and repetitively type in the same information can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to get the lowest auto insurance rates.

The quickest way to compare auto insurance pricing uses one simple form that gets price quotes from several different companies. It’s a real time-saver, eliminates repetitive work, and makes online quotes much more enjoyable. As soon as you send your information, your coverage is rated with multiple companies and you can pick your choice of the quotes returned. If a lower price is quoted, you can click and sign and buy the new coverage. The whole process just takes a couple of minutes and you will know how your current rates stack up.

To find out how much you can save on auto insurance, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you input the insurance coverages exactly as shown on your declarations page. Doing this guarantees you will receive rate comparison quotes based on similar coverages.

These ten discounts can reduce insurance coverage rates

Some companies don’t always publicize every disount available in a way that’s easy to find, so the list below gives a summary of some of the best known and also the lesser-known credits that you can use to lower your rates.

• Passenger Safety Discount – Vehicles equipped with air bags can receive discounts as much as 30%.
• One Accident Forgiven – This isn’t a discount exactly, but certain companies will forgive one accident without getting socked with a rate hike so long as you are claim-free for a particular time prior to the accident.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school or through a local driver safety program.
• Drive Safe and Save – Insureds without accidents may receive a discount up to 45% on Accent insurance compared to accident prone drivers.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
• Safety Course Discount – Taking time to complete a course teaching defensive driving skills could cut 5% off your bill and easily pay for the cost of the class.
• No Accidents – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote when compared to drivers with a long claim history.
• Renewal Discounts – Some larger companies give discounts for buying a policy prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
• Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Accent insurance with a few insurance coverage companies.
• Early Payment Discounts – By making one initial payment instead of paying each month you can avoid the installment charge.

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. Even though it appears all those discounts means the company will pay you, that’s just not realistic.

A list of companies and some of the premium reductions they offer can be read below.

• 21st Century has savings for good student, student driver, air bags, early bird, and homeowners.
• Progressive may offer discounts for online signing, homeowner, online quote discount, good student, and continuous coverage.
• State Farm discounts include multiple policy, multiple autos, driver’s education, good driver, and passive restraint.
• Nationwide policyholders can earn discounts including defensive driving, business or organization, multi-policy, easy pay, and accident-free.
• Esurance may have discounts that include good driver, claim free, anti-theft, multi-car, good student, and Pac-12 alumni.
• The Hartford may include discounts for defensive driver, anti-theft, driver training, good student, bundle, and vehicle fuel type.

Double check with every prospective company which discounts you qualify for. Depending on the company, some discounts might not be available to policyholders in your area. If you would like to choose from a list of companies that provide some of the discounts listed above, follow this link.

When do I need an agent’s advice?

When it comes to buying coverage, there isn’t really a cookie cutter policy. Each situation is unique.

For instance, these questions could help you determine whether you may require specific advice.

• What is the rate difference between pleasure use and commuting?
• Does my insurance cover my expensive audio equipment?
• Do I need PIP (personal injury protection) coverage in my state?
• Am I insured when driving a different vehicle?
• Can I afford to buy a different vehicle if my 2003 Hyundai Accent is totaled?
• Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Car insurance coverages for a 2003 Hyundai Accent

Learning about specific coverages of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability

This can cover damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like medical services, bail bonds and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Hyundai Accent.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, scraping a guard rail, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses for things like ambulance fees, rehabilitation expenses, hospital visits, funeral costs and nursing services. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, vandalism, hitting a deer and falling objects. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.