2014 Hyundai Accent Insurance Rates

Are you sick and tired of scraping the payment together each month for insurance? You’re in the same situation as millions of other drivers.

Insurance companies such as Geico, 21st Century and Progressive constantly bombard you with catchy ads and consumers find it hard to see through the deception and effectively compare rates to find the best deal.

Get Hyundai Accent insurance for less

The best way to find cheaper insurance is to take a look at some of the elements that are used to determine insurance rates. If you know what controls the rates you pay, this allows you to make good choices that could result in better insurance rates.

The list below includes just a few of the factors used by companies to determine your premiums.

• Liability is cheap – Liability coverage is the coverage that protects you if a jury decides you are liable for an accident. It provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to other policy coverages, so drivers should carry high limits.
• Rates increase with driving citations – How you drive has a huge affect on how much you pay. Good drivers receive lower rates compared to bad drivers. Getting just one driving citation could increase your next policy renewal to the point where it’s not affordable. Drivers who get severe citations like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with the DMV in their state in order to continue driving.
• Safer cars means lower insurance rates – Vehicles with high crash test scores can get you lower premiums. These vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
• Rental and towing coverage may not be needed – There are a ton of extra coverages that you can buy when buying insurance. Coverage for things like rental car coverage, high-cost glass coverage, and motor club memberships may not be needed and are just wasting money. The coverages may be enticing when buying your policy, but if you’ve never needed them in the past consider taking them off your policy.
• Alarm systems systems cut premiums – Choosing to buy a car that has a built-in theft deterrent system can help lower your premiums. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent your car from being stolen.
• Urban areas may pay more – Living in a small town is a good thing when it comes to insurance. Fewer drivers and short commutes means less chance of accidents as well as less vandalism and auto theft. Urban drivers have much more traffic and a longer drive to work. The longer drive time means higher likelihood of an accident.
• Getting married pays dividends – Your spouse may cut your premiums on your policy. It is viewed as being more mature and statistics show married drivers tend to file fewer claims.

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Insurance coverage quotes comparison

There are several ways to compare rate quotes from different companies. The fastest way to find the lowest 2014 Hyundai Accent rates is to jump online and get quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

1. The most efficient way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for separate quote forms for every prospective company. A single form will get you price quotes from multiple companies.
2. A harder way to obtain and compare quotes online is to take the time to go to the website for every company you want to comare and go through the quote process again. For example, let’s say you want to compare rates from Farmers, Allstate and Progressive. To get rate quotes you would need to navigate to each company’s site and repeatedly enter your information, which can be really labor intensive. To view a list of companies in your area, click here.
3. The least recommended method to find and compare rates is to waste gas driving to insurance agencies in your area. Comparing online rate quotes has made agencies unnecessary unless you want the advice and guidance that only an agent can give. However, consumers can get the lowest quotes online but have your policy serviced through an agent.

It’s up to you which method you use, but make absolute certain that you use the exact same quote information on every quote you get. If you compare different deductibles it will be next to impossible to make a fair rate comparison. Quoting even small variations in limits may cause a big price difference. It’s important to know that comparing more rates from different companies helps locate the best price. Not every company does quotes online, so you should also compare prices on coverage from those companies, too.

Auto insurance myths debunked

Popular auto insurance providers such as Progressive, Geico, Allstate and State Farm consistently run television, radio, and online ads. They all state the claim that you’ll save big just by moving your coverage. Is it even possible that every company can charge you a lower premium? Here is how they do it.

Different companies quote their best rates for the type of driver that earns them a profit. A good example of this type of risk profile might be described as over the age of 50, has few claims, and drives less than 5,000 miles a year. A customer getting a price quote that hits that “sweet spot” will get a cheap rate quote and have a good chance to pay quite a bit less when switching companies.

People who are not a match for the “perfect” profile will probably be forced to pay a higher rate which results in business not being written. If you listen to the ad wording, they say “drivers that switch” but not “everyone who gets a quote” save the amount stated. That’s the way insurance companies can make those statements.

This emphasizes why it’s extremely important to compare free insurance quotes often. Because you cannot predict which insurance companies will be your best fit.

Don’t overlook these auto insurance discounts

The price of auto insurance can be rather high, but you can get discounts that many consumers don’t even know exist. Certain discounts will be applied at the time of quoting, but occassionally some discounts must be specially asked for prior to receiving the credit. If you check and find you aren’t receiving every discount you qualify for, you are just wasting money.

• Telematics Data – Drivers who elect to allow their insurance company to scrutinize driving manner by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates as long as they are good drivers.
• Save over 55 – Mature drivers can possibly qualify for a discount up to 10% for Accent coverage.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
• Discount for Multiple Policies – When you have multiple policies and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
• Early Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.

Discounts reduce rates, but you should keep in mind that some credits don’t apply the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.

A list of companies and a partial list of their discounts include:

• Progressive may offer discounts for online signing, homeowner, online quote discount, multi-vehicle, continuous coverage, multi-policy, and good student.
• MetLife discounts include accident-free, multi-policy, defensive driver, good driver, and claim-free.
• Mercury Insurance may include discounts for low natural disaster claims, ease of repair, multi-car, location of vehicle, annual mileage, and professional/association.
• Nationwide includes discounts for accident-free, multi-policy, Farm Bureau membership, defensive driving, and family plan.
• Geico may have discounts that include driver training, military active duty, defensive driver, federal employee, and multi-vehicle.
• AAA offers discounts including anti-theft, education and occupation, good driver, multi-car, and good student.

When comparing rates, check with all the companies to give you their best rates. Some credits might not be available to policyholders everywhere.

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When to get professional advice

When it comes to choosing the best auto insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For instance, these questions could help you determine if you might need professional guidance.

• How high should my medical payments coverage be?
• Does insurance cover tools stolen from my truck?
• Is my custom paint covered by insurance?
• Do I need special endorsements for business use of my vehicle?
• What can I do if my company denied a claim?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I covered when driving someone else’s vehicle?
• I don’t drive much so do I pay less?
• What if I owe more than I can insure my car for?
• How much can I save by bundling my policies?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Specifics of your car insurance policy

Understanding the coverages of car insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverages available from car insurance companies.

Comprehensive coverage – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, a broken windshield, a tree branch falling on your vehicle, vandalism and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability – This coverage will cover damage that occurs to a person or their property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like medical services, repair costs for stationary objects, pain and suffering, structural damage and loss of income. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Collision coverage – Collision coverage pays for damage to your Accent resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, driving through your garage door, sideswiping another vehicle, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as nursing services, doctor visits, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your 2014 Hyundai Accent.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Have money to burn

In this article, we presented a lot of techniques to get a better price on 2014 Hyundai Accent insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your auto insurance rates. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. Regional companies may only write in your state and offer lower auto insurance rates compared to the large companies like State Farm, Geico and Nationwide.

More affordable car insurance is attainable from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies may not offer price quotes online and these smaller companies sell through local independent agents.

When searching for inexpensive insurance quotes, do not buy less coverage just to save a little money. In too many instances, an insured cut collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

To read more, feel free to browse the following helpful articles:

• Insurance Losses by Make and Model (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Car Insurance FAQ (Trusted Choice)
• Property Damage Coverage (Liberty Mutual)

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