2016 Hyundai Accent Car Insurance Cost – 5 Discounts for Cheapest Prices

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance coverage policy? It’s a common feeling and you’re not the only one. There are many car insurance companies to pick from, and though it is a good thing to have multiple companies, it can be more difficult to compare rates.

Consumers should take time to compare premium rates occasionally because insurance prices tend to go up over time. Despite the fact that you may have had the best price for Accent insurance a couple years back you can probably find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to find out the quickest way to find the best coverage while lowering your premiums.

Shopping for more affordable insurance coverage is quite easy. If you are insured now or are shopping for new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Vehicle owners just need to know the tricks to compare price quotes online.

How to buy auto insurance online

Finding more affordable auto insurance prices is a fairly straight forward process. All you need to do is spend a few minutes to get quotes to find the company with the cheapest insurance coverage quotes. This can be done by following the guidelines below.

1. The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This method prevents you from having to do multiple quote forms to each individual auto insurance company. A single form gets insurance cost estimates direct from many companies.
2. A slightly less efficient method to analyze rates requires a trip to the website for every company you want to comare and repeat the quote process again and again. For examples sake, let’s assume you want to compare prices for Liberty Mutual, 21st Century and Progressive. You would be required to navigate to each company’s site and repeatedly enter your information, which is not fast way to get rate quotes. For a list of companies in your area, click here.
3. The last way to find cheaper rates is making phone calls or going to all the different insurance agencies. Quoting online has made agencies unnecessary unless your situation requires the professional advice of an agent trained in personal lines coverage. If you prefer, some companies allow you to comparison shop online but purchase the actual policy in an agency.

You can use whichever method you prefer to find lower rates, just be sure to compare equivalent coverage data for every quote you compare. If you compare different data it’s not possible to determine which company has the best rates.

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Insurance myths debunked

Consumers can’t avoid all the ads for the lowest price insurance from the likes of State Farm, Allstate and Geico. They all seem to advertise the message that you’ll save big if you move your policy.

It sounds good, but how can they all make almost identical claims? This is the way they can do it.

Insurance companies have specific guidelines for the type of customer that will not have excessive claims. For example, a profitable insured may need to be between the ages of 30 and 50, owns a home, and has a high credit rating. A customer who matches that profile will get very good prices and as a result will probably pay quite a bit less when switching companies.

People who do not meet these standards may be required to pay higher premium rates with the end result being the customer buying from a different company. The ads say “customers that switch” but not “all drivers who get quotes” save that much money. That’s why insurance companies can confidently make those claims.

This really emphasizes why you really need to do a price quote comparison at every renewal. It is impossible to predict which insurance companies will have the lowest prices for your situation.

Do you qualify for discount insurance?

Companies that sell car insurance do not list the complete list of policy discounts very clearly, so the next list breaks down both well-publicized and also the lesser-known credits available to lower your premiums when you buy insurance coverage online.

• Early Renewal Discounts – A few insurance companies give discounts for switching policies prior to the expiration date on your current policy. It’s a savings of about 10%.
• Professional Organizations – Joining a professional or civic organization could trigger savings when getting a insurance coverage quote.
• Active Service Discounts – Having a family member in the military could mean lower prices.
• E-sign – A few insurance companies may give you up to $50 just for signing your application on your computer.
• Senior Discount – Mature drivers can possibly qualify for a slight reduction on a insurance coverage quote for Accent insurance.

Policy discounts save money, but most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as comp or med pay. If you do the math and it seems like having all the discounts means you get insurance for free, that’s just not realistic.

A few popular companies and a summarized list of policyholder discounts are shown below.

• Geico may offer discounts for seat belt use, anti-theft, federal employee, air bags, multi-vehicle, and anti-lock brakes.
• SAFECO may include discounts for anti-theft, bundle discounts, anti-lock brakes, teen safety rewards, drive less, and homeowner.
• State Farm offers premium reductions for passive restraint, defensive driving training, Steer Clear safe driver discount, student away at school, and good student.
• MetLife policyholders can earn discounts including claim-free, good driver, defensive driver, accident-free, and multi-policy.
• 21st Century has discounts for teen driver, defensive driver, automatic seat belts, good student, 55 and older, and driver training.
• Progressive offers discounts including homeowner, good student, continuous coverage, online signing, and online quote discount.

Before purchasing a policy, check with each insurance company how many discounts you can get. Some of the earlier mentioned discounts may not be available in every state.

What insurance coverages do I need?

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that could help you determine if you might need an agent’s assistance.

• How high should my medical payments coverage be?
• I have health insurance so do I need medical payments coverage?
• Does coverage extend to Mexico or Canada?
• When should I buy a commercial auto policy?
• Why am I required to get a high-risk car insurance policy?
• Are my friends covered when driving my 2016 Hyundai Accent?
• Is a new car covered when I drive it off the dealer lot?
• Should I rate my 2016 Hyundai Accent as pleasure use or commute?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

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Coverages available on your policy

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from car insurance companies.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for pain medications, prosthetic devices, nursing services, chiropractic care and surgery. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages – This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as court costs, attorney fees, pain and suffering, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, rock chips in glass, fire damage, damage from getting keyed and theft. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision coverages – This will pay to fix damage to your Accent from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like damaging your car on a curb, colliding with another moving vehicle, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

More choices the merrier

Throughout this article, we presented a lot of ways to get a better price on 2016 Hyundai Accent insurance. The most important thing 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 smallest insurance companies. They may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

Lower-priced car insurance is possible both online in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture. Some car insurance companies may not provide rate quotes online and these smaller providers only sell through independent insurance agents.

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an insured dropped physical damage coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

Additional detailed information is located at these sites:

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Understanding Limits and Deductibles (Allstate)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)

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