2018 Hyundai Accent Car Insurance Cost

Searching for lower car insurance rates for your Hyundai Accent? Are you regretting the purchase of an expensive car insurance policy? You’re preaching to the choir because you’re not alone.

Numerous insurance companies battle to insure your vehicles, and it can be difficult to compare rates to get the best price available.

You should take the time to quote other rates before your policy renews because insurance rates are variable and change quite frequently. If you had the best rate on Accent coverage on your last policy you can probably find a lower rate today. There is a lot of bad information regarding car insurance on the web, but in a few minutes you can learn some proven techniques to lower your car insurance bill.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Finding the best rates is quite easy. But vehicle owners must understand how the larger insurance companies price online insurance and use this information to your advantage.

Compare quotes for insurance

There are a lot of ways to compare insurance prices and some are easier and takes less work. You could spend your day talking to agents in your area, or you can utilize the web to maximize your effort.

Many insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and each participating company returns a rated price determined by their information. This system prevents you from having to do quote forms for each company. To compare rates now click to open in new window.

One minor caviat to doing it this way is you can’t choose which carriers you will receive quotes from. So if you prefer to pick from a list of companies to request quotes from, we have a listing of companies who write insurance in your area. Click to view list.

Which method you use is up to you, but do your best to use nearly identical coverages and limits on every quote. If you enter different values for each quote you will not be able to make a fair comparison for your Hyundai Accent. Quoting even small variations in insurance coverages or limits can mean a large discrepancy in price. And when comparing insurance rates, know that comparing a large number of companies provides better odds of finding better pricing.

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Do you really save 40% when you switch?

Insurance coverage companies such as State Farm, Geico and Progressive regularly use television and radio advertisements. They all seem to make the promise about how much you will save if you switch to them. How does each company say the same thing?

All companies require specific criteria for the type of customer that will add to their bottom line. For example, this type of risk profile could possibly be between 30 and 50, has never had a claim, and the vehicle is rated for pleasure use. A customer who fits those characteristics may get the lowest car insurance rates and is almost guaranteed to save money with a new company.

Potential insureds who may not quite match these criteria will probably be forced to pay more expensive rates which translates to the customer buying from a different company. The wording the ads use say “people who switch” but not “everyone who gets a quote” save that much when switching. This is how insurance companies can confidently make claims that they all have the best premium rates.

That is why drivers should get a wide range of price quotes. It’s just not possible to know the company that will be your best fit.

Learn how to buy insurance coverage at a discount

Many things are part of the calculation when quoting car insurance. Some are pretty understandable like a motor vehicle report, although some other factors are less apparent such as your marital status or your commute time.

The itemized list below are some of the things used by companies to determine your rates.

• Having a spouse can save you money – Having a significant other may cut your premiums compared to being single. It demonstrates that you tend to be more responsible and insurance companies reward insureds because married drivers get in fewer accidents.
• Prices can be impacted by your job – Do you work in a high-stress field? Careers such as real estate brokerspolice officers and emergency personnel are shown to have higher rates than the rest of us in part from high stress levels and lengthy work days. Other jobs such as professors, athletes and homemakers pay the least on Accent coverage.
• Good credit means lower premiums – Having a good credit rating is a big factor in determining your rates. So if your credit can be improved, you may save money insuring your 2018 Hyundai Accent by repairing your credit. Drivers who have very good credit scores tend to be less risk to insure than drivers who have worse credit.
• Liability coverage limits should be high – The liability coverage on your policy is the protection if ever you are determined to be liable for causing personal injury or damage in an accident. It will provide for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
• Alarm systems save money – Choosing to buy a car with a theft deterrent system can save you some money. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all help prevent car theft and help bring rates down.
• Five star safety rating saves money – Vehicles with good safety scores are cheaper to insure. Safer cars reduce injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Hyundai Accent is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
• Do you qualify for a multi-policy discount? – Some companies give lower prices to customers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even if you’re getting this discount it’s always a smart idea to compare other insurance prices to help ensure you have the lowest rates.
• Be proud to be claim-free – Companies award lower rates to policyholders that do not abuse their auto insurance. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for larger claims.

Don’t overlook these insurance coverage discounts

Some insurance providers don’t always list every possible discount very well, so here is a list both the well known and the harder-to-find discounts that may be available. If you aren’t receiving every discount you deserve, you could be getting lower rates.

• Lower Rates for Military – Being deployed in the military could mean lower prices.
• New Car Discount – Insuring a new car can cost up to 25% less compared to insuring an older model.
• Driver’s Education for Students – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
• Discount for Home Ownership – Just being a homeowner can earn you a little savings because it is proof of financial responsibility.
• Good Drivers – Accident-free drivers could pay up to 40% less on Accent coverage than their less cautious counterparts.
• Paperwork-free – Some of the larger companies will give you a small discount for completing your application over the internet.
• Senior Discount – Older drivers may qualify for a discount up to 10% on Accent coverage.
• Low Mileage Discounts – Keeping the miles down on your Hyundai could qualify for better insurance coveragerates on cars that stay parked.
• First Accident Forgiveness – Not necessarily a discount, but companies like Progressive, Allstate, and Liberty Mutual will forgive one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
• Distant Student Discount – Older children living away from home attending college and leave their car at home could qualify for this discount.

As a sidenote, some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Some of the insurance companies that have some of the above discounts include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

When getting free insurance coverage quotes, it’s a good idea to each company how many discounts you can get. All car insurance discounts might not apply everywhere.

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When to get professional advice

When buying coverage, there really is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions might point out whether your personal situation could use an agent’s help.

• Should I get collision insurance on every vehicle?
• Who is covered by my policy?
• Is a blown tire covered by insurance?
• How can I get my company to pay me more for my totalled car?
• Can I afford low physical damage deductibles?
• When should my teen driver be added to my policy?
• What are the financial responsibility laws in my state?
• Can I still get insurance after a DUI?
• How much liability insurance is required?
• Is my teen driver covered when they drive my company car?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage options for a Hyundai Accent

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types found on the average insurance policy.

Liability coverage

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like medical services, pain and suffering and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from flooding and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as funeral costs, hospital visits and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Compare but don’t skimp

When getting insurance coverage quotes online, don’t be tempted to reduce coverage to reduce premium. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret at claim time that it was a big mistake. The goal is to get the best coverage possible for the lowest cost and still be able to protect your assets.

In this article, we covered some good ideas how to shop for 2018 Hyundai Accent insurance online. It’s most important to understand that the more quotes you get, the higher your chance of finding low cost insurance coverage. You may even find the best premium rates are with the smaller companies. They may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or Geico.

Additional car insurance information is located below:

• Tools for Teen Driving Safety (State Farm)
• Teen Driver Statistics (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Winter Driving (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)

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