Compare 1995 Hyundai Accent Car Insurance Rates

Having to pay for high-priced insurance coverage can bleed your savings and possibly require postponing other expenditures. Many insurance companies vie for your business, and it can be difficult to compare rates to get the lowest price

If you have a current insurance coverage policy or are just looking to switch companies, you can learn to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers only need to know the most efficient way to find the lowest price on the web.

Do you qualify for discount insurance coverage?

Some companies do not advertise all possible discounts very well, so here is a list some of the best known and also the lesser-known ways to save on insurance coverage.

• Memberships – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your next insurance coverage statement.
• Telematics Data Discounts – Drivers that enable their insurance company to spy on where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
• Distant Student Discount – Children who are attending college and do not take a car to college may be insured at a cheaper rate.
• Discount for Life Insurance – Larger insurance coverage companies have a break if you buy some life insurance in addition to your auto policy.
• Low Mileage Discounts – Low mileage vehicles could be rewarded with better premium rates on cars that stay parked.
• No Claim Discounts – Drivers with accident-free driving histories get the best insurance coverage rates as compared to frequent claim filers.
• Discounts for Safe Drivers – Insureds who avoid accidents can pay as much as 50% less on Accent coverage compared to rates paid by drivers with frequent claims.
• Government Employees – Having worked for a branch of the government can save as much as 8% on Accent coverage depending on your insurance coverage provider.

A little disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any amount of discount will bring down your policy premium.

To choose insurers with the best insurance coverage discounts, click this link.

How to lower your car insurance cost

All major car insurance companies like Allstate and Progressive allow you to get insurance quotes directly from their websites. Getting prices online is pretty easy as you simply type in your coverage preferences into a form. When the form is submitted, the system automatically orders information on your driving record and credit history and gives you a price quote based on these and other factors. This makes it easy to compare insurance prices but the time required to go to several different sites and type in the same information is a big time waster. But it’s also necessary to compare as many rates as possible in order to find better car insurance pricing.

Online rates the easy way

The quickest way to find cheaper rates uses one simple form that analyzes rates from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes comparison shopping a little more enjoyable. As soon as the form is sent, it gets priced and you can select any one of the quotes that you receive.

If you find a better price you can simply submit the application and buy the policy. This process only takes a few minutes and you will know how your current rates stack up.

To quickly find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you replicate the limits and deductibles identical to your current policy. This makes sure you will receive an apples-to-apples comparison for similar insurance coverage.

You can change your insurance costs

Lots of factors are taken into consideration when you quote your car insurance policy. Some are pretty understandable like an MVR report, although others are not as apparent such as your credit history or your commute time.

The itemized list below are most of the major factors used by companies to determine your premiums.

• Alarm systems lower car insurance rates – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart vehicle theft.
• Vehicles with better crash test results means cheaper rates – Vehicles that have high safety ratings are cheaper to insure. Vehicles engineered for safety protect occupants better and better occupant protection translates into fewer and smaller insurance claims and cheaper rates on your policy.
• Teenage driver insurance rates – Older insureds are more cautious drivers, tend to cause fewer accidents , and usually have better credit.Teenage drivers are proven to be inattentive and easily distracted when at the wheel of a vehicle so they pay higher car insurance rates.
• Urban areas may pay more – Living in areas with lower population can save you money if you are looking for the lowest rates. Fewer people means reduced accidents in addition to lower liability claims Residents of big cities have to deal with much more traffic and higher rates of accident claims. The longer drive time means more chance of being in an accident.
• Eliminate add-on coverages – Insurance policies have a lot of additional extra coverages that you can buy if you don’t pay attention. Coverages for roadside assistance, accident forgiveness, and extra life insurance coverage may be costing you every month. These may sound like a good investment initially, but if they’re wasting money remove them and pocket the money.
• Lower car insurance rates with uninterrupted coverage – Driving any period of time without insurance is not a good idea and companies may charge more for letting your coverage cancel without a new policy in place. Not only will you pay more, not being able to provide proof of insurance could earn you fines and jail time. You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
• Male premiums may be higher – Over the last 30 years, statistics show that females take fewer risks when driving. However, don’t assume that males are worse at driving than females. Both genders have fender benders in similar numbers, but men tend to have more serious accidents. In addition to higher claims, males also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers cause the most accidents and therefore are the most expensive to insure.

What insurance coverages do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can help discover if you could use an agent’s help.

• Do I need roadside assistance coverage?
• What is the rate difference between pleasure use and commuting?
• What can I do if my company won’t pay a claim?
• Who is covered when they drive my 1995 Hyundai Accent?
• How much liability coverage do I need in my state?
• Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Do you really save 40% when you switch?

Consumers can’t ignore all the ads that promise big savings for switching by companies like Allstate and Progressive. All the companies seem to make the promise that you can save if you switch your policy.

That’s great but how can every company offer you a better deal? You have to listen carefully.

Different companies can use profiling for a prospective insured that will be a good risk. For instance, a profitable risk profile could be a married male, has a clean driving record, and does not commute to work. A customer getting a price quote who matches that profile will probably get the lowest premium rates and have a good chance to cut their rates if they switch.

Drivers who do not meet those criteria will see higher premium rates and business not being written. If you pay close attention to the ads, they say “customers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can make the claims of big savings.

This illustrates why you should quote coverage with many companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest rates.

Insurance coverage considerations

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Liability coverage

This coverage will cover injuries or damage you cause to a person or their property. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different 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 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like pain and suffering, repair bills for other people’s vehicles, emergency aid and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, rock chips in glass, falling objects and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses like funeral costs, X-ray expenses and hospital visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Hyundai Accent.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Don’t be a big spender

We just covered many tips how you can get a better price on 1995 Hyundai Accent insurance. The key concept to understand is the more companies you get premium rates for, the better chance you’ll have of finding the cheapest auto insurance. Drivers may discover the most savings is with the least-expected company. Regional companies may cover specific market segments cheaper compared to the large companies like State Farm, Geico and Nationwide.

When trying to cut insurance costs, do not reduce coverage to reduce premium. In many instances, an insured dropped physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at the best price, but do not skimp to save money.

More information is available on the following sites:

• Your Car has been Stolen: Now What? (Allstate)
• Car Insurance FAQ (Trusted Choice)
• Safety Features for Your New Car (State Farm)
• Alcohol Impaired Driving FAQ (iihs.org)