Lower Your 1996 Hyundai Accent Insurance Rates

Trying to find better insurance coverage rates? Buyers have options when searching for affordable Hyundai Accent insurance. They can either waste time struggling with agents to get rate comparisons or leverage the internet to find the lowest rates. There is a better way to shop for insurance coverage so we’re going to tell you the best way to get price quotes for your Hyundai and get the best price possible from local insurance agents and online providers.

It’s smart to compare rates yearly because rates go up and down regularly. Even if you think you had the best deal on Accent coverage a few years ago the chances are good that you can find a lower price today. Ignore everything you know about insurance coverage because we’re going to demonstrate the tricks you need to know to reduce your cost while improving coverage.

If you have insurance now or need a new policy, you can learn to get lower rates and possibly find even better coverage. The purpose of this post is to help you learn how to effectively get price quotes and some money-saving tips. Consumers only need to know the most efficient way to get comparison quotes online.

How to buy car insurance

There are multiple methods to shop for car insurance, but one way is easier and takes less work. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting for quick rates.

Most major companies belong to a marketplace where prospective buyers only type in their quote data once, and at least one company can provide price quotes based on that data. This saves time by eliminating quote forms for every car insurance company. To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to pricing coverage this way is you cannot specify which companies to get pricing from. So if you prefer to choose specific insurance companies to compare, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverages and limits for every company. If each company quotes different limits and deductibles on each one you will not be able to truly determine the lowest rate.

Discounts for affordable auto insurance rates

Not too many consumers would say auto insurance is affordable, but there are discounts available that could drop your premiums quite a bit. Certain credits will be shown when you quote, but a few must be inquired about before you get the savings. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.

• Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
• Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles with the same auto insurance company could earn a price break for each car.
• Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and will save you 10% or more.
• College Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
• Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
• Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
• Defensive Driving Course – Taking a safe driver class could possibly earn you a 5% discount depending on where you live.
• Auto/Home Discount – If you insure your home and vehicles with the same company you could get a discount of as much as 10 to 15 percent.
• No Charge for an Accident – This one isn’t a discount, but a handful of insurance companies will allow you to have one accident without raising rates if you are claim-free before the accident.

As a sidenote, most discounts do not apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

Some of the insurance companies who may offer some of the discounts shown above possibly include:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

If you are trying to find inexpensive auto insurance quotes, ask each insurance company how many discounts you can get. All car insurance discounts may not be offered in your area.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions may help highlight whether you might need an agent’s assistance.

• What vehicles should carry emergency assistance coverage?
• Does medical payments coverage apply to all occupants?
• What happens if I owe more than my 1996 Hyundai Accent is worth?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I covered if hit by an uninsured driver?
• Does coverage extend to Mexico or Canada?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Coverage specifics

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, theft, fire damage and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, sideswiping another vehicle, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Hyundai Accent.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for liability – This coverage protects you from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

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. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as chiropractic care, pain medications, ambulance fees and dental work. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible