Lower Your 1998 Hyundai Accent Insurance Quotes

I can’t think of anyone who rejoices having to buy car insurance, especially when the cost is too high.

With so many online and local companies to choose from, it can be diffult for drivers to find the cheapest car insurance provider.

Insurance quotes comparison

Shopping for lower insurance rates can be challenging if you don’t utilize the most efficient way. You can spend your afternoon driving to agents in your area, or you could use online quotes to quickly compare rates.

Most major companies enroll in a system where insurance shoppers enter their policy data once, and each participating company then gives them pricing based on that data. This saves time by eliminating quotation requests for every insurance company.

To find out how much you can save on insurance click here to start a free quote.

The one disadvantage to pricing coverage this way is you are unable to specify which providers you will receive quotes from. So if you want to select from a list of companies to compare prices, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just make absolute certain that you use apples-to-apples coverage limits with every price quote. If you use mixed coverages it’s impossible to truly determine the lowest rate. Even a minor difference in limits could mean much higher rates. And when price shopping your coverage, comparing a wide range of rates will improve the odds of getting a better price.

Insurance Discounts

Some insurance providers don’t always list every policy discount very clearly, so the list below details some of the best known and also the lesser-known credits available to lower your premiums when you buy insurance coverage online.

• Sign Early and Save – A few insurance companies give discounts for buying a policy prior to your current policy expiring. You could save around 10% when you buy insurance coverage online.
• Federal Government Employee – Active or former government employment can save as much as 8% on Accent coverage but check with your company.
• Military Deployment Discount – Being on active duty in the military could mean lower prices.
• Senior Discount – Older drivers can possibly qualify for a discount up to 10% on Accent coverage.
• Seat Belt Usage – Requiring all passengers to use a seat belt can save a little off the medical payments premium.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think you can get free auto insurance, you aren’t that lucky.

If you would like to view insurance companies who offer discounts, click here.

How to lower your insurance premiums

It’s important that you understand some of the things that are used to determine the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to big savings.

• Your spouse saves you money – Having a wife or husband actually saves money on your car insurance policy. It usually means you are less irresponsible it has been statistically shown that drivers who are married file infrequent claims.
• How’s your driving record? – Your driving citation history impacts premiums far more than you think. Attentive drivers tend to pay less for car insurance compared to drivers with tickets. Having just one moving violation could increase your next policy renewal to the point where it’s not affordable. Drivers who get serious violations like reckless driving or DUI may find that they have to to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
• Male rates may be higher – Over time, data shows that women are safer drivers than men. This data doesn’t prove that women are better drivers. Women and men have auto accidents at about the same rate, but men have accidents that have higher claims. Men also tend to get ticketed for serious violations like reckless driving and DUI.
• How your age affects prices – More mature drivers have been proven to be more responsible, statistically cause fewer accidents and get fewer tickets.Teenage drivers have a tendency to be easily distracted with other occupants in the car so car insurance rates are higher.
• Lower stress equals lower prices – Do you work in a high-stress field? Occupations like judges, architects and accountants tend to have higher rates than average because of intense work requirements and incredibly demanding work hours. Other careers like scientists, athletes and performers generally pay rates lower than average on Accent coverage.

Tailor your insurance coverage to you

When buying proper insurance coverage, there is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether your personal situation may require specific advice.

• What happens if I owe more than my 1998 Hyundai Accent is worth?
• Am I insured when driving a different vehicle?
• Do all my vehicles need collision coverage?
• What is medical payments coverage?
• Is my cargo covered for damage or theft?
• Is my 1998 Hyundai Accent covered for smoke damage?
• Does my policy cover my teen driver if they drive my company car?
• Will I lose any money if I cancel my policy before it expires?
• Why am I required to buy high-risk coverage?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Can you really save $423 a year?

Well-known insurance companies like Progressive, Geico, Allstate and State Farm endlessly run ads on television and other media. They all say the same thing that people will save if you switch your coverage. How can each company make the same claim? This is the trick they use.

Insurance providers have specific characteristics for a prospective insured that earns them the most money. For instance, a profitable risk profile might be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. Any driver that fits those parameters receive the lowest rate quotes and as a result will probably save quite a bit of money when switching.

Drivers who do not fit the ideal profile must pay higher prices and this results in the customer buying from a different company. The trick is to say “people that switch” not “everybody who quotes” will save that much if they switch. That is how companies can truthfully make it sound like they have such great rates. Each company has different criteria, so it is so important to compare free insurance coverage quotes often. It is impossible to predict which insurance company will provide the lowest prices.

Specific coverages for a Hyundai Accent

Having a good grasp of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages available from car insurance companies.

Liability car insurance – This coverage will cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people, and does not provide coverage for 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 commonly see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for things like funeral expenses, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like dental work, funeral costs, rehabilitation expenses and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle, damage from getting keyed and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – This covers damage to your Accent resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, driving through your garage door, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Hyundai Accent.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Quote often and quote early

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. In too many instances, someone sacrificed physical damage coverage only to regret that it was a big mistake. Your goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Some insurance coverage companies may not offer price quotes online and these smaller providers only sell through local independent agents. The cheapest 1998 Hyundai Accent insurance can be sourced from both online companies as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

We just covered many tips how you can shop for 1998 Hyundai Accent insurance online. It’s most important to understand that the more companies you get car insurance rates for, the higher the chance of saving money. You may be surprised to find that the best rates are with a small mutual company. Regional companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Progressive and Geico.

More articles

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Safety Features for Your New Car (State Farm)
• Rollover Crash FAQ (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)