Cheap 2000 Hyundai Accent Insurance Quotes

Price shopping your Driversinsurance coverage could be hard for drivers not familiar with comparison shopping online. You have so many different companies and agents to choose from that it can turn into a ton of work to compare prices.

Compare insurance coverage rates

Comparing insurance coverage rates can be a daunting task if you don’t understand the fastest way to get free quotes. You could waste a few hours driving to local insurance agents in your area, or you can stay home and use the internet to get the quickest rates.

Many companies participate in a marketplace where prospective buyers send in one quote, and every company can give them a price based on the submitted data. This system prevents you from having to do quotation requests for every insurance coverage company.

To compare pricing click here (opens in new window).

The one downside to doing it this way is that consumers can’t choose which providers to get quotes from. So if you want to select individual companies to compare rates, we have assembled a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

Compare rates however you want, just be sure you’re using equivalent coverage limits and deductibles with every price quote. If you have higher or lower deductibles it’s impossible to get a fair rate comparison. Just a small difference in insurance coverages may result in a large different in cost. It’s important to know that having more price comparisons will increase your chances of finding lower pricing. Some companies don’t provide rate quotes online, so it’s important to compare rates from them as well.

Insurance myths debunked

Insurance providers like State Farm, Geico and Progressive regularly use television and radio advertisements. They all seem to say the same thing about savings just by moving your coverage to them. It sounds good, but how can they all save you money? It’s all in the numbers.

Different companies have specific guidelines for the type of insured that is profitable for them. For example, a driver they prefer might have to be between the ages of 40 and 55, carries high limits, and insures a new vehicle. Any new insured who fits that profile will qualify for the lowest prices and will probably cut their rates substantially.

People who don’t meet this stringent profile will be quoted higher prices and the customer not purchasing. If you listen closely, the ads state “customers that switch” but not “all drivers who get quotes” save that much when switching. That is how companies can advertise the savings.

Because every company is different, drivers must do a rate comparison at every renewal. It is impossible to guess the company that will provide you with the cheapest car insurance rates.

Four factors that affect insurance premiums

Lots of factors are used in the calculation when you quote your car insurance policy. Some are obvious like your driving record, although some other factors are more obscure like your continuous coverage or your financial responsibility.

Shown below are some of the major factors insurance coverage companies consider when setting your prices.

• Infrequent drivers can save – The more you drive in a year’s time the more you’ll pay to insure it. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars that sit idle most of the time cost less to insure than cars that get driven a lot. Make sure your policy is showing the correct driver usage. Having the wrong rating on your Accent may be wasting your money.
• Vocation reflects on rates – Jobs like lawyers, social workers and accountants tend to pay higher rates than average attributed to intense work requirements and lengthy work days. On the other hand, careers such as scientists, athletes and the unemployed receive lower rates for Accent coverage.
• Insurance coverage claims cost money – Insurance companies provide cheaper rates to policyholders who are not frequent claim filers. If you file claims often, you can expect higher rates. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
• How’s your driving record? – Being a careful driver has a lot to do with how much you pay for insurance. Getting just one speeding ticket or other violation may cause rates to rise by as much as twenty percent. Drivers who don’t get tickets pay lower auto insurance prices than bad drivers. Drivers who have gotten severe citations such as reckless driving, hit and run or driving under the influence might be required by their state to file a SR-22 with their state’s licensing department in order to keep their license.

Discounts to earn cheap car insurance rates

Buying car insurance is not cheap, but you might be missing out on some discounts that could drop your premiums quite a bit. Many discounts should be triggered when you quote, but some may not be applied and must be specifically requested before you get the savings.

• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it will make them better drivers and lower rates.
• Clubs and Organizations – Affiliation with qualifying employment or professional organizations could earn you a nice discount on your policy.
• Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease for Accent coverage with certain companies.
• Discounts for Multiple Vehicles – Having more than one vehicle on one policy can get a discount on all vehicles.
• Multi-line Discount – Larger car insurance companies have a small discount if you purchase a life policy as well.
• Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% for Accent coverage as compared to drivers with claims.
• Driving Data Discount – Insureds who allow their insurance company to track driving manner by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as they are good drivers.
• Passenger Safety Discount – Factory air bags or motorized seat belts may earn rate discounts as much as 30%.
• Defensive Driver Discount – Completing a course in safe driver is a good idea and can lower rates if your company offers it.

A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Auto insurance companies that may include these money-saving discounts are:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

It’s a good idea to ask every prospective company which discounts you qualify for. Some credits might not apply in your state. To choose insurers that offer some of these discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

• How high should my uninsured/underinsured coverage be in my state?
• Am I covered if hit by an uninsured driver?
• Am I covered by my spouse’s policy after a separation?
• Am I covered if I hit my neighbor’s mailbox?
• Do I need higher collision deductibles?
• Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Parts of your car insurance policy

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hail damage, damage from getting keyed, rock chips in glass and theft. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

Liability coverage will cover damage or injury you incur to a person or their property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like pain and suffering, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses like chiropractic care, prosthetic devices, rehabilitation expenses and EMT expenses. The coverages can be used in conjunction with a health insurance plan 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. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

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

Collision insurance covers things like scraping a guard rail, hitting a mailbox, rolling your car, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Hyundai Accent.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Make an honest buck

We just showed you quite a bit of information on how to get a better price on 2000 Hyundai Accent insurance. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the lowest premium rates are with an unexpected company.

When searching for cheaper car insurance quotes, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice physical damage coverage and learned later that it was a big error on their part. The ultimate goal is to get the best coverage possible at the best price while still protecting your assets.

Insureds change insurance companies for a variety of reasons including questionable increases in premium, an unsatisfactory settlement offer, denial of a claim and delays in paying claims. Whatever your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

To read more, link through to these articles:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Distracted Driving Statistics (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)