Lower Your 2009 Hyundai Accent Insurance Rates

Have you finally had enough of robbing Peter to pay Paul to pay high car insurance rates every month? Your situation is no different than many other drivers.

Due to the abundance of choices, it can be hard to pick the lowest cost insurance company.

Smart consumers take time to get comparison quotes on a regular basis because prices are constantly changing. Just because you had the best price for Accent insurance a few years ago there may be better deals available now. Ignore everything you know about car insurance because you’re about to find out the tricks you need to know to reduce your cost while improving coverage.

Finding the best rates is not rocket science. If you have car insurance now, you will most likely be able to save some money using this strategy. But drivers do need to know how big insurance companies price online insurance and apply this information to your search.

How to get insurance price quotes

There are a lot of ways to shop for insurance, and some are less time-consuming than others. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you can utilize the web to get prices fast.

Most car insurance companies belong to a marketplace that enables customers to submit one quote, and each participating company provides a quote based on that data. This eliminates the need for form submissions to each individual insurance company. To enter your information into the quoting system, click here to open in new window.

The only drawback to using this type of form is that you can’t choose the insurers you want to price. If you wish to select specific providers to compare prices, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just be sure to compare the same coverage data for every quote you compare. If your comparisons have different limits and deductibles on each one you will not be able to truly determine the lowest rate. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparing insurance rates, know that quoting more helps increase your odds of locating better pricing. Not every company provides online quotes, so it’s necessary to compare prices from them, too.

Big names are not always cheapest

Popular auto insurance providers such as Allstate, Geico and Progressive seem to constantly run ads on television and other media. They all seem to state the claim of big savings if you change your policy. How is it plausible that every one can charge you a lower premium? It’s all in the wording.

All companies have a certain “appetite” for the type of customer that will generate a profit. A good example of a profitable customer could possibly be over the age of 50, carries full coverage, and chooses high deductibles. Any driver that meets those criteria may get the lowest rates and as a result will probably save a lot if they switch.

People who fall outside those standards will have to pay a more expensive rate and this results in the prospect going elsewhere. If you pay close attention to the ads, they say “drivers who switch” not “all people who quote” save that much. This is how insurance companies can confidently make claims that they all have the best premium rates. Because every company is different, drivers must get car insurance quotes from several different companies. It’s just too difficult to predict which company will have the lowest rate quotes.

Reduce your insurance coverage rates with discounts

Companies offering auto insurance don’t list every policy discount very well, so we break down some of the more common as well as the least known insurance coverage savings.

• College Student Discount – Youth drivers who live away from home to go to college and do not take a car to college could get you a discount.
• Driving Data Discount – Drivers that enable companies to scrutinize driving manner by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if their driving habits are good.
• Active Military Service – Having a deployed family member may lower your prices slightly.
• Switch and Save Discount – Some insurance coverage companies reward drivers for renewing your policy prior to your current policy expiring. This can save 10% or more.
• Life Insurance – Select companies reward you with better insurance coveragerates if you take out a life insurance policy as well.
• Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote when compared to frequent claim filers.
• Federal Government Employee – Employees or retirees of the government may reduce rates when you quote car insurance for Accent insurance depending on your company.
• Multiple Cars – Buying insurance for multiple cars with the same insurance coverage company qualifies for this discount.

Discounts lower rates, but some credits don’t apply to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will positively reduce your premiums.

To view insurance companies who offer free insurance coverage quotes, click here to view.

You are unique and your insurance should be too

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.

• What happens if I owe more than my 2009 Hyundai Accent is worth?
• Should I rate my 2009 Hyundai Accent as pleasure use or commute?
• Are my friends covered when driving my car?
• Is a fancy paint job covered?
• What companies insure drivers after a DUI or DWI?
• Is my teen driver covered when they drive my company car?
• What vehicles should carry emergency assistance coverage?
• Do I pay less if my vehicle is kept in my garage?
• Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverage specifics

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from auto insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, fire damage, damage from flooding and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision coverage covers damage to your Accent from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, driving through your garage door, rolling your car, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM Coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family 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 very important.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills such as doctor visits, nursing services, chiropractic care and surgery. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle 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

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as attorney fees, pain and suffering and loss of income. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

One last thing

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. In many cases, drivers have reduced comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.

Lower-priced insurance is attainable on the web as well as from insurance agents, so you need to quote car insurance with both in order to have the best price selection to choose from. Some companies may not offer rate quotes online and most of the time these smaller providers only sell through independent insurance agencies.

We just showed you a lot of ways to shop for 2009 Hyundai Accent insurance online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding cheap car insurance. Consumers may even find the biggest savings come from an unexpected company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

Much more information about insurance can be read at the links below

• Frontal Crash Tests (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Think You’re a Safe Driver? (State Farm)
• Teen Driving Statistics (iihs.org)