Lower Your 2010 Hyundai Accent Car Insurance Cost

Searching for better car insurance rates for your Hyundai Accent? Having to pay for pricey car insurance can eat up your monthly budget and possibly require postponing other expenditures. Getting a rate comparison can be a smart way to ensure you are getting the best deal.

Because there are so many insurance providers from which to choose, it can be challenging to pick a more affordable insurance company.

You need to get comparison quotes occasionally because insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest quotes on Accent insurance a couple years back you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re going to learn the fastest way to save on car insurance.

Finding the best rates is not rocket science. If you have a current insurance policy or are just looking to switch companies, you can follow these tips to reduce the price you pay while maximizing coverage. Vehicle owners only need to know the proper way to get comparison rates on the web.

Get more affordable insurance costs by understanding these factors

Smart consumers have a good feel for the rating factors that help determine the rates you pay for auto insurance. If you know what influences your rates, this empowers consumers to make smart changes that can help you get lower auto insurance prices.

The following are some of the factors used by companies to determine rates.

  • Liability coverage limits should be high – A critical coverage on your policy, liability insurance will protect you in the event that you are determined to be liable for physical damage or personal injury to other. This coverage provides legal defense which can cost a lot. It is affordable coverage compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • High deductibles reduce prices – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some instances where coverage would apply are a broken windshield, damage from fire, and rolling your vehicle. Comp and collision deductibles define how much you are required to spend out-of-pocket if you file a covered claim. The higher the amount you’re willing to pay, the less your auto insurance will be on Accent insurance.
  • Gender and insurance coverage rates – Statistics show that women are safer drivers than men. However, this does not mean men are worse drivers. Men and women get in at-fault accidents at a similar rate, but guys have costlier accidents. Men also tend to get ticketed for serious violations like reckless driving and DUI.
  • Save money by staying claim free – If you tend to file frequent claims, don’t be surprised to see much higher rates or policy non-renewal. Insurance companies generally give most affordable rates to drivers who do not rely on their insurance for small claims. Auto insurance is intended for major claims that would cause financial hardship.
  • Lower annual miles equals lower premium – The more you drive in a year the more you will pay for auto insurance. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Autos left parked in the garage can get a lower rate than cars that get driven a lot. Incorrect rating for your Accent may be costing you. Make sure your policy reflects how each vehicle is driven, because it can save money.
  • Lower stress equals lower rates – Did you know your career choice can influence rates? Occupations like fire fightersairline pilots and dentists tend to pay higher premiums than the average policyholder due to intense work-related stress and lengthy work days. On the flip side, professions such as professors, historians and homemakers pay lower than average rates on Accent insurance.

Get lower-cost auto insurance quotes with discounts

Properly insuring your vehicles can get expensive, but there could be significant discounts to reduce the price significantly. Many discounts should be triggered when you complete an application, but occassionally some discounts must be requested specifically prior to getting the savings.

  • Auto/Home Discount – If you combine your home and auto policies with one insurance company you may save approximately 10% to 15%.
  • Student in College – Kids who live away from home at college and do not have access to a covered vehicle may qualify for this discount.
  • Discount for New Cars – Insuring a vehicle that is new can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
  • Safety Restraint Discount – Drivers who require all occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Driver Safety – Taking a course teaching defensive driver skills is a good idea and can lower rates and easily pay for the cost of the class.
  • ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and earn discounts up to 10%.
  • Government Employees – Having worked for a branch of the government can save as much as 8% on Accent insurance with select insurance companies.
  • Homeowners Discount – Owning a house can save you money because owning a home requires a higher level of personal finance.
  • Telematics Discount – Drivers who agree to allow their company to spy on vehicle usage through the use of a telematics system such as Progressive’s Snapshot could save a few bucks if their driving habits are good.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, that’s just not realistic.

Some of the insurance companies that may offer policyholders these benefits may include but are not limited to:

Check with every company which discounts they offer. Some of the earlier mentioned discounts might not be offered on policies in your area. To find insurers that provide some of the discounts listed above, follow this link.

Why you might not save $483 a year

Consumers constantly see and hear ads that promise big savings by companies like Allstate, Geico and Progressive. They all make the point that you can save if you get a free auto insurance quote and switch to them.

How does every insurance company offer drivers better rates? Here is how they do it.

Insurance companies quote the lowest rates for the type of driver that will be a good risk. For instance, this type of driver might be described as over the age of 45, owns a home, and chooses high deductibles. A propective insured who matches that profile gets the lowest premium rates and will probably save some money.

People who are not a match for these stringent criteria will get a more expensive rate which leads to the customer buying from someone else. The trick companies use is to say “drivers who switch” but not “all drivers who get quotes” save that much money. That’s the way companies can make it sound like they have such great prices. Because every company is different, it is so important to compare as many free auto insurance quotes as you can. It is impossible to predict which company will have the best premium rates.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might point out if you would benefit from professional advice.

  • Am I covered when driving in Canada or Mexico?
  • If my 2010 Hyundai Accent is totaled, can I afford another vehicle?
  • Are rental cars covered under my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my insurance cover my expensive audio equipment?
  • Does coverage extend to my business vehicle?
  • Do I have newly-aquired coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Auto insurance coverages

Learning about specific coverages of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average car insurance policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills like dental work, prosthetic devices and surgery. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability

This coverage provides protection from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as structural damage, legal defense fees, emergency aid and pain and suffering. How much coverage you buy is up to you, but buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, a broken windshield and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays for damage to your Accent caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole, rolling your car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Final thoughts

In this article, we covered some good ideas how to reduce 2010 Hyundai Accent insurance prices online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even find the best prices are with a small local company. These smaller insurers often have lower rates on specific markets compared to the large companies like State Farm and Allstate.

When getting auto insurance quotes online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped full coverage and found out when filing a claim they didn’t have enough coverage. Your focus should be to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

Budget-conscious 2010 Hyundai Accent insurance can be found both online and from local agencies, so get free auto insurance quotes from both of them to have the best chance of lowering rates. A few companies may not have the ability to get a quote online and these smaller providers provide coverage only through local independent agencies.

To read more, feel free to browse the resources below:

Comments About 2010 Hyundai Accent Insurance

  1. Kallie Pearson

    I live just to the east of Omaha, NE. Received quotes from Western Auto Insurance, Amica, Liberty Mutual, and Nationwide for my Hyundai and I’m now saving $53 a month. Was with GMAC.

  2. Tyler Cunningham

    Proud to be from Aberdeen, SD. Received quotes with American Family, Safeco, and a few others for my Accent and I think I saved about $30 each month. Insured with Encompass before. I recommend comparing lots of rates.

  3. Elna Simon

    Checking in from Dallas, TX. Went online for free insurance quotes for a 2010 Hyundai Accent. Ended up at about $210 savings annually. Went with State Farm.

  4. Madonna Wooten

    Proud to be from Columbus, OH. I quoted with American Family, Nationwide, and some smaller one I can’t remember the name of for my 2010 Hyundai Accent and saved about $130 a year. I got a quote from their website.

  5. Francine Abbott

    State Farm was cheapest for my 2010 Hyundai Accent in Parkersburg, WV.

  6. Stacie Davenport

    Well-written and thought out article. Located in Atlanta, GA. I got free prices from Liberty Mutual, Auto-Owners, Mercury, and a couple others for my Accent and I’m now saving $44 a month. I even had a DUI years ago.

  7. Cristina Oneil

    Does 21st Century insure teenage drivers?