Cheaper 2013 Hyundai Accent Insurance Quotes

Buyers have options when searching for low-cost Hyundai Accent insurance. You can either waste hours driving around trying to get quotes or leverage the internet to get rate quotes.

There is a better way to compare insurance rates so we’re going to tell you the absolute fastest way to compare rates for a Hyundai and get the cheapest rates from local insurance agents and online providers.

This article will familiarize you with the best way to quote coverages and some tricks to saving. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Drivers just need to learn the most efficient way to shop for auto insurance on the web.

These discounts can lower insurance rates

Insurance is expensive, but there could be significant discounts to help offset the cost. Some trigger automatically when you purchase, but a few must be manually applied before you will receive the discount.

• Life Insurance – Select companies reward you with lower insurancerates if you buy some life insurance in addition to your auto policy.
• Renewal Discounts – Some companies give discounts for buying a new policy prior to the expiration date on your current policy. It’s a savings of about 10%.
• Seat Belt Discounts – Drivers who require all occupants to use a seat belt can save 10% or more off the PIP or medical payment premium.
• Theft Deterent – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and will qualify for a discount on a car insurance quote.
• Student Discounts – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
• Student Driver Training – Require your teen driver to sucessfully take a drivers education course as it can save substantially.
• Government Employee Discount – Employees or retirees of the government may reduce rates when you quote car insurance for Accent coverage with a few insurance companies.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most only apply to specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Companies and a partial list of their discounts are shown below.

• State Farm includes discounts for driver’s education, Steer Clear safe driver discount, multiple autos, safe vehicle, Drive Safe & Save, student away at school, and defensive driving training.
• Geico has discounts for federal employee, emergency military deployment, driver training, good student, and multi-vehicle.
• Liberty Mutual may include discounts for new graduate, safety features, new vehicle discount, preferred payment discount, new move discount, multi-policy, and newly retired.
• The Hartford has savings for air bag, driver training, bundle, anti-theft, vehicle fuel type, good student, and defensive driver.
• MetLife offers discounts including good driver, accident-free, defensive driver, multi-policy, and claim-free.
• Progressive policyholders can earn discounts including good student, homeowner, online quote discount, multi-policy, continuous coverage, and multi-vehicle.

Check with every prospective company how many discounts you can get. A few discounts may not be offered in your state. To see insurance companies with the best discounts, click here.

Decisions you make can impact your insurance prices

Many factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although others are more obscure like where you live or how safe your car is.

• Remove unneeded incidental coverages – There are many extra bells and whistles that may not really be needed but may not be useful. Insurance for rental car coverage, towing, and membership fees may not be needed and are just wasting money. They may seem like a good idea when buying your policy, but if you’ve never needed them in the past remove them from your policy.
• Older drivers are lower risk – Teen drivers are proven to be easily distracted when driving with friends so they pay higher car insurance rates. Having to add a first-time driver to your policy can break the bank. Older people are proven to be safer behind the wheel, statistically cause fewer accidents .
• Drivers with high credit save on car insurance – Your credit rating is likely to be a major factor in your rate calculation. If your credit history is low, you could potentially save money when insuring your 2013 Hyundai Accent by improving your rating. People with very good credit scores tend to be less risk to insure as compared to drivers with bad credit.
• Alarms and GPS tracking lower prices – Buying a car with an alarm system can save you some money. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your car from being stolen.
• Raising physical damage deductibles saves money – Physical damage deductibles define how much you are required to spend out-of-pocket if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of some claims that would be covered would be collision with another vehicle, animal collisions, and having a roll-over accident. The more damage repair cost the insured is willing to pay, the bigger discount you will receive for Accent coverage.
• Drive less and get lower rates – The more miles you rack up on your Hyundai in a year’s time the higher the price you pay to insure it. Many insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars that sit idle most of the time cost less to insure than those used for commuting. An improperly rated Accent is throwing money out the window. It’s always a good idea to double check that your car insurance policy correctly shows the proper vehicle usage.

When do I need an agent’s advice?

When it comes to buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different.

For example, these questions may help you determine if you could use an agent’s help.

• When should I remove comp and collision on my 2013 Hyundai Accent?
• If my pet gets injured in an accident are they covered?
• Which companies will insure high-risk drivers?
• Am I getting all the discounts available?
• Can I drive in Mexico and have coverage?
• Does liability extend to a camper or trailer?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Insurance coverage specifics

Understanding the coverages of your insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision – Collision coverage will pay to fix damage to your Accent resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like pain medications, surgery and EMT expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Hyundai Accent.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – This coverage pays for 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 can pay for claims like damage from flooding, hitting a bird and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance – Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like bail bonds, attorney fees, pain and suffering, legal defense fees and structural damage. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Make an honest buck

When shopping online for car insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice liability coverage limits only to regret at claim time that they should have had better coverage. The goal is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Drivers switch companies for many reasons like policy non-renewal, denial of a claim, policy cancellation or not issuing a premium refund. It doesn’t matter why you want to switch finding a great new company can be easier than you think.

We just showed you a lot of ways to lower your 2013 Hyundai Accent insurance premium rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates come from an unexpected company.

Additional car insurance information can be read at these links:

• Rental Reimbursement Coverage (Allstate)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Choosing a Car for Your Teen (State Farm)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)