Cheaper 2014 Hyundai Accent Car Insurance Cost

Searching for the cheapest insurance for your Hyundai Accent can normally be a lot of work, but you can use these tips to find lower rates.

There is a better way to find car insurance online so we’re going to tell you the quickest way to price shop coverage for a Hyundai and find the cheapest rates from local insurance agents and online providers.

These discounts can reduce insurance rates

Companies that sell car insurance do not list the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of some of the best known and also the more inconspicuous insurance savings.

• Defensive Driver – Taking part in a course in defensive driving could cut 5% off your bill if you qualify.
• Online Discount – Some larger companies will provide an incentive just for signing your application on your computer.
• Save with a New Car – Buying a new car instead of a used car may earn a small discount because new model year vehicles keep occupants safer.
• Data Collection Discounts – Policyholders that allow data collection to spy on driving manner by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
• Discount for Life Insurance – Insurance companies who offer life insurance give lower prices if you buy life insurance from them.
• Clubs and Organizations – Having an affiliation with a civic or occupational organization could qualify you for a break when shopping for insurance.

Don’t be surprised that some credits don’t apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will reduce the cost of coverage.

A few of the larger companies and some of the discounts can be read below.

• Farm Bureau policyholders can earn discounts including renewal discount, multi-policy, 55 and retired, driver training, multi-vehicle, and youthful driver.
• State Farm includes discounts for accident-free, good driver, driver’s education, good student, and Steer Clear safe driver discount.
• Progressive offers premium reductions for homeowner, good student, continuous coverage, online quote discount, multi-policy, and multi-vehicle.
• Allstate may have discounts that include economy car, anti-theft, FullPay discount, eSmart discount, multi-policy, utility vehicle, and 55 and retired.
• Nationwide has discounts for anti-theft, Farm Bureau membership, good student, multi-policy, easy pay, and accident-free.
• MetLife offers discounts including accident-free, defensive driver, good driver, claim-free, good student, and multi-policy.

Before purchasing a policy, check with each insurance company which discounts you may be entitled to. Discounts may not apply to policyholders in your area. If you would like to choose from a list of insurance companies who offer free insurance quotes, click this link.

Ways to get insurance coverage quotes

Effectively comparing insurance coverage prices can be a lot of work if you don’t know the best way to get rate quotes. You can spend countless hours talking about coverages with insurance agencies in your area, or you could use the internet to get rate comparisons in just a few minutes.

Most of the larger companies belong to a marketplace where prospective buyers send in one quote, and at least one company can give them a price based on that data. This eliminates the need for repetitive form submissions to each company. To participate in this free quote system, click here (opens in new window).

The one disadvantage to comparing rates this way is you can’t choose the providers to get pricing from. So if you prefer to choose from a list of companies to compare, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just try to use the exact same quote information for each price quote. If you use unequal deductibles or liability limits it’s impossible to determine the best price for your Hyundai Accent.

Smart buyers save more

Part of the car insurance buying process is learning some of the factors that go into determining the price you pay for car insurance. When consumers understand what determines premiums, this allows you to make educated decisions that could result in big savings. Lots of factors are considered when pricing auto insurance. Some factors are common sense such as your driving record, but some are not quite as obvious like your vehicle usage or how safe your car is.

• Marriage is a factor – Being married helps lower the price when buying car insurance. Marriage generally demonstrates drivers are more mature and responsible and insurance companies like that married drivers get in fewer accidents.
• Don’t cancel your car insurance without a new one in place – Not maintaining insurance can get you a ticket and as a result your rates will increase for letting your coverage cancel without a new policy in place. In addition to paying higher rates, being ticketed for driving with no insurance will get you a fine, jail time, or a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
• Driver age impacts rates – Older insureds are more responsible, tend to cause fewer accidents .Teen drivers have a tendency to be more careless when driving therefore car insurance rates are much higher.
• Avoid tickets and save – Even a single citation can boost insurance rates by as much as thirty percent. Good drivers tend to pay less for car insurance as compared to those with violations. Drivers who have multiple violations such as reckless driving or DUI may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
• Save money by having multiple policies – Most larger insurers give better rates to policyholders that purchase more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, it’s still a good idea to get quotes from other companies to confirm you are receiving the best rates possible.There is a good possibility that you can save more without the discount by buying from different companies

When do I need an agent’s advice?

When choosing coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

• Does my car insurance cover rental cars?
• Is my state a no-fault state?
• Should I have a commercial auto policy?
• Do I need higher collision deductibles?
• Where can I find high-risk insurance?
• Do I really need UM/UIM coverage?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Beware of misleading insurance ads

Consumers constantly see and hear ads that claim the cheapest car insurance rates from the likes of Allstate, Geico and Progressive. All the companies try to convey promises that drivers can save some big amount if you move your coverage to them.

But how can every company say the same thing? It’s all in the numbers.

All the different companies have specific guidelines for the type of customer that will add to their bottom line. A good example of a profitable customer may need to be a married male, has other policies, and has a short commute. Any new insured who fits those characteristics is entitled to the best price and will also pay quite a bit less when switching companies.

Drivers who do not fit this stringent profile may receive a higher rate which leads to business going elsewhere. The ads say “drivers that switch” but not “all drivers who get quotes” save that much money. This is how insurance companies can make those statements.

This really illustrates why you really should compare as many free insurance quotes as you can. You cannot predict which insurance companies will be your best fit.

Auto insurance coverages

Knowing the specifics of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for doctor visits, nursing services and chiropractic care. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, a broken windshield and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision – This covers damage to your Accent from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, damaging your car on a curb, sustaining damage from a pot hole, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability coverages – Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, medical services, medical expenses, emergency aid and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Smart shoppers get results

Some insurance companies do not provide rates over the internet and many times these small insurance companies prefer to sell through local independent agents. Affordable 2014 Hyundai Accent insurance can be found on the web and from local insurance agents, so you need to compare both to have the best selection.

When getting insurance quotes online, it’s a bad idea to reduce coverage to reduce premium. In too many instances, drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your aim should be to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

We covered quite a bit of information on how to shop for 2014 Hyundai Accent insurance online. The key concept to understand is the more companies you get prices for, the better your comparison will be. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies.

For more information, feel free to visit these articles:

• Vehicle Insurance in the U.S. (Wikipedia)
• What is Covered by GAP Insurance? (Allstate)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)