Lower Your 2018 Hyundai Accent Car Insurance Cost

Want lower car insurance rates for your Hyundai Accent? Trying to find low-cost insurance for a Hyundai Accent can normally be a lot of work, but you can use these tips and make it easy.

There is a better way to shop for car insurance and you need to know the proper way to compare rates for a Hyundai and obtain the lowest price from local insurance agents and online providers.

The best way to compare policy rates is to know the trick almost all companies allow for online access to give free rates quotes. To get started, all you need to do is provide a little information such as if you lease or own, what you do for a living, driver ages, and if you require a SR-22. That rating information gets sent immediately to multiple different insurance companies and they return rate quotes very quickly.

Don’t miss these discounts

Insuring your fleet can be pricey, but you might find some hidden discounts that could drop your premiums quite a bit. A few discounts will automatically apply at the time of quoting, but occassionally some discounts must be manually applied before being credited. If you check and find you aren’t receiving every discount you deserve, you are throwing money away.

• Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of 20 to 30 percent.
• Claim-Free Discount – Drivers who stay claim-free pay much less in comparison with drivers who are more careless.
• Telematics Discount – Drivers that enable data collection to look at driving patterns by using a telematics device like Allstate’s Drivewise could possibly reduce rates if they exhibit good driving behavior.
• Drivers Ed for Students – Teen drivers should sucessfully take a drivers education course if offered at their school.
• Accident Waiver – This one isn’t a discount, but companies like State Farm and Allstate will let one accident slide before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
• Include Life Insurance and Save – Not all companies offer life insurance, but some may give you better premium rates if you take out some life insurance in addition to your auto policy.
• Senior Citizen Discount – Seniors may receive better car insurance rates on Accent coverage.
• Pay Early and Save – By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.
• Early Switch Discount – Some companies reward drivers for buying a policy prior to the expiration date on your current policy. This discount can save up to 10%.

We need to note that most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, you aren’t that lucky.

Companies and their offered discounts are included below.

• State Farm offers discounts for multiple autos, Steer Clear safe driver discount, driver’s education, good student, defensive driving training, and accident-free.
• Nationwide discounts include defensive driving, accident-free, multi-policy, good student, easy pay, and anti-theft.
• Geico may offer discounts for anti-theft, daytime running lights, military active duty, emergency military deployment, and federal employee.
• AAA policyholders can earn discounts including multi-car, anti-theft, good driver, good student, and multi-policy.
• 21st Century offers discounts including early bird, theft prevention, anti-lock brakes, defensive driver, driver training, air bags, and automatic seat belts.
• The Hartford offers premium reductions for defensive driver, driver training, bundle, anti-theft, and air bag.

Before you buy a policy, ask every prospective company how you can save money. Some discounts listed above may not apply to policies in your area. To choose car insurance companies who offer free car insurance quotes, click here to view.

Special considerations

When it comes to buying coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether your personal situation may require specific advice.

• Will I lose any money if I cancel my policy before it expires?
• I have health insurance so do I need medical payments coverage?
• Can I make deliveries for my home business?
• Is my vehicle covered by my employer’s policy when using it for work?
• Does insurance cover damages from a DUI accident?
• Where can I get insurance after a DUI in my state?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

How do insurers determine Hyundai Accent insurance prices?

Part of the insurance buying process is learning the rating factors that go into determining your policy premiums. If you have some idea of what determines base rates, this allows you to make good choices that will entitle you to big savings.

• Incidental coverages you don’t use – Insurance policies have a lot of additional coverages you can purchase if you aren’t diligent. Coverage for things like vanishing deductibles, towing, and extra equipment coverage may not be needed and are just wasting money. The coverages may be enticing at first, but if you don’t need them eliminate the coverages to reduce your premium.
• Cheaper premiums with safer cars – Vehicles with high crash test scores tend to have better insurance rates. Vehicles built for safety reduce the chance of injuries and fewer injuries means lower claim amounts which can result in lower premiums.
• Rate your vehicle for proper use – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Many insurance companies charge rates based on their usage. Autos not used for work or commuting can be on a lower rate level than those that get driven frequently. Having an incorrect usage rating on your Accent is just wasting money. Double check that your insurance policy correctly shows the correct usage, because it can save money.
• Continuous insurance coverage lowers premiums – Letting your insurance expire can be a fast way to trigger a rate increase. Not only will you pay higher rates, the inability to provide proof of insurance could earn you a revoked license or a big fine.

Car insurance coverage information

Knowing the specifics of car insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage will pay to fix damage to your Accent from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, a broken windshield, damage from flooding, damage from getting keyed and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like chiropractic care, nursing services, EMT expenses, funeral costs and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability

This protects you from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair bills for other people’s vehicles, loss of income and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Hyundai Accent.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.

Shop Smart and Save

In this article, we presented some good ideas how you can get a better price on 2018 Hyundai Accent insurance. The key thing to remember is the more times you quote, the higher your chance of finding cheap auto insurance. You may even find the best premium rates are with a company that doesn’t do a lot of advertising.

Consumers switch companies for a variety of reasons including questionable increases in premium, an unsatisfactory settlement offer, not issuing a premium refund and poor customer service. Regardless of your reason, switching insurance coverage companies is actually quite simple.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced liability limits or collision coverage only to regret that it was a big error on their part. Your goal is to get the best coverage possible at the best price but still have enough coverage for asset protection.

Additional insurance coverage information is available on the following sites:

• Insuring a Leased Car (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)