Cheaper 1999 Hyundai Accent Insurance Quotes

Consumers have lots of choices when looking for the lowest priced Hyundai Accent insurance. You can either waste hours driving around trying to get quotes or save time using the internet to compare rates. There is a better way to shop for car insurance so you’re going to learn the absolute fastest way to quote coverages on a Hyundai and locate the cheapest rates from local insurance agents and online providers.

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you should be able to save some money using these techniques. Consumers just need to know the proper way to compare price quotes on the web.

Insurance quotes comparison

Getting a more affordable price on 1999 Hyundai Accent insurance can be relatively painless. All you need to do is invest a little time to compare free insurance quotes from some recommended companies. It’s really simple and can be done using a couple different methods.

  1. The most recommended method to compare a lot of rates at once is a comparison rater form click to view form in new window. This style of form saves time by eliminating separate forms for each company. In just a few minutes this one form will return quotes from multiple companies. Just one form and you’re done.
  2. A different way to analyze rates is going to the website of each company and go through the quote process again. For instance, we’ll pretend you need rates from Allstate, Progressive and American Family. To find out each rate you need to navigate to each company’s site and enter your information, which can take a lot of time.

    To view a list of companies in your area, click here.

The method you choose is up to you, but try to keep identical deductibles and coverage limits with every price quote. If you enter different deductibles it will be impossible to make a fair comparison for your Hyundai Accent.

Insurance policy discounts you can’t miss

Companies that sell car insurance don’t list every discount very well, so the following list contains a few of the more well known and the harder-to-find credits that you can use to lower your rates.

  • Smart Student Discounts – This discount can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
  • Membership in Organizations – Belonging to certain professional organizations could earn you a nice discount on your policy.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Accent coverage than drivers with accidents.
  • Driver Safety – Passing a class that teaches driver safety techniques may get you a small discount if your company offers it.
  • Multiple Vehicles – Insuring multiple cars or trucks with one company could earn a price break for each car.
  • Discount for Life Insurance – Select insurance companies reward you with a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. Even though it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Companies and their possible discounts are outlined below.

  • GEICO may include discounts for air bags, membership and employees, driver training, seat belt use, and anti-theft.
  • Mercury Insurance has savings for ease of repair, multi-policy, professional/association, accident-free, and type of vehicle.
  • Farmers Insurance has discounts for multi-car, pay in full, electronic funds transfer, switch companies, and bundle discounts.
  • Auto-Owners Insurance offers discounts including anti-lock brakes, paid in full, student away at school, safe driver, mature driver, multi-policy, and multiple vehicles.
  • Liberty Mutual offers premium reductions for newly retired, new graduate, hybrid vehicle, preferred payment discount, good student, and multi-car.
  • SAFECO includes discounts for teen safety rewards, bundle discounts, accident prevention training, anti-lock brakes, and drive less.
  • Progressive offers discounts for online signing, continuous coverage, good student, online quote discount, and homeowner.
  • USAA may offer discounts for military installation, multi-policy, driver training, vehicle storage, family discount, and annual mileage.

If you need affordable insurance quotes, ask each company or agent what discounts are available to you. Some of the earlier mentioned discounts may not apply to policies in every state.

Insurance agents can help

When choosing proper insurance coverage, there is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions could help you determine whether your personal situation might need professional guidance.

  • Will my insurance pay for OEM parts?
  • Who is covered when they drive my 1999 Hyundai Accent?
  • Does insurance cover damages from a DUI accident?
  • Does insurance cover tools stolen from my truck?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my 1999 Hyundai Accent need full coverage?
  • Is my trailer covered?
  • Do I have newly-aquired coverage?
  • Is pleasure use cheaper than using my 1999 Hyundai Accent to commute?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but you know they apply to you 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. It is quick, free and can help protect your family.

Car insurance coverages for a 1999 Hyundai Accent

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring.

Collision coverage

Collision insurance covers damage to your Accent resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, hitting a mailbox, rolling your car, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from getting keyed, rock chips in glass and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability

This coverage can cover damage or injury you incur to a person or their property. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as court costs, medical expenses, funeral expenses, legal defense fees and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses like X-ray expenses, pain medications, chiropractic care, nursing services and rehabilitation expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

A little work can save a LOT of money

When you buy insurance online, you should never sacrifice coverage to reduce premiums. Too many times, an insured cut comprehensive coverage or liability limits only to discover later that it was a big mistake. Your objective should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

We just presented quite a bit of information on how to shop for 1999 Hyundai Accent insurance online. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even discover the lowest premium rates come from a company that doesn’t do a lot of advertising.

Consumers who switch companies do it for a number of reasons such as unfair underwriting practices, not issuing a premium refund, high prices or high rates after DUI convictions. Regardless of your reason for switching companies, finding a new company is less work than it seems.

For more information, feel free to visit the following helpful articles: