Cheap 2002 Hyundai Accent Insurance Rates

Trying to find cheap auto insurance can seem to be frustrating for drivers who are new to online price comparisons. Drivers have so many options that it can quickly become a lot of work to compare prices.

The quickest method to compare insurance rates from multiple companies utilizes the fact most larger insurance companies provide online access to quote your coverage. To begin a comparison, all you need to do is give them some information like the ages of drivers, whether the vehicles are used for commuting, your education level, and if you have an active license. Your insurance information is automatically sent to insurance companies and you receive quotes instantly to find the best rate.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.

For instance, these questions might help in determining whether you might need an agent’s assistance.

  • Does my policy pay for OEM or aftermarket parts?
  • What vehicles should carry emergency assistance coverage?
  • Can my babysitter drive my car?
  • Do I need more liability coverage?
  • Are my friends covered when driving my 2002 Hyundai Accent?
  • Are all vehicle passengers covered by medical payments coverage?
  • Are split liability limits better than a combined single limit?
  • Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverage considerations

Understanding the coverages of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like chiropractic care, dental work and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage – Collision insurance covers damage to your Accent resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, sustaining damage from a pot hole, crashing into a ditch, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, falling objects, a tree branch falling on your vehicle and rock chips in glass. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – This protects you and your vehicle 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. This is the reason having UM/UIM coverage is a good idea.

Liability insurance – This coverage can cover damage that occurs to other’s property or people. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims such as medical services, medical expenses, loss of income, emergency aid and pain and suffering. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.