Lower Your 2013 Hyundai Accent Insurance Quotes

No normal person is fond of buying insurance, especially when they know they could find better rates elsewhere. Multiple insurance companies compete for your business, and because of this it can be hard to compare insurers to discover the definitive cheapest price

It’s important to quote other rates as often as possible because insurance prices trend upward over time. Just because you found the lowest rate for Accent coverage six months ago you can probably find a lower rate today. Forget all the misinformation about insurance because we’re going to demonstrate one of the easiest ways to find the best coverage while lowering your premiums.

If you have a policy now or are just looking to switch companies, you can use this information to shop for the lowest rates while maintaining coverages. Choosing the best insurance company for you is not that difficult. Drivers only need an understanding of the tricks to get comparison quotes online.

Find discounts to get cheap auto insurance rates

Not too many consumers would say auto insurance is affordable, but you may be missing some discounts to help bring down the price. Certain credits will be shown when you purchase, but once in a while a discount must be specially asked for before you will receive the discount.

  • Senior Discount – Drivers that qualify as senior citizens could receive lower premium rates for Accent coverage.
  • Homeowners Savings – Simply owning a home can save a few bucks since owning and maintaining a home requires personal responsibility.
  • Good Grades Discount – Excelling in school can save 20 to 25%. The discount lasts until age 25.
  • Memberships – Joining certain professional organizations may earn a discount on your policy.
  • Savings for New Vehicles – Buying a new car instead of a used car may earn a small discount because newer vehicles have to meet stringent safety requirements.
  • ABS Brakes – Anti-lock brake equipped vehicles have fewer accidents so you can save 10 percent or more.
  • Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • First Accident Forgiveness – This one is not really a discount per se, but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident without raising rates with the catch being you have to be claim-free prior to the accident.
  • Student Discount for Driver Training – Require your teen driver to complete a driver education course in high school.
  • Defensive Driver Discount – Successfully completing a driver safety class could earn you a small percentage discount and also improve your driving technique.

A little note about advertised discounts, most credits do not apply the the whole policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, you won’t be that lucky.

A few of the larger companies and a selection of discounts include:

  • GEICO may include discounts for seat belt use, membership and employees, multi-vehicle, anti-theft, air bags, multi-policy, and anti-lock brakes.
  • MetLife has savings for claim-free, multi-policy, defensive driver, good student, and accident-free.
  • Progressive offers discounts including online quote discount, online signing, homeowner, good student, multi-vehicle, and continuous coverage.
  • Travelers may offer discounts for hybrid/electric vehicle, continuous insurance, save driver, student away at school, multi-policy, IntelliDrive, and multi-car.
  • SAFECO includes discounts for accident prevention training, teen safety rewards, drive less, homeowner, teen safe driver, and multi-car.
  • AAA policyholders can earn discounts including anti-theft, education and occupation, pay-in-full, good student, good driver, and multi-car.

When quoting, ask every company which discounts you may be entitled to. Depending on the company, some discounts may not be available in your area. To choose insurers that offer the discounts shown above, follow this link.

How much is insurance coverage?

There are several ways to shop for insurance coverage, but some are less time-consuming than others. You could spend the better part of a day driving to agents in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Most of the best insurance companies enroll in a system where prospective buyers enter their coverage request one time, and at least one company returns a competitive quote based on that information. This saves time by eliminating quotation requests for each company.

To submit your quote information now, click here (opens in new window).

The only downside to doing it this way is buyers cannot specifically choose which providers you want pricing from. If you prefer to choose specific providers to compare, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

However you get your quotes, ensure you are comparing the same quote information for every company. If you use different coverage information it will be nearly impossible to decipher which rate is best.

Why informed consumers pay less for Hyundai Accent insurance

Many things are used in the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, although others are more transparent like your vehicle usage or your commute time.It’s important that you understand the factors that go into determining your policy premiums. When you understand what impacts premium levels, this allows you to make good choices that can earn you big savings.

The itemized list below are some of the most rate-impacting factors utilized by car insurance companies to help set your premiums.

  • Annual mileage impacts premiums – The more miles you rack up on your Hyundai in a year the more you’ll pay to insure your vehicle. A lot of insurance companies charge rates partially by how you use the vehicle. Vehicles not used for work or commuting receive lower rates than vehicles that are driven to work every day. Double check that your car insurance declarations sheet properly reflects the correct driver usage, because improper ratings can cost you money. An incorrectly rated Accent may be costing you.
  • Pay more of a claim out-of-pocket – Deductibles for physical damage define the amount you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some coverage claims would be rearending another vehicle, animal collisions, and damage caused by road hazards. The more expense you are required to pay out-of-pocket, the less your car insurance will be for Accent coverage.
  • Men pay higher costs – Over time, data shows that men are more aggressive behind the wheel. It does not mean females are better drivers. Both genders cause accidents at about the same rate, but males have costlier accidents. Not only that, but men also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Young males tend to get in the most accidents and therefore are the most expensive to insure.
  • Prices can change based on your address – Being located in a rural area may provide you with better prices when trying to find low car insurance rates. Urban drivers have to deal with more aggressive driving styles and much longer commute distances. Less people means a lower chance of having an accident and lower theft and vandalism rates.
  • Premiums are affected by your credit rating – A driver’s credit rating can be a huge factor in determining your rates. Consumers who have very good credit scores tend to be less risk to insure as compared to drivers with lower ratings. So if your credit rating can use some improvement, you may save money insuring your 2013 Hyundai Accent by taking the time to improve your credit score.
  • When should you file a policy claims? – Insurance companies give most affordable rates to people who are claim-free. If you frequently file small claims, you can expect higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might point out if you may require specific advice.

  • Is pleasure use cheaper than using my 2013 Hyundai Accent to commute?
  • Does insurance cover damages from a DUI accident?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I have combined single limit or split liability limits?
  • If I drive on a suspended license am I covered?
  • Do I need rental car coverage?
  • Is rental equipment covered for theft or damage?
  • How can I force my company to pay a claim?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Why you might not save $490 a year

Consumers can’t get away from all the ads for the lowest price auto insurance from the likes of GEICO, State Farm and Progressive. All the ads have a common claim about saving some big amount just by switching your auto insurance policy to them.

That’s great but how can every company make almost identical claims? Here is the trick they use.

Companies quote their cheapest rates for the type of driver that will be a good risk. For example, a profitable risk profile should be a mature driver, has a low-risk occupation, and drives a car with an anti-theft system. A customer getting a price quote who matches that profile will get the preferred premium rates as well as cut their rates if they switch.

Drivers who don’t measure up to these criteria may be forced to pay higher premium rates and this can result in business going elsewhere. The trick is to say “customers that switch” not “everyone who quotes” will save that much if they switch. That is how companies can make the claims of big savings.

Because of the profiling, you absolutely need to get price quotes at each policy renewal. It’s not possible to predict which insurance companies will have the lowest rates for your situation.

Specifics of your car insurance policy

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most car insurance policies.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, attorney fees, repair bills for other people’s vehicles, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses like funeral costs, hospital visits, X-ray expenses and nursing services. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, hail damage, vandalism, hitting a deer and fire damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This pays for damage to your Accent resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, damaging your car on a curb, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your 2013 Hyundai Accent.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Make a quick buck

When you buy insurance coverage online, it’s not a good idea to skimp on coverage in order to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at a price you can afford while still protecting your assets.

We just showed you some good ideas how you can save on 2013 Hyundai Accent insurance. The most important thing to understand is the more you quote insurance coverage, the better your chances of lowering your prices. You may be surprised to find that the lowest priced insurance coverage comes from some of the smallest insurance companies. Some small companies may only write in your state and offer lower prices as compared to the big name companies such as Allstate or State Farm.

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