2017 Hyundai Accent Insurance Cost

No sane person rejoices having to buy car insurance, especially when they are aware that it costs too dang much. There are many insurance companies to choose from, and even though it’s nice to have a selection, more options can take longer to find the best rates.

Educated choices result in lower insurance prices

Multiple criteria are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving history, but others are more transparent like your vehicle usage or your vehicle rating.It’s important that you understand some of the factors that play a part in calculating your premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to lower premium levels.

Listed below are some of the items utilized by car insurance companies to help set your rate level.

  • Low comp and collision deductibles can be expensive – Comprehensive and collision coverage deductibles are the amount of money you are required to pay if a covered claim is submitted. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered are a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more damage repair cost the insured has to pay upfront, the lower your rates will be on Accent coverage.
  • Never allow your insurance coverage to lapse – Driving without insurance coverage in place is illegal and you may have a hard time finding new coverage because you let your coverage lapse. Not only will you pay more, not being able to provide proof of insurance may earn you a fine, jail time, or a revoked license.
  • Credit rating impacts premiums – Having a good credit history can be a huge factor in determining your rates. So if your credit history is low, you could save money insuring your 2017 Hyundai Accent by improving your rating. People that have good credit tend to be less risk to insure as compared to drivers with poor credit.
  • Where you call home is a factor – Being located in less populated areas can save you money when it comes to insurance coverage. Fewer people means a lower chance of having an accident in addition to fewer liability claims. Drivers in populated areas tend to have more road rage incidents and more severe claims. More time on the road translates into higher accident risk.
  • How’s your driving record? – Attentive drivers pay less for auto insurance than bad drivers. Only having one speeding ticket or other violation can increase the cost of insurance by twenty percent. Drivers who have received multiple citations such as reckless driving or DUI may face state-mandated requirements to prove financial responsibility with their state motor vehicle department in order to prevent their license from being revoked.
  • Age of drivers impacts premiums – Young drivers have a tendency to be easily distracted in a vehicle therefore insurance coverage rates are much higher. Having to add a teenage driver to your insurance coverage policy can increase premiums substantially. Older people are more cautious drivers, cause fewer claims and accidents and receive fewer citations.

How to shop auto insurance online

Lowering your 2017 Hyundai Accent auto insurance rates doesn’t have to be difficult. Just invest a few minutes comparing free insurance coverage quotes provided by online insurance companies. It’s really simple and can be done using one of these methods.

  1. Probably the best way to get quotes is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing separate quote forms for every prospective company. A single, simple form gets insurance cost estimates from all major companies.
  2. A harder way to shop for auto insurance online requires a trip to the website for each individual company and go through the quote process again. For examples sake, we’ll assume you want to compare prices for Auto-Owners, Esurance and Liberty Mutual. In order to get each rate, you would have to visit each site and enter your information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The most time-consuming way to find lower rates is going to insurance agencies in your area. Comparing rate quotes online eliminates the middleman unless you have a need for the advice and guidance that can only be provided by a licensed insurance agent. It is possible to price shop online but purchase the actual policy in an agency.

The method you choose is up to you, but be sure to compare equivalent quote data for every company. If each company quotes higher or lower deductibles it’s impossible to determine the lowest rate for your Hyundai Accent.

Save money by receiving discounts

Companies that sell car insurance don’t necessarily list every available discount very well, so the next list breaks down both the well known in addition to some of the lesser obvious discounts that you may qualify for.

  • Senior Citizen Discount – Mature drivers may receive better insurance rates on Accent coverage.
  • Air Bag Discount – Factory options such as air bags or automatic seat belts may get savings up to 30%.
  • Student Discounts – Being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.
  • No Charge for an Accident – Not a discount per se, but companies like Liberty Mutual, Allstate and State Farm allow you one accident without the usual rate increase if you are claim-free for a set time period.
  • No Claims – Insureds who avoid accidents and claims get the best insurance rates in comparison to frequent claim filers.
  • Multi-Vehicle Discounts – Buying coverage for all your vehicles with one company could earn a price break for each car.
  • Low Mileage Discounts – Low mileage vehicles may allow you to get better premium rates on cars that stay parked.
  • Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class as it can save substantially.

Keep in mind that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates you could get a free insurance policy, companies wouldn’t make money that way.

To find companies who offer insurance discounts, click here to view.

Your car insurance coverage should be tailored to you

When choosing adequate coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you would benefit from an agent’s advice.

  • Can my teen drive my company car?
  • Am I covered when driving a rental car?
  • What is high-risk coverage and where do I buy it?
  • Should I bundle my homeowners policy with my auto?
  • What are the best liability limits?
  • How much can I save by bundling my policies?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Auto insurance coverage information

Knowing the specifics of your car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy. These are the normal coverages found on most car insurance policies.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Hyundai Accent.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, vandalism and a tree branch falling on your vehicle. The maximum amount 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.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as EMT expenses, hospital visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like court costs, emergency aid and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – This covers damage to your Accent from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, colliding with a tree, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

The best insurance company isn’t always the cheapest

Cheaper insurance coverage can be sourced from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who don’t offer internet price quotes and usually these smaller providers only sell through independent agencies.

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice full coverage and found out when filing a claim they didn’t have enough coverage. The goal is to get the best coverage possible at the best cost.

Throughout this article, we presented a lot of ways to get a better price on 2017 Hyundai Accent insurance. The key thing to remember is the more you quote insurance coverage, the better your comparison will be. Consumers may even find the lowest rates come from a smaller regional carrier. Regional companies may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.

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