How to Lower Your Hyundai Accent Car Insurance Rates

Buyers have lots of choices when searching for the best price on Hyundai Accent insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to get rate quotes. There is a right way and a wrong way to buy car insurance so we’re going to tell you the best way to quote coverages for a Hyundai and locate the lowest price.

Vehicle Insurance Comparison

The are a couple different ways of comparing rates from different insurance companies. The simplest method to compare insurance prices is to get quotes online. This is very easy and can be done in several different ways.

One of the best ways to get quotes for comparison is to use a rate comparison form click to view form in new window. This method prevents you from having to do separate quotes for each company. Taking the time to complete one form gets you coverage quotes from multiple low-cost companies. This is by far the quickest method.

A harder way to get quotes online is to take the time to go to each company website and fill out their own quote form. For example, let’s assume you want to compare Progressive, 21st Century and GEICO. You would have to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

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

It’s up to you how you get prices quotes, just compare exactly the same coverages and limits on every quote. If you have different deductibles it will be impossible to determine the lowest rate for your Hyundai Accent. Quoting even small variations in coverages can mean a large discrepancy in price. It’s important to know that quoting more gives you a better chance of getting a better price.

Companies offer discounts so take them!

Companies that sell car insurance don’t list all their discounts in an easy-to-find place, so we break down both the well known and also the lesser-known savings tricks you should be using.

• Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
• Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Accent coverage than less cautious drivers.
• Resident Student – Children living away from home attending college and do not have a car may qualify for this discount.
• Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Discount for Life Insurance – Larger companies have better rates if you take out auto and life insurance together.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
• Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.
• Drive Less and Save – Keeping the miles down on your Hyundai could be rewarded with a substantially lower rate.
• One Accident Forgiven – A few companies will forgive one accident before your rates go up if your claims history is clear for a set time period.
• Paperless Signup – Some insurance companies will discount your bill up to fifty bucks simply for signing online.

Drivers should understand that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, you’re out of luck.

Elements that influence Hyundai Accent rates

Consumers need to have an understanding of the different types of things that come into play when calculating car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with big savings.

The list below includes a partial list of the pieces that factor into rates.

• Keep rates low by being claim-free – If you file claims often, you can look forward to either higher rates or even cancellation. Insurance companies give cheaper rates to people who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of larger claims.
• Your spouse saves you money – Having a wife or husband helps lower the price on car insurance. It means you’re more mature than a single person and statistics show married drivers get in fewer accidents.
• Are you male or female? – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. They both cause accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like reckless driving and DUI.
• How’s your driving record? – Careful drivers tend to pay less for car insurance than their less careful counterparts. Even a single speeding ticket can boost insurance rates by as much as thirty percent. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
• Choose a safe vehicle and save – Vehicles with good safety scores can get you lower premiums. Safer cars protect occupants better and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Hyundai Accent has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Optional equipment can affect rates – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
• Occupation reflects on rates – Did you know that where you work can have an impact on rates? Careers like doctors, social workers and stock brokers tend to have the highest rates due to high stress levels and lengthy work days. On the other hand, jobs such as pilots, students and homemakers receive lower rates for Accent coverage.
• Teen drivers pay high rates – Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Young drivers have a tendency to be careless and easily distracted when behind the wheel and because of this, their car insurance rates are much higher.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether you would benefit from professional advice.

• Is my teen driver covered when they drive my company car?
• What if I don’t agree with a claim settlement offer?
• Does my policy cover me when driving someone else’s vehicle?
• Is my Hyundai Accent covered for smoke damage?
• Does having multiple vehicles earn me a discount?
• Does my insurance cover a custom paint job?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

In Summary

When trying to cut insurance costs, you should never buy less coverage just to save a little money. In many instances, someone sacrificed liability coverage limits and discovered at claim time they didn’t purchase enough coverage. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Insureds who switch companies do it for many reasons like unfair underwriting practices, high prices, an unsatisfactory settlement offer or even policy non-renewal. No matter why you want to switch, finding a great new company is easier than you think.

Discount Hyundai Accent insurance can be found both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not provide online quoting and these small, regional companies work with independent agents.