Save on 1997 Hyundai Accent Insurance Rates

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Because there are so many choices, it can be hard to locate the most cost effective insurance company.

Comprehensive Auto Insurance Comparison

Most companies like State Farm, Geico and Progressive provide coverage price quotes on the web. Getting online rates doesn’t take a lot of time as you simply type in the coverages you want into a form. Once you submit the form, their rating system orders reports for credit and driving violations and returns pricing information. Quoting online makes comparing rates easy, but the time it takes to visit a lot of sites and complete many quote forms gets old quite quickly. But it is imperative to get many rate quotes in order to get the lowest auto insurance rates.

The preferred way to find lower prices is to use a quote form to get prices from many companies. It saves time, eliminates repetitive work, and makes online price comparison much more enjoyable. Immediately after you send the form, it gets priced and you can choose any of the resulting price quotes. If you find a better price you can simply submit the application and buy the policy. The whole process takes just a few minutes to complete and may result in a nice savings.

To quickly compare rates using this form now, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you complete the form with deductibles and limits identical to your current policy. This way, you will receive comparison quotes based on identical coverages.

Cut your premium with discounts

Companies that sell car insurance do not list all their discounts very clearly, so we researched some of the more common and also the lesser-known ways to save on insurance. If you’re not getting every credit possible, you’re paying more than you need to.

  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • Paperwork-free – A few companies may give you up to $50 for buying your policy online.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.

It’s important to note that many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. Even though it may seem like it’s possible to get free car insurance, insurance companies aren’t that generous.

Insurance companies that may have these money-saving discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts might not apply in every state.

Complexity of Hyundai Accent insurance rates

It’s important that you understand some of the elements that help determine the rates you pay for insurance coverage. Having a good understanding of what determines base rates allows you to make educated decisions that could result in better insurance coverage rates.

The following are some of the items companies use to determine premiums.

  • High numbers of claims are not good – Auto insurance companies provide cheaper rates to drivers who are claim-free. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Car insurance is designed for larger claims.
  • Your age impacts your rates – Youthful drivers tend to be careless and easily distracted in a vehicle so insurance coverage rates are higher. Mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores are cheaper to insure. These vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Hyundai earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • More people means more accidents – Residing in a small town can be a good thing when insuring your vehicles. Less people living in that area means reduced accidents and also fewer theft and vandalism claims. City drivers regularly have much more traffic to deal with and a longer drive to work. Higher commute times translates into higher accident risk.
  • Do you work long hours in a high stress job? – Occupations such as real estate brokers, social workers and accountants tend to pay higher rates than average in part from job stress and long work hours. On the flip side, professions such as pilots, athletes and the unemployed have the lowest average rates on Accent insurance.
  • Always keep insurance in force – Driving with no insurance is against the law and you will pay a penalty because you let your coverage lapse. Not only will you pay more, but not being able to provide proof of insurance can result in a revoked license or a big fine.

What is the best insurance coverage?

When choosing the best car insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

  • What can I do if my company denied a claim?
  • Is my camper covered by my car insurance policy?
  • Why does it cost so much to insure a teen driver?
  • How high should my medical payments coverage be?
  • Do I have coverage for damage caused while driving under the influence?
  • What companies insure drivers after a DUI or DWI?
  • Who is covered when they drive my 1997 Hyundai Accent?
  • Can I get a multi-policy discount?
  • Do I need special endorsements for business use of my vehicle?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Don’t believe everything you hear

Consumers can’t get away from ads for car insurance savings by companies like State Farm, Geico and Progressive. All the companies make the same claim about savings if you change to them.

How does each company make almost identical claims? It’s all in the numbers.

All the different companies are able to cherry pick for the driver that earns them a profit. A good example of a driver they prefer could possibly be over the age of 50, has no prior claims, and has a short commute. Any driver that hits that “sweet spot” is entitled to the best price and therefore will save quite a bit of money when switching.

Drivers who don’t qualify for the requirements must pay higher rates which usually ends up with the customer not buying. Company advertisements say “customers that switch” not “people who quote” save money. That’s the way insurance companies can confidently state the savings. This illustrates why you absolutely need to compare many company’s rates. It’s not possible to predict which company will give you the biggest savings on Hyundai Accent insurance.

Auto insurance 101

Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability car insurance

This can cover injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as legal defense fees, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for doctor visits, funeral costs, prosthetic devices and ambulance fees. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Auto collision coverage

Collision coverage covers damage to your Accent resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, colliding with a tree, crashing into a building, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, hitting a deer and hail damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

In conclusion

We just covered some good ideas how you can reduce 1997 Hyundai Accent insurance prices online. It’s most important to understand that the more you quote, the higher the chance of saving money. You may be surprised to find that the most savings is with the least-expected company. These companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at the best price while still protecting your assets.

Budget-conscious insurance can be sourced both online in addition to many insurance agents, so compare prices from both to have the best selection. Some insurance providers do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

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