1999 Hyundai Accent Insurance Quotes – 6 Tips for Cheaper Rates

Searching for cheaper insurance for a Hyundai Accent can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to make it easier.

There are more efficient ways to buy auto insurance so we’re going to tell you the quickest way to quote coverages for your Hyundai and get the best price possible from both online companies and local agents.

You should take the time to do rate comparisons yearly since insurance rates are usually higher with each renewal. Even if you got the best price on Accent insurance two years ago a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about auto insurance because we’re going to show you how to use the internet to reduce your cost while increasing coverage.

Shopping for cheaper insurance coverage is not that difficult. If you have a current insurance coverage policy or are just looking to switch companies, you can use these tips to get lower rates and possibly find even better coverage. Consumers only need to know the proper way to shop online.

Which Insurance Coverage is Cheapest?

Performing a rate comparison can be a lot of work if you don’t utilize the best way to get rate quotes. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you could use online quotes to get the quickest rates.

Most of the best insurance companies belong to an insurance system where insurance shoppers submit their information once, and at least one company provides a quote determined by their information. This eliminates the need for repetitive form submissions to every company.

To use this form to compare 1999 Hyundai Accent insurance rates click here to start a free quote.

The only downside to getting quotes like this is that you can’t choose which carriers to get quotes from. If you prefer to choose specific providers to request quotes from, we have assembled a list of insurance coverage companies in your area. Click to view list.

Whichever way you use, ensure you’re using exactly the same coverages and limits on every quote. If you enter mixed coverages it will be impossible to determine which rate is truly the best.

The car insurance bait and switch

Drivers can’t ignore all the ads that promise big savings from companies such as Progressive, Allstate and Geico. All the ads make the same claim that you’ll save big if you move your policy.

How does each company say the same thing?

All companies can use profiling for the driver that is profitable for them. For instance, a desirable insured might be profiled as between 25 and 40, has no driving citations, and drives newer vehicles. A customer getting a price quote who fits that profile gets the lowest rates and therefore will pay quite a bit less when switching companies.

Consumers who are not a match for these standards must pay higher rates and ends up with business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that kind of money. That is how companies can state the savings.

This illustrates why drivers should compare as many rates as you can. Because you never know the company that will provide you with the cheapest Hyundai Accent insurance rates.

How to save on 1999 Hyundai Accent insurance

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. A few discounts will automatically apply when you purchase, but a few need to be specifically requested before being credited. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Student in College – Youth drivers who are attending college and don’t have a car may qualify for this discount.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiration. It can save you around 10%.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Hyundai can earn better rates on cars that stay parked.
  • Senior Citizens – If you’re over the age of 55, you may receive better auto insurance rates on Accent insurance.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.

A little note about advertised discounts, some credits don’t apply the the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will help reduce your premiums.

Companies that possibly offer these discounts include:

Double check with all companies you are considering which discounts you may be entitled to. Discounts might not be offered in your state.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different.

For example, these questions might point out if your situation might need professional guidance.

  • What is covered by UM/UIM coverage?
  • What discounts do I qualify for?
  • When can my company non-renew my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is medical payments coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

What auto insurance coverages do you need?

Learning about specific coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical expenses, emergency aid, court costs and attorney fees. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like vandalism, a broken windshield, hail damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

This coverage pays for damage to your Accent caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like rehabilitation expenses, doctor visits, prosthetic devices and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

The best insurance company isn’t always the cheapest

We’ve covered quite a bit of information on how to save on 1999 Hyundai Accent insurance. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from the least-expected company.

Cheaper insurance is possible online in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, you should never reduce coverage to reduce premium. In too many instances, an insured cut liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Other information