2007 Hyundai Accent Car Insurance Rates – 6 Tricks for Cheapest Quotes

Trying to find lower car insurance rates? Buyers have options when searching for the best price on Hyundai Accent insurance. They can either waste time calling around to compare prices or leverage the internet to compare rates.

There is a better way to buy car insurance so we’re going to tell you the proper way to compare rates on a Hyundai and get the best price possible from local insurance agents and online providers.

The quickest way to compare insurance rates from multiple companies utilizes the fact all the major auto insurance companies pay for the opportunity to give rate comparisons. The one thing you need to do is spend a couple of minutes providing details such as your general credit rating, how much you drive, which vehicles you own, and if you lease or own. Your details is then sent to many different companies and you will get price comparisons instantly.

Verify you’re getting all your discounts

Car insurance can cost a lot, buy you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically at the time of quoting, but a few need to be specifically requested before they will apply. If they aren’t giving you every credit possible, you’re just leaving money on the table.

Government Employees – Employees or retirees of the government could cut as much as 10% off on Accent insurance depending on your company.
Drivers Ed for Students – Have your child enroll in driver’s education in school.
Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
College Student – Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
Auto/Home Discount – When you have multiple policies with the same company you will save at least 10% off all policies.
Save over 55 – If you’re over the age of 55, you may receive reduced rates on Accent insurance.

It’s important to understand that most discounts do not apply to the entire cost. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way. But any discount will help reduce the cost of coverage.

Companies that may offer these discounts include:

Check with each insurance company which discounts you may be entitled to. Some discounts may not be available everywhere.

When should I talk to an agent?

When buying adequate coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.

Do I really need UM/UIM coverage?
How much can I save by bundling my policies?
Will my vehicle be repaired with OEM or aftermarket parts?
When do I need to add a new car to my policy?
What are the financial responsibility laws in my state?
What can I do if my company denied a claim?
Are my friends covered when driving my 2007 Hyundai Accent?
Should I put collision coverage on all my vehicles?
Are rental cars covered under my policy?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages explained

Understanding the coverages of a car insurance policy helps when choosing which coverages you need for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverage

This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as pain and suffering, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, damage from a tornado or hurricane, vandalism, damage from flooding and falling objects. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, surgery, X-ray expenses, chiropractic care and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage