2011 Hyundai Accent Insurance Quotes – 7 Tips for Cheaper Rates

Searching for better auto insurance rates for your Hyundai Accent? Shopping for low-cost auto insurance on the internet is somewhat difficult for people who are new to price shopping online. With so many companies competing online, how can drivers have a chance to compare them all to find the best pricing?

You should make it a habit to shop coverage around on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the lowest price for Accent insurance six months ago a different company probably has better rates today. Ignore everything you know about auto insurance because you’re about to learn the easiest way to eliminate unnecessary coverages and save money.

Are you getting all your discounts?

Auto insurance companies don’t necessarily list every available discount very clearly, so here is a list both well-publicized and the harder-to-find discounts you could be receiving.

  • One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10% for Accent insurance.
  • No Claims – Claim-free drivers pay less when compared with frequent claim filers.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
  • New Car Discount – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
  • Driver Safety – Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

Companies that possibly offer some of the above discounts include:

Before buying, ask each company what discounts are available to you. Savings may not apply everywhere.

When might I need an agent?

When choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can aid in determining if you could use an agent’s help.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I drive in a foreign country?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is the minimum liability in my state?
  • Is business property covered if stolen from my car?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Do you really save 40% when you switch?

Insurance companies such as Progressive, Allstate and Geico constantly bombard you with ads on television and other media. They all seem to have a common claim that you’ll save big if you switch to them. How does each company make the same claim? This is how they do it.

All companies are able to cherry pick for the type of customer that makes them money. For example, a driver they prefer could be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A customer who meets those qualifications will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t measure up to the “perfect” profile will be quoted a more expensive rate and this can result in business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save money. That is how companies can state the savings. This emphasizes why you absolutely need to get quotes from several different companies. It’s not possible to predict which company will fit your personal profile best.

Coverage specifics

Understanding the coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses for things like EMT expenses, X-ray expenses, prosthetic devices and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as repair costs for stationary objects, medical expenses and emergency aid. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Collision coverage protection

Collision insurance will pay to fix damage to your Accent resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like sideswiping another vehicle, colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2011 Hyundai Accent.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, fire damage and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

A fool and his money are soon parted

Consumers leave their current company for a number of reasons such as delays in responding to claim requests, questionable increases in premium, denial of a claim and policy cancellation. It doesn’t matter what your reason, switching companies can be easier than you think.

Lower-priced 2011 Hyundai Accent insurance can be found both online and with local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance providers do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where someone dropped physical damage coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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