2012 Hyundai Accent Insurance Rates

Finding cheaper insurance for a Hyundai Accent can turn out to be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to find insurance coverage online and we’ll show you the absolute fastest way to quote coverages on a Hyundai and obtain the best price possible from both online companies and local agents.

Insurance Comparisons

Finding cheaper 2012 Hyundai Accent insurance prices is not a difficult process. Just spend a few minutes on the computer comparing rates online from several insurance companies. This can be done using a couple different methods.

Probably the best way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This easy form saves time by eliminating repetitive form submissions for every insurance company. One quote request will get you price quotes from multiple low-cost companies. It’s the fastest way to compare.
Another way to analyze rates is spending the time to visit the website of each company and complete a new quote form. For example, let’s assume you want rates from USAA, Liberty Mutual and Farmers. You would have to take the time to go to each site and enter your information, which is why the first method is quicker.
For a list of links to insurance companies in your area, click here.
The least recommended way of getting rate comparisons is driving around to different agent offices. The ability to buy insurance online makes this process obsolete unless you require the trained guidance of a licensed agent. Drivers can comparison shop your insurance online but still have the advice of a local agent. We’ll cover that shortly.

Whichever way you use, compare apples-to-apples deductibles and coverage limits for each price quote. If you compare different values for each quote then you won’t be able to make a fair comparison for your Hyundai Accent.

Discounts are great for lower rates

Companies offering auto insurance don’t necessarily list every available discount in a way that’s easy to find, so we researched both the well known and the more hidden savings tricks you should be using. If you aren’t receiving every discount available, you are paying more than you should be.

Auto/Home Discount – If you insure your home and vehicles with the same company you may earn approximately 10% to 15%.
Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
No Claims – Drivers who don’t have accidents pay much less when compared to frequent claim filers.
Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can actually save on your bill.
Military Rewards – Having a deployed family member could be rewarded with lower premiums.
Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
Federal Government Employee – Employees or retirees of the government may qualify you for a discount on Accent insurance with select insurance companies.
Drivers Education – Require your teen driver to enroll in driver’s education in school.
Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.

Consumers should know that most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way.

Car insurance companies who might offer these benefits may include but are not limited to:

Double check with all companies you are considering which discounts they offer. All car insurance discounts might not apply everywhere.

You may need specialized coverage

When it comes to buying proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

Should I rate my 2012 Hyundai Accent as pleasure use or commute?
What is an SR-22 filing?
Does my insurance cover damage caused when ticketed for reckless driving?
Do I have coverage if my license is suspended?
Can I afford low physical damage deductibles?
How does medical payments coverage work?
Am I covered if I hit a deer?
Do I need motorclub coverage?
Do I need an umbrella policy?
How do I insure my teen driver?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your insurance policy

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverage

This 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 your collision coverage will kick in.

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

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, falling objects and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as repair bills for other people’s vehicles, legal defense fees, funeral expenses and loss of income. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Uninsured and underinsured coverage

This provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Hyundai Accent.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills like dental work, nursing services and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible