2015 Hyundai Accent Insurance Quotes – 7 Ways to Save

Trying to find cheaper car insurance rates for your Hyundai Accent? Nobody cherishes buying car insurance, in particular when the cost is way too high. Lots of insurers contend for your hard-earned dollar, so it can be very hard to choose a insurance company to discover the definitive lowest rate

Consumers should take time to compare rates at least once a year because prices change quite often. If you had the best price on Accent coverage on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you’re about to learn the easiest way to reduce your cost while improving coverage.

Comprehensive Auto Insurance Comparison

Performing a rate comparison can take hours if you aren’t aware of the most efficient way. You could spend the better part of a day talking to insurance companies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

The majority of car insurance companies take part in a program that allows shoppers to complete one form, and at least one company returns a competitive quote based on the submitted data. This system prevents you from having to do quote forms for each company. To participate in this free quote system, click to open in new window.

The only downside to pricing coverage this way is that you can’t choose which insurance companies to get quotes from. If you prefer to choose specific providers to compare, we have assembled a list of companies who write auto insurance in your area. Click to view list.

However you get your quotes, make darn sure you compare the exact same deductibles and coverage limits with each company. If you enter higher or lower deductibles it will be next to impossible to make a fair comparison for your Hyundai Accent.

Best discounts on 2015 Hyundai Accent coverage

Insurance can be prohibitively expensive, but you can get discounts that many people don’t even know exist. Some discounts apply automatically at the time of quoting, but less common discounts must be asked about before you get the savings. If you don’t get every credit you deserve, you are throwing money away.

• Multiple Policy Discount – When you have multiple policies with the same company you may earn 10% to 20% off each policy.
• Drivers Ed for Students – Require your teen driver to take driver’s ed class if it’s offered in school.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
• Homeowners Savings – Simply owning a home can help you save on car insurance because of the fact that having a home shows financial diligence.
• Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less on Accent coverage than drivers with accidents.
• Driver Safety – Taking a defensive driving course could cut 5% off your bill depending on where you live.
• E-sign – A few companies will discount your bill up to fifty bucks just for signing your application on their website.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like you could get a free car insurance policy, car insurance companies aren’t that generous. But all discounts will bring down the amount you have to pay.

To see a list of providers offering car insurance discounts, click this link.

Tailor your coverage to you

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

• Why do I need rental car insurance?
• Am I covered when pulling a rental trailer?
• Do I pay less for low miles?
• What is the difference between comprehensive and collision coverage?
• How much underlying liability do I need for an umbrella policy?
• Do I have coverage if my license is suspended?
• Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance policy coverages for a 2015 Hyundai Accent

Understanding the coverages of car insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on most car insurance policies.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like hospital visits, surgery, X-ray expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage – This coverage covers damage to your Accent resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability insurance – Liability coverage can cover injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical expenses, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Hyundai Accent.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, a broken windshield, hitting a bird, hitting a deer and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.