View 1996 Hyundai Accent Insurance Quotes

Trying to find cheaper auto insurance rates for your Hyundai Accent? I can’t think of anyone who loves paying for auto insurance, in particular when it costs too dang much.

Many insurance companies vie for your hard-earned dollar, so it’s not easy to compare every company and uncover the absolute best price available.

You need to compare rates at least once a year because prices are constantly changing. Just because you had the best rate on Accent coverage on your last policy you can probably find a lower rate today. There is too much inaccurate information about auto insurance online, but in this article, you’re going to get some excellent ideas to buy auto insurance cheaper.

Seven things that impact your insurance premiums

Many factors are used in the calculation when premium rates are determined. Some factors are common sense like your driving record, but some are less obvious like where you live and annual miles driven.

The items below are a partial list of the pieces used by insurance companies to determine rates.

  • lapses raise prices – Letting your insurance expire is a guaranteed way to drive up your policy premiums. Not only will you pay higher rates, failure to provide proof of insurance might get you a license revocation or jail time. You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Don’t skimp on liability insurance – The liability coverage on your policy is the coverage that protects you if ever you are found liable for causing damage or personal injury in an accident. This coverage provides you with a defense in court to attempt to prove you were not liable. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Avoid tickets and save – Being a careful driver impacts premiums far more than you think. Just one speeding ticket can increase rates forty percent or more. Careful drivers pay lower auto insurance prices compared to drivers with tickets. Drivers unfortunate enough to have license-revoking violations like DUI or reckless driving may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive a vehicle.
  • More miles equals more premium – The higher the miles on your Hyundai each year the more you’ll pay to insure your vehicle. Most insurance companies charge rates determined by how the vehicle is used. Vehicles that do not get driven very much can get a lower rate than those used for commuting. Having the wrong rating on your Accent may be costing you. Make sure your vehicle rating correctly shows annual mileage, because it can save money.
  • Insurance companies don’t like frequent claims – If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Auto insurance companies give most affordable rates to insureds who only file infrequent claims. Insurance coverage is intended to be relied upon for larger claims.
  • Poor credit rating equals high premiums – Having a bad credit score is a large factor in determining premium rates. Insureds with high credit scores tend to be better drivers and file fewer claims than drivers with poor credit scores. If your credit rating leaves room for improvement, you may save money insuring your 1996 Hyundai Accent by repairing your credit.
  • Rates for men may be higher – Statistics have proven women are more cautious behind the wheel. The data does not necessarily mean that women are better drivers. Males and females tend to get into at-fault accidents in similar numbers, but the males have accidents that have higher claims. Men also tend to receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Young males are most likely to cause an accident and therefore are the most expensive to insure.

First Step: Get free auto insurance quotes

Most major insurance companies allow consumers to get coverage price quotes on their websites. Getting online rates doesn’t take much effort as you just type in the amount of coverage you want as detailed in the form. When complete, the company’s rating system requests your credit score and driving record and gives you a price quote based on many factors. Online quotes makes it a lot easier to compare rates but the time it takes to visit different websites and type in the same information can get tiresome after awhile. But it’s also necessary to perform this step in order to find the best price possible.

Rate comparisons made easy

The preferred way to get multiple rate quotes is to use a quote form to return rates from several different companies. It’s a real time-saver, requires less work, and makes comparison shopping much more enjoyable and efficient. Once the form is submitted, it is rated and you are able to buy any of the pricing results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process only takes a few minutes and can result in significant savings.

In order to find out if lower rates are available, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend that you enter the limits and deductibles just like they are on your policy. This guarantees you will have rate comparison quotes using the exact same coverages.

Advertising myths

Insurance coverage companies such as State Farm and Allstate continually stream television and radio advertisements. All the companies state the claim that people will save if you get a free auto insurance quote and switch to their company. How does every insurance coverage company lower your premium rates? It’s all in how they say it.

Many companies require specific criteria for the type of driver that earns them the most money. One example of a profitable customer might be between 30 and 50, has never had a policy lapse, and drives less than 5,000 miles a year. Any driver who matches that profile will get the preferred prices and therefore will save a lot of money.

Insureds who don’t qualify for the requirements will see more expensive rates and ends up with the customer not buying. Company advertisements say “drivers who switch” but not “all drivers who get quotes” save that much money. That is how companies can truthfully make claims like that. Each company has different criteria, so you really should get as many free auto insurance quotes as possible. It’s not possible to predict with any certainty which company will have the best prices.

Do you qualify for discounts?

Buying insurance is not cheap, but there could be available discounts that can drop the cost substantially. A few discounts will automatically apply at the time of quoting, but some need to be requested specifically before you get the savings.

  • Savings for New Vehicles – Adding a new car to your policy can save up to 30% because new model year vehicles keep occupants safer.
  • Own a Home and Save – Just being a homeowner can save a few bucks because maintaining a house demonstrates responsibility.
  • Federal Government Employee – Having worked for a branch of the government may reduce rates when you quote auto insurance on Accent coverage with certain companies.
  • One Accident Forgiven – but companies like Progressive and Allstate may permit one accident before they charge you more for coverage with the catch being you have to be claim-free for a specific time period.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Telematics Data – Policyholders that allow driving data submission to spy on where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
  • Cautious Drivers – Insureds without accidents may save up to 50% more on Accent coverage than less cautious drivers.
  • Defensive Driver – Passing a defensive driving course could earn you a small percentage discount and easily recoup the cost of the course.

It’s important to understand that most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.

Companies and a partial list of their discounts are outlined below.

  • Geico discounts include membership and employees, defensive driver, federal employee, air bags, daytime running lights, and multi-policy.
  • Travelers has discounts for continuous insurance, student away at school, IntelliDrive, payment discounts, and new car.
  • Farm Bureau policyholders can earn discounts including safe driver, renewal discount, 55 and retired, multi-policy, youthful driver, good student, and driver training.
  • Liberty Mutual may include discounts for teen driver discount, newly retired, new move discount, multi-car, safety features, new vehicle discount, and exclusive group savings.
  • American Family has savings for Steer into Savings, good driver, TimeAway discount, good student, accident-free, and air bags.
  • Progressive offers discounts including good student, multi-vehicle, multi-policy, homeowner, continuous coverage, and online signing.

When getting a coverage quote, ask every insurance company how many discounts you can get. All car insurance discounts might not be offered on policies in your state. For a list of insurance companies who offer cheap insurance quotes, click here.

Don’t assume everyone needs the same insurance coverage

When it comes to buying the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Should I waive the damage coverage when renting a car?
  • Is my 1996 Hyundai Accent covered for flood damage?
  • Is my trailer covered?
  • Why am I required to buy liability insurance?
  • How can I force my company to pay a claim?
  • What is PIP insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverage details

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on the average auto insurance policy.

Collision insurance

Collision insurance pays for damage to your Accent from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, backing into a parked car, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses such as nursing services, rehabilitation expenses, funeral costs, surgery and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for 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 a tornado or hurricane, damage from getting keyed, hitting a bird, falling objects and theft. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include 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 doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance

Liability coverage protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like loss of income, medical services, legal defense fees and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Knowledge is power

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. Too many times, an insured dropped full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

Affordable 1996 Hyundai Accent insurance is available both online and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance coverage companies may not offer the ability to get quotes online and these small, regional companies only sell through independent agencies.

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