1997 Hyundai Accent Car Insurance Rates – 9 Discounts for Cheaper Quotes

There isn’t anyone who looks forward to buying car insurance, especially knowing they could lower their rates if they shopped around.

Due to the abundance of insurance providers from which to choose, it’s nearly impossible to locate the lowest cost insurer.

Finding the best rates is easy if you know what you’re doing. In a nutshell, every vehicle owner who buys car insurance will most likely be able to reduce their rates. Nevertheless, consumers should learn the way companies sell online and take advantage of how the system works.

Buy auto insurance online

Shopping for lower auto insurance rates can be a lot of work if you don’t utilize the fastest way to get free quotes. You could waste a few hours talking to agents in your area, or you could use online quotes to maximize your effort.

Many companies are enrolled in a marketplace that allows shoppers to submit one quote, and each company then returns a price quote determined by their information. This eliminates the need for form submissions to each individual auto insurance company. To submit your quote information now, click to open in new window.

The only downside to doing it this way is you can’t choose which carriers you want to price. If you prefer to choose individual companies to request quotes from, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

The method you choose is up to you, but make absolute certain that you use the same coverages and limits on every price quote you get. If you are comparing different liability limits it will be nearly impossible to find the best deal for your Hyundai Accent. Just slight variations in coverage limits can result in a big premium difference. And when comparing auto insurance rates, know that quoting more helps improve the odds of finding more affordable insurance.

Auto insurance discounts help reduce rates

Car insurance companies don’t list every discount very clearly, so here is a list both well-publicized as well as some of the hidden discounts that may be available.

  • Multi-car Discount – Purchasing coverage when you have all your vehicles on one policy may reduce the rate for each vehicle.
  • Sign Early and Save – Some insurance companies reward drivers for renewing your policy prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Discounts for Government Workers – Being employed by or retired from a federal job can earn a discount up to 10% on Accent insurance with some auto insurance companies.
  • One Accident Forgiven – This isn’t a discount exactly, but a few companies such as Geico and Allstate allow you one accident without getting socked with a rate hike if you have no claims before the accident.
  • Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and qualify for as much as a 10% discount.
  • Pay Early and Save – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
  • Drive Less and Save – Fewer annual miles on your Hyundai could earn better rates on cars that stay parked.
  • Auto/Home Discount – When you combine your home and auto insurance and place coverage with the same company you will save as much as 10 to 15 percent.
  • Homeowners Discount – Owning your own home or condo can save you money because of the fact that having a home is proof of financial responsibility.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, that’s just not realistic.

Some of the larger companies that may include these benefits possibly include:

When comparing rates, check with all the companies which credits you are entitled to. Discounts might not be offered in your state. If you would like to choose from a list of insurance companies with discount rates, follow this link.

Which is the best car insurance?

When buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you would benefit from professional advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I get a multi-policy discount?
  • Should I buy full coverage?
  • Do I need rental car coverage?
  • Where can I get insurance after a DUI in my state?
  • Is my trailer covered?
  • What are the best liability limits?
  • Can I rent a car in Mexico?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Insurance buyers beware

Insurance companies such as Geico, State Farm and Progressive seem to constantly run ads on TV and radio. They all say the same thing that you’ll save big if you just switch to them. How does every company charge you less for car insurance? It’s all in the numbers.

Different companies are able to cherry pick for the type of customer that earns them a profit. An example of this type of insured may be between the ages of 30 and 50, carries full coverage, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest prices as well as save money with a new company.

Potential insureds who don’t meet this ideal profile must pay higher prices which translates to business not being written. If you pay attention, the ads say “people that switch” not “everyone that quotes” save that much when switching. That’s the way insurance companies can advertise the way they do. This really drives home the point why you absolutely need to do a quote comparison often. You cannot predict the company that will have the best prices at this point in time.

Specific coverages for a Hyundai Accent

Having a good grasp of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Liability coverages – This coverage will cover damages or injuries you inflict on people or other property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like loss of income, legal defense fees, repair bills for other people’s vehicles, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like ambulance fees, prosthetic devices and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist 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 Hyundai Accent.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverages – Collision insurance will pay to fix damage to your Accent resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, scraping a guard rail, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, a broken windshield, hitting a deer, rock chips in glass and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Quote more, save more

When you buy auto insurance online, you should never reduce coverage to reduce premium. There have been many situations where an accident victim reduced collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

In this article, we covered some good ideas how to get a better price on 1997 Hyundai Accent insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. You may even discover the best price on insurance coverage is with some of the lesser-known companies. They may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Even more information can be found at these sites: