Cheap 1999 Hyundai Accent Insurance Quotes

Nobody fancies paying their premiums for car insurance, especially knowing they are paying too much. Many insurers compete for your insurance dollar, and because of this it can be hard to compare insurers and get the best coverage at the best rate

Compare car insurance quotes online

Finding a better price on car insurance isn’t really that difficult. Just spend a few minutes on the computer comparing free auto insurance quotes from some recommended companies. It’s super easy and can be done in a couple of different ways.

The simplest way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This style of form eliminates the need for repetitive form entry for each company you want a rate for. One simple form gets insurance cost estimates from several companies.

A harder way to obtain and compare quotes online consists of going to each individual company website and complete a new quote form. For instance, we’ll assume you need rates from Nationwide, Progressive and Farmers. To do that, you would have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to keep apples-to-apples coverages and limits on every price quote you get. If you are comparing different data you will not be able to determine which company has the best rates.

Discount insurance rates

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at quote time, but some must be asked for before you will receive the discount.

  • Discount for Low Mileage – Driving less could be rewarded with cheaper premium rates.
  • Discount for Life Insurance – Larger insurance companies have a small discount if you purchase some life insurance in addition to your auto policy.
  • Discounts for Government Workers – Employees or retirees of the government may reduce rates when you quote auto insurance for Accent insurance with some insurance companies.
  • Clubs and Organizations – Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums on your policy.
  • Distant College Student Discount – College-age children who attend college more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Multiple Policy Discount – When you combine your auto and home insurance with one company you will save nearly 15% which can help you find affordable auto insurance.
  • Good Grades Discount – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.

You can save money using discounts, but most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. Even though it appears adding up those discounts means a free policy, it’s just not the way it works.

A partial list of companies that may offer policyholders some of the above discounts are:

If you want low cost auto insurance quotes, ask each company or agent what discounts are available to you. All car insurance discounts might not be available to policyholders in your area. If you would like to choose from a list of insurance companies that offer discounts, click here.

Choices you make can impact your insurance prices

A large part of saving on car insurance is knowing some of the factors that come into play when calculating the price you pay for car insurance. When you know what positively or negatively influences your rates, this enables you to make decisions that could result in lower rates.

Listed below are some of the things that factor into your prices.

  • Too many car insurance claims and you’ll pay more – If you’re an insured who likes to file claims you should expect either higher rates or even cancellation. Companies award the lowest premiums to drivers who only file infrequent claims. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Small coverages can add up – There are quite a few optional add-on coverages that may not really be needed if you aren’t careful. Things like roadside assistance, accident forgiveness, and extra equipment coverage could be just wasting money. They may seem like a good idea when deciding what coverages you need, but if you have no use for them consider taking them off your policy.
  • Bad credit hurts insurance rates – Having a good credit history can be a huge factor in determining your rates. Drivers who have excellent credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores. Therefore, if your credit can use some improvement, you could save money insuring your 1999 Hyundai Accent by improving your rating.
  • Certain occupations raise premiums – Did you know your occupation can influence how much you pay for car insurance? Occupations such as doctors, business owners and accountants tend to have higher premium rates in part from intense work requirements and lots of time spent at work. Conversely, jobs such as actors, historians and homemakers receive lower rates for Accent insurance.
  • Bundle policies with the same company – The majority of insurers will award a discount to policyholders that buy multiple policies. It’s known as a multi-policy discount. Even with this discount, consumers should still compare rates to ensure the best deal.There is a chance you can find better rates by buying from different companies
  • lapses raise rates – Not having insurance is illegal and you will pay a penalty because you let your coverage lapse. Not only will rates go up, the inability to provide proof of insurance might get you a revoked license or a big fine. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. For example, these questions can help discover whether your personal situation could use an agent’s help.

  • Do I pay less for low miles?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need an umbrella policy?
  • Should I bundle my homeowners policy with my auto?
  • How high should my medical payments coverage be?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance advertising gotchas

Consumers constantly see and hear ads for auto insurance savings by companies like State Farm, Geico and Progressive. They all seem to seem to make the promise about savings if you get a free auto insurance quote and switch your coverage.

But how can every company charge lower premium rates?

All companies give the cheapest rates for the type of customer that makes them money. For example, this type of driver could possibly be over the age of 50, has a low-risk occupation, and chooses high deductibles. Any customer that fits those parameters will probably get cheap premium rates and as a result will probably cut their rates substantially.

Potential insureds who fall outside those standards may be required to pay more expensive rates and this results in the prospect going elsewhere. The ads state “customers that switch” not “everyone that quotes” can save as much as they claim. That’s the way companies can truthfully make it sound like they have such great prices.

Because each company has a different risk profile, you really should get price quotes at each policy renewal. Because you cannot predict which insurance companies will have the best premium rates at this point in time.

Car insurance coverages for a 1999 Hyundai Accent

Having a good grasp of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most car insurance policies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like funeral costs, dental work, pain medications and surgery. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive car insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, falling objects, fire damage and a broken windshield. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, rolling your car, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Liability auto insurance

This can cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as pain and suffering, loss of income and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Hyundai Accent.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Online plus local equals savings

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where consumers will sacrifice physical damage coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

Cost effective 1999 Hyundai Accent insurance is available from both online companies and from local insurance agents, so get free auto insurance quotes from both of them in order to have the best chance of saving money. Some car insurance companies may not offer online price quotes and most of the time these regional carriers only sell through independent agencies.

We just presented some good ideas how to get a better price on 1999 Hyundai Accent insurance. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the lowest prices are with a company that doesn’t do a lot of advertising. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

More detailed car insurance information is available in these articles: