How Much Does 2018 Hyundai Accent Insurance Cost?

Have you had enough of being strong-armed each month for auto insurance? You are in the same boat as the majority of other consumers. Having so many options when it comes to auto insurance, it can be hard to choose the most cost effective auto insurance company.

Why smart buyers pay less for Hyundai Accent insurance

A large part of saving on insurance is knowing the rating factors that play a part in calculating the price you pay for insurance. If you know what influences your rates, this helps enable you to make changes that could help you find lower insurance prices. Lots of factors are used when quoting car insurance. Some are obvious like your driving record, but some are less obvious such as your marital status or how financially stable you are.

Shown below are some of the major factors that factor into your rates.

  • Does your occupation cost you more? – Occupational choices like fire fighters, business owners and miners generally pay the highest average rates in part from intense work requirements and long work days. Other occupations such as actors, athletes and homemakers generally pay rates lower than average for Accent insurance.
  • Multiple policies with one company – Most companies provide a discount to insureds that purchase more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to get quotes from other companies to help guarantee you have the best rates.
  • Single drivers may get higher rates – Being married may save some money when shopping for insurance. Having a spouse means you’re more responsible and statistics show married drivers tend to have fewer serious accidents.
  • Battle of the sexes – The statistics show that women are safer drivers than men. The data does not necessarily mean that men are worse drivers. Both genders have fender benders at a similar rate, but guys cause more damage and cost insurance companies more money. Men also receive more costly citations like driving under the influence (DUI).
  • Optional features that cut insurance rates – Driving a car with an alarm system can earn a premium discount. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft and help lower rates.
  • Safety ratings are a factor – Safe vehicles cost less to insure. These vehicles result in less severe injuries and lower injury rates means your insurance company pays less which can mean better rates for you. If your Hyundai Accent has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Decrease prices by maintaining coverage – Having a gap between insurance policy dates can be a guaranteed way to increase your rates. And not only will your rates increase, not being able to provide proof of insurance could result in fines or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Reduce your auto insurance rates with discounts

Auto insurance is not inexpensive, but there may be some discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be specially asked for in order for you to get them.

  • Federal Employees – Having worked for a branch of the government could cut as much as 10% off for Accent insurance depending on your company.
  • Telematics Data Discounts – Policyholders that allow driving data collection to analyze where and when they drive remotely such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates as long as the data is positive.
  • Multiple Vehicles – Having multiple cars on one policy can get a discount on all vehicles.
  • Good Driver Discount – Accident-free drivers can save up to 40% or more on their insurance quote for Accent insurance than drivers with accidents.
  • Sign Online – Some larger companies will give you a small discount for buying your policy over the internet.
  • Discount for Life Insurance – Auto insurance companies who offer life insurance give a small discount if you purchase a life insurance policy as well.
  • Discount for Multiple Policies – If you insure your home and vehicles with the same insurance company you will save at least 10 to 15 percent or more.

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will positively reduce the amount you pay for coverage.

To see a list of insurance companies that offer the discounts shown above, click here to view.

You are unique and your insurance coverage should be too

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For instance, these questions could help you determine if your situation might need professional guidance.

  • Should I have a commercial auto policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is roadside assistance coverage?
  • Can my teen drive my company car?
  • Are split liability limits better than a combined single limit?
  • Am I insured when driving a different vehicle?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Car insurance coverages explained

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Hyundai Accent.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability car insurance – Liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as pain and suffering, repair bills for other people’s vehicles, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for surgery, doctor visits, prosthetic devices, EMT expenses and ambulance fees. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, scraping a guard rail, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, hail damage, rock chips in glass, a broken windshield and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Cheaper insurance is a realistic goal

Affordable 2018 Hyundai Accent insurance can be purchased online in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. A few companies may not offer rates over the internet and many times these smaller providers provide coverage only through independent insurance agencies.

We covered a lot of techniques to get a better price on 2018 Hyundai Accent insurance. The key thing to remember is the more providers you compare, the better likelihood of getting affordable insurance. Consumers could even find that the most savings is with an unexpected company. Some small companies may have significantly lower prices on certain market segments than their larger competitors like Progressive or Geico.

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