Save on 1996 Hyundai Accent Insurance Cost

Finding the best price on insurance can be difficult if you’ve never compared quoting online. But relax because comparing prices is actually very simple.

Buying the lowest cost coverage is quite easy. Just about every driver who shops for car insurance will be able to save money. Although car owners can benefit by having an understanding of the way companies price online insurance and use this information to your advantage.

Comprehensive Car Insurance Comparison

To find the best car insurance prices, there are several ways to get quotes from different insurance companies. One of the best ways to find competitive 1996 Hyundai Accent insurance rates is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

  1. The single most time-saving way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This form eliminates the need for separate forms for each company you want a rate for. One simple form will return quotes from all major companies. Recommended for those who want to invest the least amount of time.
  2. A harder way to compare prices requires a trip to the website for every company you want to comare and fill out their own quote form. For examples sake, we’ll pretend you want rates from Progressive, Farmers and State Farm. To get rate quotes you would need to visit each site to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but be sure to compare identical information for every quote you compare. If each company quotes different limits and deductibles on each one then you won’t be able to make an equal comparison. Quoting even small variations in coverage limits can make a big difference in price. Just remember that having more price comparisons gives you a better chance of getting the best rates.

How much can you save with discounts?

The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you quote, but some may not be applied and must be asked about in order for you to get them.

  • Multiple Cars – Having all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • Distant Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Good Student Discount – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

Consumers should know that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will help reduce your overall premium however.

A partial list of companies that possibly offer these benefits are:

Check with every prospective company which discounts they offer. All car insurance discounts may not be available in your area.

How much car insurance do I need?

When it comes to choosing the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions can help discover if you might need an agent’s assistance.

  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered if I drive in a foreign country?
  • Does coverage extend to my business vehicle?
  • Should I get collision insurance on every vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Is motorclub coverage worth it?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my cargo covered for damage or theft?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.

Elements that influence Hyundai Accent insurance rates

Consumers need to have an understanding of the different types of things that help determine the rates you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • Your age impacts your rates – Youthful drivers have a tendency to get distracted easily behind the wheel so they pay higher auto insurance rates. If you’ve ever had to add a youthful driver onto a policy can really hurt. Older drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Lower rates with optional equipment – Owning a car with an alarm system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
  • Don’t skimp on liability – Liability insurance is the coverage that protects you when you are found to be at fault for damages caused by your negligence. Liability insurance provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Increase deductibles and save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Hyundai from damage. Some instances where coverage would apply could be a windshield shattered by a rock, damage caused by hail, and burglary. The deductibles are the amount of money you are willing to pay before your auto insurance pays a claim. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be for Accent coverage.
  • Multi-policy discounts can save money – Many insurance companies will award you with lower prices to customers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even if you’re getting this discount it’s in your best interest to shop around to make sure you are getting the best deal.

Coverages available on your policy

Learning about specific coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision coverages – Collision coverage will pay to fix damage to your Accent caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Hyundai Accent.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like EMT expenses, pain medications, prosthetic devices and funeral costs. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – This coverage can cover damages or injuries you inflict on a person or their property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as legal defense fees, medical services, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, rock chips in glass and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Knowledge is power

As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. There have been many situations where someone dropped liability coverage limits to discover at claim time that it was a big error on their part. Your aim should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

People who switch companies do it for a number of reasons such as poor customer service, denial of a claim, high rates after DUI convictions and policy non-renewal. It doesn’t matter what your reason, finding a new company can be easier than you think.

We’ve covered quite a bit of information on how to lower your 1996 Hyundai Accent insurance rates. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers may even find the best prices are with some of the smallest insurance companies.

More tips and info about auto insurance is available by following these links: