2000 Hyundai Accent Car Insurance Cost – 9 Tips to Save

Want lower insurance coverage rates for your Hyundai Accent? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Insurance companies such as State Farm, Progressive and Geico continually bombard you with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It is always a good idea to shop coverage around at least once a year since insurance rates are usually higher with each renewal. Just because you had the lowest rates on Accent coverage on your last policy there may be better deals available now. So just block out anything you think you know about insurance coverage because it’s time to teach you one of the easiest ways to remove unneeded coverages and save money.

If you have a current insurance coverage policy or need a new policy, you can use this information to get lower rates while maintaining coverages. Finding affordable coverage is quite easy. Drivers just need to understand the most effective way to shop their coverage around on the web.

Auto Insurance Prices Online

Lowering your 2000 Hyundai Accent auto insurance rates doesn’t have to be difficult. All that’s required is to spend a little time comparing rate quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  • The best way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing repetitive form entry to each individual auto insurance company. A single form will return quotes from multiple companies.
  • A less efficient way to compare rate quotes is going to each company’s website to complete a price quote. For sake of this example, we’ll pretend you want to compare rates from Progressive, Safeco and State Farm. To get rate quotes you would need to visit each site to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  • The hardest method to compare rates is to drive around to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the trained guidance only provided by licensed agents. However, consumers can compare online quotes and get advice from an agent in your area and we’ll talk about that later.

Which method you use is up to you, but ensure you’re using exactly the same coverages and limits with every price quote. If your comparisons have mixed coverages you will not be able to make an equal comparison.

Discounts are available to cut your rates

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. Some discounts apply automatically when you purchase, but less common discounts must be asked about prior to getting the savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Student in College – Youth drivers who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Federal Employees – Active or retired federal employment may qualify you for a discount on Accent coverage with a few car insurance companies.
  • Senior Citizens – Mature drivers can possibly qualify for reduced rates on Accent coverage.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Drive Less and Save – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will cut your premiums.

For a list of companies who offer car insurance discounts, click here.

Everyone needs different coverages

When buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that For example, these questions could help you determine if your situation might need professional guidance.

  • Am I covered if I wreck a rental car?
  • Can I rent a car in Mexico?
  • Am I covered if I hit a deer?
  • When should I remove comp and collision on my 2000 Hyundai Accent?
  • What discounts do I qualify for?
  • How much underlying liability do I need for an umbrella policy?
  • Where can I find DUI or SR-22 insurance?
  • Do I need more liability coverage?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Insurance coverages 101

Learning about specific coverages of your insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Coverage for collisions

This coverage covers damage to your Accent resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, hitting a bird and a broken windshield. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like rehabilitation expenses, prosthetic devices and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2000 Hyundai Accent.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Liability coverage

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

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair costs for stationary objects, legal defense fees, bail bonds and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Save for a rainy day

We just showed you a lot of information how to save on 2000 Hyundai Accent insurance. The key thing to remember is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance coverage comes from a small mutual company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.

When you buy insurance online, never buy less coverage just to save a little money. There have been many cases where an insured cut liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

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