2013 Hyundai Accent Car Insurance Cost – 5 Savings Tips

Want better car insurance rates for your Hyundai Accent? Trying to find better insurance prices for your Hyundai Accent could be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are both good and bad ways to find car insurance online and you need to know the best way to get price quotes for your Hyundai and find the lowest price either online or from local insurance agents.

Smart consumers take time to take a look at other company’s rates occasionally because insurance rates tend to go up over time. Just because you found the best rates for Accent coverage a few years ago a different company probably has better rates today. You can find a lot of misleading information regarding car insurance online, so by reading this article, you’re going to learn some solid techniques on how to save money.

If you have a policy now or need new coverage, you can use these techniques to get lower rates while maintaining coverages. Locating the best coverage is not that difficult. Drivers just need to learn the most effective way to shop their coverage around online.

Take advantage of discounts

Companies don’t always advertise every discount in an easy-to-find place, so we break down both the well known and the harder-to-find insurance savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Homeowners Pay Less – Owning a home may trigger a insurance policy discount because maintaining a house demonstrates responsibility.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current policy expires. It can save you around 10%.
  • Low Mileage Discounts – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Driver Safety – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.

It’s important to note that most discounts do not apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies that possibly offer some of the above discounts include:

Check with every prospective company which discounts they offer. Some discounts might not be offered everywhere.

How to know if you need help

When buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your situation may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is covered by UM/UIM coverage?
  • Do I need motorclub coverage?
  • Am I missing any policy discounts?
  • Am I covered if my car is in a flood?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Advertising myths

Drivers get pounded daily by advertisements for car insurance savings by companies like Allstate, Geico and Progressive. All the ads have a common claim about savings if you switch to them.

How can each company say the same thing?

All the different companies have a certain “appetite” for the driver they prefer to insure. An example of a profitable customer could possibly be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. A customer who meets those qualifications receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who don’t measure up to these standards will be charged a higher premium which leads to the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully make the claims of big savings. That is why you need to compare as many rates as you can. It is impossible to predict the company that will have the lowest Hyundai Accent insurance rates.

Auto insurance policy specifics

Learning about specific coverages of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Liability

Liability coverage protects you from damage that occurs to other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like legal defense fees, medical expenses, loss of income and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy higher limits if possible.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, sustaining damage from a pot hole, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, vandalism, damage from getting keyed and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills for things like nursing services, funeral costs, doctor visits and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

What is YOUR best insurance company?

Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, policy non-renewal, high rates after DUI convictions or even being labeled a high risk driver. Regardless of your reason for switching companies, switching companies is easier than you think.

When buying insurance coverage, do not reduce needed coverages to save money. There have been many cases where an insured dropped comprehensive coverage or liability limits only to regret that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

Budget-conscious 2013 Hyundai Accent insurance can be found on the web and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not provide online quoting and most of the time these small insurance companies sell through independent agents.

Even more information can be read in the articles below: