Three Steps to Paying Less for Hyundai Accent Insurance
If we enjoyed shopping for car insurance, we'd do it more often. Unfortunately, it's not always as easy as it sounds to get the best rate. You might feel the same pain when having to pay the bill on your Hyundai Accent.
Step One: Get Insurance Quotes
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. Now that we have the internet, shopping for car insurance online is a snap!
All the major car insurance companies sell insurance for a Hyundai Accent and you can compare their rates by entering your information only one time.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Accent is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: Tricks to Saving Money on Accent Insurance
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Accent insurance rates.
- You can check your credit score for free once a year, and it's a good idea to address any problems you find. Better credit results in better insurance rates.
- Consider raising your comprehensive and collision deductibles if you carry full coverage. By accepting more risk yourself, your car insurance company will cut you a break on your physical damage premiums.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- Most Hyundai vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- Thieves tend to steal certain makes and models of vehicles more than others, and if your car is on that list, expect to pay higher insurance rates because of it.
- If you're a young driver, you will pay more to insure a Accent. There isn't anything you can do about your age, but rates will drop as you mature.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
Step Three: Choose the Right Company for You
It's time to make a purchase decision based on your rate comparisions and and any policy coverage changes you wish to make. Once you are comfortable with the cost and coverages, you can finalize your purchase by paying your premium down payment.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
Coverage will extend from your current policy if you're buying a Hyundai Accent, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new Accent.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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