Searching for cheaper insurance for a Hyundai Accent can be difficult, but you can learn the following methods to save time. There are more efficient ways to compare car insurance rates so we’re going to tell you the absolute fastest way to quote coverages on a Hyundai and get the lowest price from both online companies and local agents.
Car Insurance Comparison Rates
To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The easiest way to compare insurance prices is to use the internet to compare rates. This can be accomplished using a couple different methods.
- One of the best ways to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This form keeps you from doing repetitive form submissions for every car insurance company. In just a few minutes this one form compares rates from multiple companies. It’s definitely the quickest method.
- A harder way to get comparison quotes requires you to visit the website for every company you want to comare and complete a new quote form. For example, we’ll assume you want rates from GEICO, State Farm and Travelers. You would have to go to every website to input your insurance information, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.
- The most time-consuming method of getting rate comparisons is driving around to local insurance agencies. The internet eliminates the need for an insurance agent unless you have a need for the personal advice that only a license agent can provide. You can, however, get prices online and still use a local agent and we’ll cover that in a bit.
It’s up to you how you get prices quotes, just ensure you’re using identical coverage information for each comparison quote. If you have different limits and deductibles on each one you can’t possibly truly determine the lowest rate. Quoting even small variations in coverage limits can result in a big premium difference. And when quoting car insurance, remember that quoting more provides better odds of finding a better price.
These 5 discounts can lower your rates
Auto insurance companies don’t always list all available discounts very well, so we took the time to find both the well known as well as the least known ways to save on car insurance.
- Seat Belts Save – Requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
- No Claims – Drivers who don’t have accidents can earn big discounts when compared with frequent claim filers.
- Homeowners Savings – Owning a house can help you save on car insurance because owning a home shows financial diligence.
- Multi-car Discount – Insuring more than one vehicle with the same company could earn a price break for each car.
- Passive Restraints – Factory air bags can receive discounts up to 30%.
A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.
To see a list of insurance companies with the best car insurance discounts, click here to view.
Car Insurance through a local agent
Some people just want to buy from a licensed agent and that is just fine! The biggest benefit of price shopping on the web is you may find the best rates but also keep your business local.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is immediately sent to participating agents who will give you bids for your insurance coverage. You never need to even leave your home due to the fact that quote results will go immediately to your email address. You’ll get the best rates and an insurance agent to talk to.
Picking an provider needs to be determined by more than just the bottom line cost. Any agent should be forthright in answering these questions:
- Can glass repairs be made at your home?
- If you are a high risk driver, do they have special markets for your coverage?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is vehicle damage repaired with OEM or aftermarket parts?
Choose an insurance agent wisely
When finding local agents, you must know there are a couple different types of agents to choose from. Agents are categorized either captive or independent (non-captive).
Captive Insurance Agents
Captive agencies can only write with one company and some examples include State Farm, AAA and Liberty Mutual. They are unable to place coverage with different providers so always compare other rates. These agents are well schooled in insurance sales which helps them compete with independent agents. Consumers often purchase coverage from captives partially due to the brand legacy and the convenience of having a single billing for all their coverages.
Independent Agents (or Brokers)
Independent agencies are not locked into one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part.
When comparison shopping, we recommend you include price quotes from at a minimum one independent agency to have the most options to choose from. Many write coverage with smaller companies which may provide better rates.
For a full directory of insurance agents, visit this page.
Once you have answers to your satisfaction to any questions you have in addition to an acceptable price estimate, you have narrowed it down to an auto insurance agent that can provide car insurance coverage. Just keep in mind you can always cancel your coverage at any point so don’t feel that you are obligated to the car insurance policy with no way out.
When should I use an insurance agent?
When choosing coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.
Here are some questions about coverages that may help you determine whether you may require specific advice.
- Should I sign the liability waiver when renting a car?
- When would I need rental car insurance?
- When do I need to add a new car to my policy?
- Do I have any recourse if my insurance company denies a claim?
- Should I drop comprehensive coverage on older vehicles?
- Am I covered by my spouse’s policy after a separation?
- Are all vehicle passengers covered by medical payments coverage?
- Can my teen driver be rated on a liability-only vehicle?
- Where can I get insurance after a DUI in my state?
- Do I need roadside assistance coverage?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Car insurance policy specifics
Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.
Coverage for collisions
Collision coverage will pay to fix damage to your Accent resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.
UM/UIM Coverage
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Hyundai Accent.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.
Comprehensive or Other Than Collision
This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, damage from flooding and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Medical costs insurance
Med pay and PIP coverage kick in for short-term medical expenses such as rehabilitation expenses, hospital visits, EMT expenses, prosthetic devices and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Liability car insurance
Liability coverage can cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability insurance covers things such as medical services, repair costs for stationary objects, medical expenses and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
And the best car insurance company is…
Insureds who switch companies do it for any number of reasons including denial of a claim, policy non-renewal, lack of trust in their agent and questionable increases in premium. No matter why you want to switch, switching companies is not as hard as you think.
As you prepare to switch companies, never buy less coverage just to save a little money. In many cases, someone dropped liability limits or collision coverage and learned later they didn’t have enough coverage. The aim is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
Discount Hyundai Accent insurance is definitely available online as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.
