Cheap 1998 Hyundai Accent Car Insurance Quotes

Looking for lower auto insurance rates for your Hyundai Accent? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive auto insurance.

Insurance companies such as Geico, 21st Century and Progressive persitently shower you with TV and radio ads and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

Consumers should take time to shop coverage around before your policy renews due to the fact that insurance rates change frequently. Despite the fact that you may have had the best deal on Accent coverage two years ago there is a good chance you can find better rates now. Starting now, block out anything you think you know about auto insurance because we’re going to show you the best way to save on auto insurance.

If you have car insurance now, you should be able to cut costs considerably using these methods. Finding affordable coverage is quite easy. Nevertheless, vehicle owners must know the way companies price online insurance and use this information to your advantage.

Policy discounts you shouldn’t miss

Insurance can cost an arm and a leg, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be specially asked for before you get the savings.

  • Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.
  • Government Employees – Employees or retirees of the government can save as much as 8% on Accent coverage with select insurance companies.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • New Car Discount – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • No Charge for an Accident – A few companies permit an accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Paperwork-free – Some insurance companies will give a small break for buying your policy over the internet.
  • College Student – Any of your kids who live away from home and don’t have a car can be insured at a reduced rate.
  • No Accidents – Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.

Keep in mind that some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you could get a free car insurance policy, companies don’t profit that way. But all discounts will reduce your premiums.

To see a list of insurance companies who offer car insurance discounts, click here to view.

The fastest way that we advise to compare car insurance company rates is to take advantage of the fact most of the larger companies participate in a system to give rate comparisons. All consumers are required to do is provide a small amount of information like if the vehicle is leased, how much you drive, your general credit rating, and marital status. That information is submitted instantly to many different companies and they return rate quotes almost instantly.

To start a quote now, click here and complete the quick form.

Hyundai Accent rates influenced by many factors

Consumers need to have an understanding of the factors that help determine the rates you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Your car’s features help determine rates – Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Where do you drive? – The higher the mileage driven every year the more you will pay for auto insurance. The majority of insurers charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. If your policy improperly rates your Accent may be costing you. Make sure your auto insurance declarations sheet is showing the correct usage for each vehicle.
  • What are your deductibles? – Physical damage coverage, also known as collision and other-than-collision, protects your Hyundai from damage. A few examples of covered claims could be a windshield shattered by a rock, vandalism, and burglary. The deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. The more money you have to pay, the lower your rates will be on Accent coverage.
  • Allowing your policy to lapse raises rates – Driving without insurance is illegal and as a result your rates will increase for letting your insurance expire. Not only will you pay more, getting caught without coverage can result in a revoked license or a big fine.You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

Insurance agents can help

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • How much underlying liability do I need for an umbrella policy?
  • Should I buy additional glass protection?
  • Am I covered when using my vehicle for business?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can I afford low physical damage deductibles?
  • Am I covered when driving on a suspended license?
  • If my 1998 Hyundai Accent is totaled, can I afford another vehicle?
  • Are rock chip repairs covered?
  • Am I covered when driving someone else’s vehicle?
  • Will filing a claim cost me more?

If it’s difficult to answer those questions, you might consider 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.

Ads can be misleading

Insurance companies such as 21st Century, Allstate and State Farm regularly use ads on TV and radio. They all seem to say the same thing that you can save if you move your policy. How do they all make the same claim? It’s all in the numbers.

Different companies are able to cherry pick for the driver they prefer to insure. For example, a profitable customer might be profiled as between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who fits that profile will get the preferred rates and therefore will save a lot of money.

Drivers who do not match the requirements will have to pay higher rates and this can result in the customer not buying. Company advertisements say “customers who switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully advertise the savings.

Because of the profiling, drivers must compare as many rates as you can. Because you never know which insurance company will have the lowest Hyundai Accent insurance rates.

Car insurance policy coverages for a 1998 Hyundai Accent

Having a good grasp of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most car insurance policies.

Liability coverage

This coverage provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of 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 values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like loss of income, bail bonds and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage 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 a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for X-ray expenses, nursing services, EMT expenses, prosthetic devices and surgery. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage

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

Comprehensive insurance covers things like fire damage, rock chips in glass and hail damage. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

This will pay to fix damage to your Accent caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Be a smart shopper

When trying to cut insurance costs, never buy less coverage just to save a little money. There have been many cases where someone sacrificed uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at the best price while not skimping on critical coverages.

Budget-conscious 1998 Hyundai Accent insurance can be found from both online companies as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

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