Lower Your 2014 Hyundai Accent Car Insurance Rates

Looking for better auto insurance rates for your Hyundai Accent? Finding better insurance prices for your Hyundai Accent can turn out to be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to shop for auto insurance and we’ll show you the proper way to get price quotes for a Hyundai and find the cheapest rates either online or from local insurance agents.

Pay less for 2014 Hyundai Accent insurance

Insurance can be prohibitively expensive, but there are discounts available to reduce the price significantly. A few discounts will automatically apply at quote time, but less common discounts must be asked for in order for you to get them. If you aren’t receiving every discount available, you are throwing money away.

  • Distant Student – Children who live away from home and do not have a car can receive lower rates.
  • Homeowners Discount – Owning a house can save you money because owning a home shows financial diligence.
  • Student Driver Training – Require your teen driver to take driver’s ed class in school.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Senior Discount – Mature drivers may receive better insurance coverage rates on Accent coverage.
  • Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, companies wouldn’t make money that way. But all discounts will help reduce your overall premium however.

Car insurance companies that may have these discounts are:

Before buying, ask every prospective company which discounts they offer. Some discounts may not be available in your state.

Compare the Market for Insurance

Comparing insurance rates can be a lot of work if you aren’t aware of the most efficient way to do it. You could waste time talking to local insurance agents in your area, or you can utilize online quoting to get prices fast.

The majority of car insurance companies take part in a program where insurance shoppers only type in their quote data once, and each participating company provides a quote based on that information. This system prevents you from having to do quote forms to each company. To find out how much you’re overpaying now click here to start a free quote.

The single downside to comparing rates this way is you cannot specify which insurance companies to receive prices from. So if you want to select from a list of companies to request quotes from, we put together a list of insurance companies in your area. Click here to view list.

However you get your quotes, ensure you’re using identical coverage limits with every price quote. If you have different liability limits it will be next to impossible to decipher which rate is best.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

For example, these questions may help highlight whether you would benefit from professional advice.

  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when using my vehicle for business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I buy full coverage?
  • Should I get collision insurance on every vehicle?
  • What is covered by UM/UIM coverage?
  • Does having multiple vehicles earn me a discount?
  • Am I covered by my spouse’s policy after a separation?
  • Who is covered by my policy?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages and their meanings

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for surgery, doctor visits, chiropractic care and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, a tree branch falling on your vehicle, falling objects, damage from flooding and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability

Liability insurance protects you from damage or injury you incur to people or other property. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair bills for other people’s vehicles, structural damage, court costs, attorney fees and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Auto collision coverage

This will pay to fix damage to your Accent resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, backing into a parked car, damaging your car on a curb, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

A little work can save a LOT of money

You just read a lot of information how to lower your 2014 Hyundai Accent insurance rates. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

People switch companies for many reasons like an unsatisfactory settlement offer, unfair underwriting practices, policy cancellation and even denial of a claim. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

Much more information about car insurance can be read below: