2004 Hyundai Accent Car Insurance Rates – 5 Ideas for Best Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 19, 2021

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Comparing insurance coverage rates online can be a challenge if you are a beginner to online price comparisons. Don’t let that stop you because finding affordable coverage online is easier than you think.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. This information will let you in on how to effectively get price quotes and some tricks to saving. But vehicle owners need to learn the methods companies use to price insurance differently and take advantage of how the system works.

Save money by taking advantage of these five discounts

The cost of insuring your cars can be expensive, but you may find discounts to cut the cost considerably. A few discounts will automatically apply when you complete an application, but a few need to be inquired about before you will receive the discount.

  • Defensive Driving Course – Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school.
  • Accident Forgiveness – Certain companies permit an accident without raising rates as long as you don’t have any claims prior to the accident.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will cut your overall premium however.

A partial list of companies that may offer these money-saving discounts include:

  • GEICO
  • Auto-Owners Insurance
  • American Family
  • Esurance
  • Progressive
  • State Farm
  • AAA

Double check with every prospective company how you can save money. Savings might not be offered in your state.

When should I use an insurance agent?

When choosing the best insurance coverage coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions can aid in determining if your situation will benefit from professional help.

  • Is my dog or cat covered if injured in an accident?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need higher collision deductibles?
  • Does my insurance cover a custom paint job?
  • Am I insured when driving a different vehicle?
  • Am I getting all the discounts available?
  • What is medical payments coverage?
  • Do I have coverage when making deliveries for my home business?
  • Am I better off with higher deductibles on my 2004 Hyundai Accent?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

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Insurance policy coverages for a 2004 Hyundai Accent

Understanding the coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, falling objects, vandalism, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

Collision insurance pays for damage to your Accent resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, colliding with another moving vehicle, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as ambulance fees, prosthetic devices, nursing services and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability

This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, loss of income and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

More effort can pay off

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There have been many cases where an accident victim reduced physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Throughout this article, we presented some good ideas how you can lower your 2004 Hyundai Accent insurance rates. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

Cheap insurance can be bought both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

More tips and info about insurance coverage can be found by following these links:

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