Cheap 2013 Hyundai Accent Insurance Quotes
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UPDATED: Feb 12, 2020
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Want lower insurance rates? Drivers have a choice when trying to find low-cost Hyundai Accent insurance. They can either spend hours struggling with agents getting price quotes or use the internet to compare rates. There are both good and bad ways to compare insurance rates and you need to know the best way to compare rates on a Hyundai and find the lowest price either online or from local insurance agents.
How to Compare Insurance Costs
Getting a lower price on 2013 Hyundai Accent insurance isn’t really that difficult. You just need to take the time to get quotes from different insurance companies. This can be done in several different ways.
Probably the best way to get quotes for comparison is a comparison rater form click to view form in new window. This form prevents you from having to do separate quote forms for each company you want a rate for. One form will return quotes from multiple companies. It’s the fastest way to compare.
A slightly less efficient method to shop for insurance online consists of going to the website for each individual company to request a price quote. For sake of this example, we’ll pretend you want to compare GEICO, Liberty Mutual and GMAC. To find out each rate you need to go to every website and enter your information, and that’s why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
The hardest method to compare rates is to spend time driving to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you require the professional guidance of a local agent. However, consumers can get prices online and get advice from an agent in your area.
It’s up to you how you get prices quotes, just ensure you are comparing exactly the same deductibles and coverage limits for every quote you compare. If you compare different deductibles it will be next to impossible to determine which rate is truly the best.
Are you falling for claims of savings?
Consumers constantly see and hear ads for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. They all make the same claim that you can save if you change your policy.
How does each company claim to save you money? It’s all in the numbers.
Insurance companies can use profiling for the type of customer that is profitable for them. For example, a profitable customer might be over the age of 40, insures multiple vehicles, and drives newer vehicles. A driver who meets those qualifications will get very good rates and most likely will pay quite a bit less when switching companies.
Potential customers who don’t meet these standards must pay a more expensive rate and ends up with business not being written. The ads say “customers that switch” not “everyone that quotes” save that much. This is how insurance companies can advertise the savings. This illustrates why you should get as many comparisons as possible. It’s not possible to predict which insurance companies will give you the biggest savings on Hyundai Accent insurance.
These factors can influence what you pay for Hyundai Accent insurance
Consumers need to have an understanding of the different types of things that go into determining insurance rates. Knowing what influences your rates enables informed choices that could result in big savings.
Listed below are some of the items insurance companies consider when setting premiums.
- Multiple policies with one company can save – Some insurance companies will award you with lower prices to people who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to ensure the best deal. Drivers may still find better rates by buying insurance from more than one company.
- Save money with special equipment – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
- Lower miles equals lower premium – The more miles you rack up on your Hyundai in a year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles determined by how the vehicle is used. Cars that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your insurance policy properly reflects how each vehicle is driven. Incorrect usage on your Accent can cost quite a bit.
- Having a spouse can save you money – Having a spouse helps lower the price on your insurance policy. Marriage usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.
- Low deductibles can be expensive – Your deductibles represent how much money you are willing to pay out-of-pocket before your insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered are colliding with a building, damage from fire, and rolling your vehicle. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Accent insurance.
- Bad driving skills means higher rates – Your driving citation history impacts your car insurance rates tremendously. Just one ticket can bump up the cost forty percent or more. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to file a SR-22 with their state DMV in order to keep their license.
- Do you have a high stress job? – Did you know your insurance rates can be affected by your occupation? Occupations like lawyers, executives and financial analysts have higher average rates due to high stress levels and lots of time spent at work. Conversely, occupations such as actors, engineers and homemakers get better rates on Accent insurance.
Do you qualify for discounts?
Companies that sell car insurance don’t always advertise every available discount in an easy-to-find place, so we break down both well-publicized and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.
- Low Mileage – Low mileage vehicles can earn better rates on cars that stay parked.
- 55 and Retired – Mature drivers may qualify for reduced rates on Accent insurance.
- Military Rewards – Being on active duty in the military can result in better rates.
- Use Seat Belts – Requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
- Homeowners Pay Less – Owning a house may trigger a car insurance policy discount because owning a home requires personal responsibility.
- Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Accent insurance with certain companies.
- Defensive Driver – Completing a defensive driving course could save 5% or more if you qualify.
- Good Student – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
- Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
As a disclaimer on discounts, most discount credits are not given the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.
For a list of insurers who offer car insurance discounts, click this link.
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Don’t assume everyone needs the same coverage
When it comes to choosing coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different.
For example, these questions might point out whether you might need professional guidance.
- Does my policy pay for OEM or aftermarket parts?
- What is UM/UIM insurance?
- Is a new car covered when I drive it off the dealer lot?
- Why am I be forced to buy a membership to get insurance from some companies?
- How does medical payments coverage work?
- Do I need PIP (personal injury protection) coverage in my state?
- Am I covered if I break a side mirror?
- Does my 2013 Hyundai Accent need full coverage?
If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.
Auto insurance 101
Knowing the specifics of a car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.
Liability coverage protects against claims such as emergency aid, repair costs for stationary objects, attorney fees, loss of income and bail bonds. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.
Collision coverage protection
Collision coverage pays for damage to your Accent caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like hitting a mailbox, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Coverage for medical expenses
Coverage for medical payments and/or PIP pay for bills for things like rehabilitation expenses, prosthetic devices, dental work and pain medications. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Coverage for uninsured or underinsured drivers
This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2013 Hyundai Accent.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Comprehensive car insurance
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from getting keyed and a broken windshield. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Shop. Compare. Save.
While you’re price shopping online, don’t be tempted to reduce needed coverages to save money. In too many instances, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at an affordable rate.
In this article, we covered quite a bit of information on how to reduce 2013 Hyundai Accent insurance prices online. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the lowest rates come from the least-expected company.
Consumers who switch companies do it for a variety of reasons including policy cancellation, high prices, an unsatisfactory settlement offer and even poor customer service. Whatever your reason, choosing a new company is not as hard as you think.
More information is available on the following sites:
- What is Full Coverage? (Allstate)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Vehicle Insurance in the U.S. (Wikipedia)
- Rental Car Insurance Tips (Insurance Information Insitute)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
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